anaheim-gazette 1911-08-10
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BEAT IT OUT OF TOWN AND SOME TO SPARE
HENRY FURNELLE FINDS ONE HOUR ENOUGH TO FADE AWAY
Raised a Riot at Mrs. Walter's ranch on Sunday While Intoxicated and Ugly—Threatened to Kill a Jap, and Frightened the Neighborhood—Officers Arrive and He Quiets — Gets Six Months' Floater — Mr. Gates' Case
Selzing his blankets with a firm neckhold, Henry Furnelle hit the trail for parts unknown on Monday morning after a brief interview with Judge Howard at the city hall. Furnelle drew a six-months' floater, and in reply to a question whether one hour was enough to permit him to fade away replied it was quite sufficient for the purpose intended. Starting in an attempt to lower a world's record, his footsteps sounded in a spirited sprint down the stairs, making three steps at a time. When court adjourned, Furnelle was on his way out Center street, beating it to the hills.
Furnelle caused a small-sized riotty made merry with the Elks in Los Angeles, and this week Mr. Hast is being given a run for his money.
When Gen. Royer and his party of prospectors pulled in to Mazatlan from La Paz, the Mexican boat Tamplico was preparing to shell insurgents outside the town. As they entered the harbor the San Juan was steaming out on her way hence from Panama. The experiences of the party were told in the columns of this paper on their return. Mr. Hast was one of the entertainers, and it is believed that it was only his objection that prevented the party from going out and suppressing the insurrection then and there.
"We had lots of fun while Gen. Royer and his party were with us," said Mr. Hast, as he was corralled by a representative of this paper, "and when matters got dull Royer chartered a street car, filled it with all his friends and drove about the town seeing the sights.
"The bombardment was not so bad," he continued, "but it made things interesting while it lasted. I went to a place of safety one night near the shore, when the insurgents were said to be about to enter the city, and was in my room, when, bing, a bullet pierced the walls, directly over my head. I got out of factory store with big sugar plumbing of raw material of men. The facade at its full or rusted first few days tons of beets per whereas its actual 200 tons greater, ment deemed it a temper and tightened system of turning it on fully from fifteen to...
Judge Howard at the city hall. Furnelle drew a six-months' floater, and in reply to a question whether one hour was enough to permit him to fade away replied it was quite sufficient for the purpose intended. Starting in an attempt to lower a world's record, his footsteps sounded in a spirited sprint down the stairs, making three steps at a time. When court adjourned, Furnelle was on his way out Center street, beating it to the hills.
Furnelle caused a small-sized riot at Mrs. Walter's ranch on the east side on Sunday morning at 9 o'clock. He had been employed at the ranch eight months. He continued his rioting until 2 o'clock, when Officers Kellenberger, Chambers and Germain, were taken out in W. J. Elliott's auto, placed him under arrest, and lodged him in jail.
Furnelle was intoxicated and in ugly mood. He came into town intending to take a train for the beach but when he arrived at the station found the cars had gone. He returned to the ranch, going to his room in the tankhouse, where the rioting soon began.
Mrs. Walters was alone in her residence with her little daughter and servant girl, when she heard screams in the tankhouse. As she looked up to see what the matter was, a chair came flying through the door. Furnelle, crazed with drink, and yelling like a demon, was throwing things around and cursing. As a side issue he threatened to kill a Jap employed on the ranch.
Mrs. Walters locked the house and ran to a neighbor's. Later Furnelle quieted down, and Mrs. Walters, who soon returned to her home, offered him his dinner, thinking this might allay the man's anger. He refused to eat. He had declined to eat his breakfast. He continued his rioting, going over to Mr. Elliott's home. The latter gentleman cautioned him to be quiet, but this only seemed to enrage the infuriated man and he clenched his fist and shook it at Elliott. The latter telephoned Marshal Kellenberger and drove into town in his auto, taking Kellenberger Chambers and Germain along, as Furnelle was considered a bad man. On sight of the officers Furnelle regained his senses. He was placed under arrest and locked up.
In court on Monday he entered a plea of guilty, and was permitted to float out on the tide of the seamy side.
L. H. Gates blew in from the Standard oil pipeline on Saturday and proceeded to paint things a rich when matters got dull Royer chartered a street car, filled it with all his friends and drove about the town seeing the sights.
"The bombardment was not so bad," he continued, "but it made things interesting while it lasted. I went to a place of safety one night near the shore, when the insurgents were said to be about to enter the city, and was in my room, when, bing, a bullet pierced the walls, directly over my head. I got out of that pretty quick."
Mr. Hast went at 1 o'clock in the morning to see a fight between the federals and insurrectos on the outskirts of the city. The federal force resolved itself into half a dozen policemen, all of whom were killed. Mr. Hast and his associates had to run to escape the oncoming insurrectos, who numbered 100. They killed many during their raid, but Hast escaped by crawling through a knothole in a fence.
He says now that the insurrection is over, peace and quiet prevail throughout the land, and Mexico is again looking forward to prosperous times.
CARNIVAL POSTPONED
Will Occur Last Week In September, 1911.
Concluding that time was too short in which to prepare for a street fair and carnival on the 15th, committees of the uniform rank K.P. have decided to postpone festivities until the last week in September.
The local lodge of Pythians will offer $300 in prizes to be contested for by visiting companies of the uniform rank. This sum will be distributed in pursues to the company showing superiority in drill, the company parading largest membership, and the company coming the longest distance.
Companies of the third regiment are expected to be present, and there promises to be keen rivalry for prizes.
An event which promises unusual interest is a voting contest for the most popular lady, and various lodges will probably have candidates.The Pythian lodge will enter Miss Alma Yoern, and the Odd Fellows Miss Susanne Beebe.
An exhibition of novelties will be made on the Deutsch tract, which will include high-class attractions.
Committees are actively at work upon the carnival and a number of interesting features will be arranged for each day of the celebration.
RUDDOCK WINS CASE
shal Kellenberger and drove into town in his auto, taking Kellenberger Chambers and Germain along, as Furnelle was considered a bad man. On sight of the officers Furnelle regained his senses. He was placed under arrest and locked up.
In court on Monday he entered a plea of guilty, and was permitted to float out on the tide of the seamy side.
L. H. Gates blew in from the Standard oil pipeline on Saturday and proceeded to paint things a rich red tint, the aurora borealis enveloping several blocks in the center of town. He was run in, but showed fight. He struck at Officer Germain, who secured a firm hold upon him and gently but firmly placed him behind the bars. In court on Monday Gates was permitted to plead guilty to plain drunk. He was fined $10. He had $7.40, good money in his pocket. This was confiscated by the city. As he had spent two days in jail, he was permitted to return to the pipeline.
HERE FROM MAZATLAN
Charles Hast Tells of Experiences During Insurrection
Charles Hast has been in the city from Mazatlan the past week, and has been given a good time by Gen. Royer and Mr. Melrose, who met on their recent trip to La Paz and adjacent country.
"Nothing is too good for Mr. Hast", said the general in his Los Angeles office, as he dropped all work and devoted his attention to showing the visitor all the sights to be seen here about. On Thursday an auto party consisting of Gen. Royer, Mr. Melrose, Mr. Hast and Max Royer took in the beach resorts from Bay City, to Naples, and on Friday Balboa was invaded.
On Saturday and Sunday the par-
most popular lady, and various lodges will probably have candidates.The Pythian lodge will enter Miss Alma Yoern, and the Odd Fellows Miss Susanne Beebe.
An exhibition of novelties will be made on the Deutsch tract, which will include high-class attractions.
Committees are actively at work upon the carnival and a number of interesting features will be arranged for each day of the celebration.
RUDDOCK WINS CASE
Seized Farming Implements Under Attachment, Upheld by Court
Justice Cox of the Santa Ana township court has handed down a decision in a civil suit in which J. Rollin French is plaintiff and Sheriff Ruddock is defendant. The decision favors Ruddock.
The action grew out of an attachment and sale under execution last April. The sale was made under an order from a Los Angeles court in which Steve Manessero got judgment against W. F. Hewitt and F. E.Kemp for $585.15. Ruddock attached a mower, buck-rake and other farming implements, and sold them.
Kemp transferred his claim to French, and suit was brought by Attorneys McKelvey & Sorensen of Los Angeles. F. C. Spencer appeared for the sheriff, Spencer in reality being employed by the parties for whom the sheriff made the sale. The plaintiff asserted that the sheriff had attached farming implements belonging to a farmer, Kemp, and that those implements were exempt.
On trial Ruddock showed that Kemp had done no farming for a year, and his implements were not only in storage but were for sale, and some of them had been sold by Kemp. Justice Cox concluded that Ruddock was right, and the case so decided.
FIRED IN SELF
Shooting at Olinda Mexican Getty
Saying that he has can full of birdshot appeared at the county Ana Monday after anyone wanted to do officers had received against Keeley, and heard his story they likely that anyone warrant for him.
Keeley was at the son Anderson near Oleningen when at midnight awakened by the creature and two children...
ANAHEIM, CALIFORNIA, THURSDAY, AUGUST 10, 1911
FACTORY STARTED WITHOUT A FLAW
BIG SUGAR PLANT RUNNING SMOOTHLY AND ON FULL TIME
Ample Supply of Beets Are Being Received Daily—First Beets Came in From Northern Territory — One Hundred and Twenty-Five Men Employed Within the Building—Pulp Dryer Turning Out Excellent Quality of Feed
The busiest bee hive in Anaheim is the big plant of the Anaheim Sugar Company which began operations last Wednesday with an ample supply of raw material and a full force of men. The factory was not run at its full or rush capacity during the first few days, only about 450 tons of beets per day being sliced, whereas its actual capacity is 150 or 200 tons greater, but the management deemed it advisable to test, temper and tighten the vast and complicated system of machinery before turning it on full blast and straining it to its full capacity.
From fifteen to twenty carloads of to the house and said that a Mexican known as Joe, husband of one of the women, was trying to kill them. Joe had previously threatened to kill Keeley when Keeley made him stop beating a Mexican woman.
Anderson had but one load for his pump-gun, the only weapon in the house. When Joe approached, they drove him away. Joe returned with a Winchester. Anderson and Keeley, standing in the shadow of the porch saw Joe throw a cartridge into his rifle. Joe put the gun to his shoulder and advanced to the house.
"Shoot, or he will get one of us," said Anderson.
Keeley shot, and Joe's yell told of the effect. Joe fired back, and a bullet crashed into the porch not four inches from Keeley's leg.
Joe then left, and came to this city, where he sought out a physician. There were twenty-five birdshot in the man's left hand and arm and a number of shot in his left side and leg.
Officers believe Keeley fired in necessary self-defense.
TOLD DAD TO GET BUSY
Warren Bradford Telephones From San Marcos About Broken Auto Axle
IMPORTANT DEEDS WERE NOT OF RECORD
TITLE SEARCH REVEALS PECULIAR CONDITION OF AFFAIRS
Parcels of Realty Purchased With Stockholders Money Were Not Recorded, Deeds Being Merely Filed in Company's Office—New Management Rectifies Error—Bonds Ready for Transfer—Robber Came Back Second Time—Library Thief Comes to Town
A search of records this week for property belonging to the Orange county investment company, preliminary to turning it over to the Town Builders company of Los Angeles, revealed the fact that several valuable pieces of property owned by the company had not been filed of record. As these transfers occurred a year or more ago, it would seem that the way of doing business by managers of that organization was peculiar. These deeds were this week placed on record.
A. S. Bradford, president of the investment company, this week sign-
From fifteen to twenty carloads of beets are being received at the mill daily, and there is no question of an ample supply being always on hand until the crop is disposed of, which will be about the middle of November. The first beets received are coming from Downey, Norwalk, Studebaker, Westminster, La Mirada and the Cudahy ranch. The sugar content is running extremely high, even for Orange county which ranks up among the foremost sugar producing territories of the United States.
The factory is starting out under remarkably favorable circumstances, said Manager Hadsell Monday. There have been no breakages or stoppages and every branch and section is working with the precision of a clock. More than 125 men are now employed within the big buildings which, with the outside force engaged in handling the beets before reaching the plant makes a pretty respectable regiment of men.
The pulp dryer which takes charge of the sliced beets after the saccharine matter has been extracted is turning out a remarkably fine quality of feed, which is being sacked and sold on the market after the manner of grain or other feed. This pulp was one of the pegs on which opponents to the factory hung an objection because of its obnoxious smell. Besides a faint odor of dry vegetable matter, which is not unpleasant, it does not make its presence known. The pulp is being sacked for shipment as the bulk of it will be sold on the market, but considerable of it is being purchased by local people direct from the plant.
To follow the beet during its transmogrification from a vegetable to sugar is an interesting journey but not a very long one as just two hours elapses from the time the beet comes down the entrance shute into the "agitator" or washer until it trickles into the bag in the warehouse four hundred feet away as pure, snowy, but extremely hot, granulated sugar. Midway between the slicer and the warehouse are the cooking vats where the juice is extracted
Warren Bradford Telephones From San Marcos About Broken Auto Axle
Percy and Warren Bradford, sons of A. S. Bradford of Placentia, and Charley Carlson left at 3 o'clock on Saturday morning for San Diego in Mr. Bradford's auto. They made an early start, expecting to get over the interior valley before the weather got warm. At 10 o'clock Mr. Bradford was called from the field by a long-distance message. It was from Warren, who told the old man the party had met with a mishap at San Marcos, six miles from Escondido.
"We have broken a rear axle," said Warren.
"You are in a deuce of a fix," replied the old man.
"I know it," replied the youngster; "but get busy—get busy."
Bradford told the kid to stay at the telephone office until he called up again. He got busy. He telephoned Los Angeles for a new axle.
"Get out your auto and take it to the San Diego train, which leaves ten minutes. Send it by express to the kid at San Marcos."
Los Angeles replied it should be done.
Bradford called up Warren again.
"A new axle is on the way to you," he said. "If it does not arrive, telephone me and I will be down in about four hours with the big machine."
Bradford waited for a reply until nightfall, but no word came from the kid. The axle arrived on time, and the boys continued on their way to San Diego. They returned Tuesday evening.
"I have run that auto 47,000 miles," said he in town on Monday, as he was signing up warrants at the water office," and here the kids have a breakdown the first time they are out. What do you know about that? 'Get busy.' Wouldn't that jar you? I'll see Warren when he gets back."
Secretary Armstrong said the old man would probably have an interview with Warren in the woodshed.
HUNTING WITHOUT LICENSE
Otto Knoeck Pays Fine of $10 for county investment company, preliminary to turning it over to the Town Builders company of Los Angeles, revealed the fact that several valuable pieces of property owned by the company had not been filed of record. As these transfers occurred a year or more ago, it would seem that the way of doing business by managers of that organization was peculiar. These deeds were this week placed on record.
A. S. Bradford, president of the investment company, this week signed papers transferring its holdings to the Townbuilders, and bonds of the latter will be issued in payment therefor. These bonds are ready for delivery, and will be turned over to stockholders individually within a few days.
It is the company's intention to immediately begin work in Orange county. It is said the investment company could have erected thirty houses during the year in which it has been in bad, following exposures of peculiarity on the part of the deposed president. As the company expected a profit of $400 upon each of the buildings, here is a profit of $12,-000 which stockholders lose. However the company did not make $400 upon each house erected, but this was because of a peculiar twist given to lumber prices by the manager of the company, who also controlled a lumber yard.
That the new company has a splendid field for activity here, is undeniable.
ROBBER CAME BACK
Civil War Veteran Refused to Open Door
Jacob Kroeger was awakened at 11 o'clock on Saturday night by a knock at his front door. A man called to him:
"Your horse is loose."
"I guess not," he replied, "I have no horse."
The man tried to force open the door. Failing to accomplish his purpose, he went around to a rear door, which he tried unsuccessfully to break in.
After his departure Kroeger went to Mr. Duckworth's residence nearby and informed him of the occurrence. The latter telephoned the police. Officer Germain repaired to the scene, but the man had gone.
Two weeks ago Kroeger was robbed of $7.50 and a silver watch. He was awakened late at night by a knocking at the door. Opening it, he had a gun thrust into his face coul...
To follow the beet during its transmogrification from a vegetable to sugar is an interesting journey but not a very long one as just two hours elapses from the time the beet comes down the entrance shute into the "agitator" or washer until it trickles into the bag in the warehouse four hundred feet away as pure, snowy, but extremely hot, granulated sugar. Midway between the slicer and the warehouse are the cooking vats where the juice is extracted from the sliced beets. Here the sugar and pulp separate, the juice traveling through a system of pipes and boilers until it reaches the warehouse in the form of sugar, the pulp being carried on elevators to the dryer where in a few minutes it is transformed into an excellent feed, worth from fifteen to twenty-five dollars per ton, according to location and state of the market. The product of the Anaheim factory will be handled principally by Los Angeles jobbers, and will probably be shipped generally to the middle west. Orders are already being booked and shipments begun.
FIRED IN SELF DEFENSE
Shooting at Olinda on Sunday night, Mexican Gets Birdshot
Saying that he had filled a Mexican full of birdshot, Charles Keeley appeared at the courthouse at Santa Ana Monday afternoon to see if anyone wanted to arrest him. The officers had received no complaint against Keeley, and after they had heard his story they thought it unlikely that anyone would ask for a warrant for him.
Keeley was at the home of Nelson Anderson near Olinda Sunday evening when at midnight they were awakened by the cries of two women and two children, who rushed in...
DEEDS
NOT OF RECORD
REVEALS PECULIARITY OF AFFAIRS
Purchased With Money Were Not Received Merely Filed Office—New Management Error—Bonds Ready Robber Came Back—Library Thief Comrecords this week for going to the Orange Company, preliminarily over to the Town of Los Angeles, rehat several valuable y-owned by the comseen filed of record. Errors occurred a year would seem that the business by managers action was peculiar. We this week placed president of the company this week sign-
seaman and old offender, guilty of habitual inebriety, despite testimony of witnesses that the sailorman was an industrious and hard-working man of the sea. The judge gave Mr. Riley a fatherly 'lecture, and discharged him after warning him that the next time he was arrested on a similar charge he would be sent to the asylum.
Judge Howard, Marshal Kellenberger, Officer Germain and former Marshal Simpson testified regarding his fondness for grog, reciting the fact that he had been several times arrested and sentenced to jail.
"Keep away from Anaheim, Mr. Riley," said the court. "If you ever appear before me again, its the asylum you'll go to."
"They will never see me again in Anaheim," replied Riley. "If they do it will be good for sore eyes."
Riley was arrested by Marshal Kellenberger two weeks ago three hours after being liberated from jail, where he had served five days for being drunk. When liberated he had 40 cents on his person. When rearrested with a red ripe jag he had 35 cents remaining.
Judge Howard gave him a hearing and sent him to the county jail to await action of the superior court on a charge of being an habitual
SUGAR FACTORY FIGHT LOOMS ON HORIZON
MANAGER HADSELL THREATENS TO INVADE LOS ALAMITOS
Latter Factory Said to be Signing Acreage at Buena Park for Oxnard —Is Shipping Three or Four Carloads From That Point Daily to Ventura Mill —Open-Tonnage Concessions Made Farmers in Order to Raise Sugar Beets
Manager Hadsell of the Anaheim beet sugar company said yesterday that unless the Los Alamitos sugar company ceases its efforts to sign beet acreage at Buena Park for the Oxnard factory, he will immediately invade Los Alamitos territory and sign acreage for his mill's next year's campaign. Mr. Hadsall has refused to accept Los Alamitos acreage, preferring to leave that territory to the mill now operating there. That mill is this season slicing beets from 12,000 acres, and is at the same time shipping three or four cars from Buena Park to Oxnard daily. It is said its representatives are now in the
BOAT CAPSIZED
Secretary 'Ludden and Y.M.C.A. Boys Have Exciting Experience
While on their way from Avalon to White's Landing two weeks ago, in a gasoline launch towing a boat loaded with supplies for the Y.M.C.A. camp, M. W. Ludden, secretary of the Orange county Y.M.C.A., and a party of five boys acting as an advance guard, had a thrilling experience, the rear boat capsizing and throwing five boys into 40 feet of water. Loring and Gerald Whitaker of this city were among them. The boat had reached a point midway between Avalon and White's Landing, being two miles from the landing-point, and a half mile offshore. The loaded boat was unwieldy and in making a turn the launch caused it to topple over. About $125 worth of provisions, the camp cook stove, plates and other utensils, were lost.
Four of the boys were good swimmers, and the fifth saved himself by clinging to a plank thrown into the water.
Ludden who is one of the most expert swimmers in Southern California, was in the water in an instant, swimming to the boys' rescue. He was aboard the launch, while the boys were in the rear boat.
A fishing boat, seeing the disaster, came alongside and picked up Ludden and the boys.
News of the accident reached town this week.
The party were the advance guard, and preceded the main body of Y.M.C.A. boys a week. These latter sailed a week ago yesterday. Reports from the island are that they are having a glorious time.
WATER FALLS IN RIVER
Volume Reduced One Half by Three Hot Days
Superintendent Porter of the water company while in town the eighth day.
company has a activity here, is unCAME BACK
On Refused to Open Door
was awakened at Saturday night by a door. A man callloose."
the replied, "I have to force open the accomplish his pur-ound to a rear door, unsuccessfully to feature Kroeger went's residence nearby of the occurrence. Named the police. Offaired to the scene, gone.
Kroeger was rob-a silver watch. He be at night by a door. Opening it, he into his face couture company, prelimi-alt over to the Town city of Los Angeles, re-that several valuable y-owned by the com-ween filed of record. Years occurred a year would seem that the business by managers action was peculiar. We this week placed president of the company, this week sign-irring its holdings to and bonds of the issued in payment bonds are ready for be turned over to individually within a
Riley was arrested by Marshal Kellenberger two weeks ago three hours after being liberated from jail, where he had served five days for being drunk. When liberated he had 40 cents on his person. When rearrested with a red ripe jag he had 35 cents remaining.
Judge Howard gave him a hearing and sent him to the county jail to await action of the superior court on a charge of being an habitual drunkard.
BOAT CAPSIZED
Secretary 'Ludden and Y.M.C.A. Boys Have Exciting Experience
Mr. Hadsell regards this premature signing of acreage as an attempt to get beets away from his factory. He signed no acreage at Buena Park this year, as interested people busied themselves with circulating reports to the effect that his factory would never be built. Notwithstanding this, a feeling of great friendliness exists at the Park with regard to the Anaheim mill, and Mr. Hadsall expects a large acreage there the coming year. It is only six miles to the Anaheim mill, whereas the haul to Oxnard is a hundred miles.
"This early signing of acreage for next year," he said, "while the present season has just begun is for no other purpose than to take beets away from us. By making open-tionage concessions, that is, by permitting Park farmers to load as many beets as they can handle, Los Alamitos has signed up practically the entire acreage at that point. We signed none there this year, on account of the circulation of malicious reports concerning us—these being that our factory would not be erected, and that even if erected the mill would be a failure. The factory has been erected and is now in successful operation. We are slicing 20 carloads of beets daily and our sugar is absolutely the best manufactured in the United States.
"I refused to sign acreage for this year at Los Alamitos, preferring not to molest the Los Alamitos mill in its own territory. I could have signed much acreage there, almost within the shadow of the mill, but I declined to do so. Now, however, if Los Alamitos is persisting in signing acreage for Oxnard in our own territory, I shall immediately begin signing acreage in Los Alamitos territory."
The party were the advance guard, and preceded the main body of Y.M.C.A. boys a week. These latter sailed a week ago yesterday. Reports from the island are that they are having a glorious time.
WATER FALLS IN RIVER
Volume Reduced One Half by Three Hot Days
Superintendent Porter of the water company while in town the other day said there was less water in the river than at any time in several years. The volume did not exceed six heads coming to this side, which is half what it amounted to ten days ago. The fall was due to the three hot days last week, when the thermometer rose to about 100 degrees. However since the return of cooler weather he notes an increase in the stream and thinks by the end of the week the volume will be restored to its usual volume.
He has a force of 25 men constructing a 250-foot cement headgate at the intake. Two and a half carloads of cement are being used, and the work will be completed the end of the week. Excavations were made 6 feet to bedrock. A concrete wall was constructed 4 feet wide at the base and tapering to 2 feet at the top.
Mr. Porter states the Amalgamated company is shipping 1200 barrels of oil daily by electric cars to Los Angeles, where the company is refining it. The company's one producing well yields 440 barrels daily, but this it is understood is not the well's capacity. The company has four other strings of tools at work upon the lease, three of the holes having been sunk to a depth exceeding 2000 feet. The company has an 18,000 gallon tank filled with oil, and this is being shipped out at the rate of four cars daily.
POSTAL SAVINGS DEPOSITORY
President John Hartung of the First National bank on Tuesday evening received official announcement from Washington that his application to be designated as depository for postal savings in this city had been approved by the treasury department.
Some weeks ago, on beginning the postal savings system at the postoffice, the department designated the German-American bank as depository. Both these strong financial institutions will be depositories for postal savings funds.