a voluntary organization providing accident, sick and deat

PARTMENT

«iffll?AiLWAY Company

o.

The Voluntary Relief Department

. . . OF . . .

Western Maryland Railway Company

A VOLUNTARY ORGANIZATION

PROVIDING

ACCIDENT, SICK AND DEATH BENEFITS

AND

SUPERANNUATION PRIVILEGES FOR MEMBERS

AND

A SAVINGS DEPOSITORY, WITH BORROWING

FACILITIES FOR MEMBERS

BALTIMORE, MD.December 1, 1919

Title

Guarantee

Till. I- l>\ll,iJl\ii

an(

Trust

Company

ASSETS

$6,500,000.00

MORTGAGE

GUARANTEE

COMPANY

ASSETS

$865,000.00

K'i\ Paul, axd i^kxinc;t<» s-iui:i:ts. ij.vi/I'I moi-ji

OUR BANKIs one of the "ROLL OF HONOR" Banks ofBaltimore. The Bank Commissioner of Mary-land places on this "Roll of Honor" only thoseBanks whose accumulated earnings exceed theamount of their capital.

Pays 3'*) interest on deposits subject to check;A'f, on savings deposits. Safe deposit boxes forrent. Collateral loans negotiated and all bank-ing facilities extended.

TITLESExamined and guaranteed for lawyers, real

estate brokers and the public on a fixed scheduleof reasonable rates.

MONEY TO LOANOn fee simple and leasehold properties; build-

ing operations financed.

GROUND RENTSBought, sold and collected.

OFKIC'KHHAI.HKKT (;. TOWKRS. President

J . I ) 1 1 K KS I )( )WN KS. V ice- President

J(JHN H. DUNCAN. Vice-President and SccroUryC. AI.KX. FAIKHANK. Jr.. ViccProHident

AI.HKKT N. SMITH. Vico-PremdentWARKKN .S. .SKI PP. Vico-Pre.xident

THOMAS ». MAICSHALI.. Treasurer

K. ('K<'l!, IIOCAN. AHHJHtnnt .Secrt'lnry-Treasurer

AI.KX. KINNAIIU), Ai<»i»tant .SiM-rftary-Treajiiirer

J. MII.TON ItUANDT. AKdiMtunt Serritnry-TreaKurer

IIKNJ. II. IIKATH, A»«i»tnnt.Troa«urerVVM. I). P<KI|,TNKY. Ural Ki.t«to Olllcer

Ui^JKGE HAKKI.SON. Manaiter Savinm Department

(ilAK.WTEKI) M()KT(;.\(.KS FOK S.VLK

IN AMOINTS OF 8L000 .\M) I l»\V.\KI)S

These mortgages are the best investments,because ( 1 I each is a first lien on fee simpleproperty worth at least 50'*, more than the

amount of the mortgages; |2| it is uncondition-ally guaranteed by our companies both as to

title and prompt payment of principal and inter-

est; and l3l the investment yields a good rate

of interest and NO INVEStOR HAS EVERLOST A DOLLAR IN THESE MORTGAGESOR SUFFERED ANY DELAY IN PAYMENTOF PRINCIPAL OR INTEREST.

The investor is at no expense whatever, andreceives a check from the Company for hi*

interest the day it is due.

The purchasers of these mortgages includemany of the best known corporations and indi-

viduals in Baltimore, among them being trustees,

savings banks, charitable and religious institut-

ions.

lyiii i:( iou!SHARKY M HKNZINIIKK. Attorney

SAMUKI, M. MANN. Vice-Pre«. Fidelity Trust Co.

WIM.IAM M. IIAYDKN. Pres. Kutaw Savinirs BankFRANCIS N IC.LKHART. Real tjitate

STUARTS. J ANNEY. AttorneyHKNRY S KING. Pres. Security Stonuie & Trust

CompanyCHARLES H. KNAPP. Attorney

BENJAMIN H. ROSKNHKIM. Attorney

ROBERT .M. ROTHER. Pres. Hopkins Place SavinimBank

ALBERT Ci. TOWKItS. Vrvx. of the CompanyGEORGE W. WOOLKORD, Pres. Eastern Shore Tm-i

Company

ESTABLISHED 1865

THE FIRST NATIONAL BANKOF

WESTMINSTER, MARYLANDCAPITAL -

4 PER CENT. PAID ON SAVINGS ACCOUNTS

Sl:2o,000.00

WE SOLICIT YOUR BUSINESS

JACOB J. WEAVER, Jr., President DAVID J. ROOP, Vice-President GEORGE R. GEHR, Cashier

IJIRKCTORSJacob J. Weaver, Jr. Fred. D. Schaeffer Harry P. Gorsuch David J. Roop

Lewis K. Woodward Frederick Mehring John L. Reifsnider, Jr.

Theodore F. EnglarGeorge R. Gehr

WESTERN MARYLAND COLLEGE Westminster, Maryland

A COLLEGE OF STANDARD GRADE IN THE HIGHLANDS OF MARYLAND. IF YOU WILL ASK FOR IT A CATALOGUEWILL BE SENT AND AN ILLUSTRATED BOOKLET.

Rev T. H. lewis. D.D.. LL.D., PRESIDENT

THIS SPACE CONTRIBUTEDBY A

FRIENDOF THE

RELIEF DEPARTMENT

Niles-Bement-Pond Machine ToolsFOR THE RAILWAY SHOP

Wheel I'resses

Wheel Lathes

Axle Lathes

Wheel Borers

Cylinder Borers

Cûartcrin^c Machines

Travelling CranesSteam HammersN-B-C GagesSmall Tools

J ,3jg Niles-Bement-

\ J^'^î^^f.'*^^ Jl 111 BROADWAY

'^^~—'

-' "IT "^ NEW YORK

Every Barrel Guaranteed to Pass U. S. Govern-

ment and Standard Specifications

w^BAT Hi^^.

BATH PORTLAND CEMENT CO.GENERAL OFFICES

FINANCE BUILDING -:- PHILADELPHIA, PA.

New York Office 50 East 42nd Street

WORKS: HATH, IV\.

moimif'Bim

This book is issued by The Vohmtary Relief Department of the Western

Maryland Railway Company, in the belief that its pages will prove interest

ing to its niendiers. and will serve to brighten the leisure hours of our ownfolks, for whose benefit it is published.

Tlie iiresent The Voluntary Relief Department of Western ^laryland

Railway Company represents a re-organization effected May 1-1, 1!)14, on

wliich (late, by agreement, the Western Maryland Railway Company assumed

general charge of the Department, responsibility for its operation and the

discharge of its obligations in confoinnity with the Rules and Regulations

thereof.

The original organization commenced operation August 1. 188.">, and

was known as The West Virginia Central Relief Fund of the West Vir-

ginia Central and Pittsburg Railway Company, comprising part of what

is now known as the Western Division.

On August 1, 190!). it was re-organized as the West Virginia Central

Relief Dcjtartment of the Western Maryland Railroad Company, and effective

May 11. 1911, its operations were extended to embrace the employes of tlie

Eastern Division, after which date it was known as The Voluntaiw Reliel

Department of The Western Maryland Railway Company.

Upon its re-organization on May 14, 1914, its operations were broadened

to include a Savings and Loan Feature. On January 1, 1916, the Super-

annuation Feature became effective.

The Rules and Regulations under Avhich it is now operated, embracing,

as they do, all the various features of the Department, are too bulky to

incorporate in tliis boo.k Tt is felt, liowever, that tlie miles under which

the old West Virginia Central Relief Fund, the ''grandfather" of the present

Department, was inaugurated, would be of peculiar interest to our member.-^

at this time, because from it we see the far-reaching strides that have been

nmde since its beginning.

"For the relief of employes of the West Virginia Central and

Pittsbui'g Railway Company who may he disabled, and the families

of those who may lose theii- lives, it is proposed to establish a fund,

commencing with the tirst day of August, 1885. to be known as "The

West Virginia Central Kolief Fund.

"KihIi ami cvi'iy <mii|>I<i.vc will he ic.|iiii,Ml |<> <iiiiiij|.iili> IowmkI ili.-

supiK.rt of tills fiiiiil as oiii- of ihc <<iiiiliri<>iis ninui which lit- enters theemploy of the ('omi)aiiy.

-IHslnirseiiuiils foi- casuallies ami ilealhs will I.e iiiaile liy tin- ciiiii

iiiitlee or ill siieli maiiiu'r as tliey direet.

••'J'lie coiiimitlee will eoiisist of seven persons. ti> l>e seleclLil usfollows :

"All mines at which Iliere are lietweeii one ImmlitMl an<l two linn-

ilfiMl memheis will he entitleil lo one eommitteeuiaii. aii>l mines havingover two liumlre<l nieiiihers. two eommiileeiiieii : one eommitiecinan forthose emidoyed in runnin>,' trains and workiii;: in shojis; one fn.m thoseemployed in workinfx upon repairs of road, and three to he selectedliy the Company. Tlie eomiuittee to serve for one year, each mine orclass of euiployeos to .select their own commit leemen.

"Tlie committee shall elect a chairman, exeiiitivi' committee, anda secretary and treasurer, who shall ser\e without eomiieusation. Allmoneys collected shall be deposiieil in a hank to he desi;;iiatecl hy thecommittee, and to he held subject to the order of the connuitti-i".

"All employees to he assessed forty cents jter month, except tlnise re-

ceiving one dollar and fifteen cents (.$1.1.")) per day or less, who will bea.s.ses.se(l tweiiiy-live cents jier month. All i-.s.sessments to be collecletl

or retained hy the Paymaster of the Comp.iny and paid into the Trea.suryof the Association.

"Heiielits—For two weeks' disability or nn>re. Five liollars per weekshall be paid after tlie lirst week, benefits to cease after twelve weeksfrom (lat(> of acclilent. Imt may lie extended by a iwn-thiitl vote of thec-onnnitlee.

"Hisability must be finm actual i-asualty while in the perfornianco

of duty assiirneil ihc pci-ôn by th(> Company : not from injury, strain

or otherwise that lua.v be due lo weak condition of the luMly. In addi-

tion to the wceUl.x ,iMo\\ .incc. hi case of loss of limb. ( tne Ilumlred andFifty J)ollars will be allowed, and upon iwo-lhirds vole of the eom-niittee. Sevcin.x live liollais addifion.-il nia.\- lu' paid toward }:ettin;j

an artilicial limb.

••l)cailis 'I'o Ihc widow or leiral heirs, or to ihi' pi^rson named by

emplo.M'. I'onr llniidnd Dollars will be paid when a member dies fromacciileiit, and One Hundred Dollars wIk'ii death is from natural eau.ses.

'rpon the execution of a ;.'ood and sullieient release of The WestN'iiirinia Central jind IMtlsbnr;.' Uaihvay Company from .-ill claims anddiiiiands ;:rowinL' oni xf oi- li.ised upon the accident by which loss of

life or limb is caused to an.\- of its employes, the Compjiny will ]iay

one half of the payment on acc<»unt of a death, and one-half of the pay-nieiil for loss of limb, as specilied above, so that only one-half shall hepaid out of Ihc relief fnnd raised by the employes, and the Company will

also pay .^l.oud imo ihe credit of the relief fund, at oiKv. to aid in llic

(stablishniciil of the same.

'•.Notice of .iccidclil mns| be uiven lo Ihe comillillc<> within threeda.Ns al'Icr the accident.

"Coinmittc'tMiu>ii for the ensuing year are to be selected on July

l)uy-(lay. 18S"). and at the same time in each succeeding year for the year

following. In case of a vacancy occurring in the committee, such

vacancy will he tilled on the pay-day following, ami from tlie mine or

class in which such vacancy occurs."

On or about the date on which this book is going to press, the gross

earnings of the Relief Feature of tliis Department are on tlie basis of nearly

>;i 50,000 per year; the Savings Feature has net deposit of nearly !i?l'7r),000,

with loans to employes of about the same amount. It has nearly 1,000

i-egular depositors through ])ayr()ll deductions, and (»perates a printing plant,

w liosc gross earnings are nearly f2,000 per month.

The annual report of tiie Department for the year 191S is issued in this

l)ook, and while its figures are not sufficiently curi-ent to be of especial interest

to till' members, yet, it reflects the operati(»n of the Department, particularly

the lielief Feature, under the adverse conditions growing out of the unprece

pented epidemic of influenza and its associated diseases which invaded the

territory served by otir road during the closing months of 1918, and the

members will see by the figures, what great benefit the Relief Department was

to those who were atflicted.

The publication of this book has been made possible by the subscriptions

of its advertisers, and we bespeak for these advertisers the consideration of

our employes generally, with request that wherever possible, your patronage

be extended to them. Their subscriptions prove beyond a doubt their interest

in us. Let us reciprocate an<l prove our interest in th.eni.

I M. < < IN N I u < . X I*. Ii I I iiioN I I nnr.

C(».'ni:r's (iARA(ii:>^'i'oix» A(; i: :: >î:k»n i< i:

OI'I'.^WKSTKKN MAKYIANh K. K. PASSEMiKK STATION I I A< i I : N ^-^'^< ) >\ \ , Ml).

A¥»'U(JI I (il<" MdVOI^ llAMIf ' Is one pussfssinjr Surplus and Profits in excess of Capital, thus ifivinjtnj^ l\\JL.L, \Jl llKJiyyjR. U/liÎV tangible evidence of Strenjrth and Security. Of the iS.OdO Banks inthe^l'nited States, onl.v one in ten occupies this proud position. WE ARE AMONG THE NUMBER.

"A place on the Roll of Honor is like a tnan's character— it is something

money can nut hinj, hut is iron hif merit and irorth alone"

EST.ABKISIIKI) I S69 I\C"OKI'( )K ATKl) liH*X

ROLL OF HONOR BANKThe Maryland Surety & Trust Company

(Formerly EAVEY. LANE & CO.)

HAGERSTOWN - - MARYLANDOENER.AL BANKING BUSINESS

liisesiments Foreign Drafts Letters of Credit Travelers' Cheques

CORI'OK.ATE TRl STSTrustee Under Corporate .Mortgaties

PERSONAL TRUSTSActs asIExecutor, Administrator Testamentary Trustee (luardian and Committei

SAFE DEPOSIT VAULTS SAVINGS DEPARTMENTDIRECTORS

Lewis T. B.vron, President Haiterstown Shoe and LeitirinK Co.: J. G. Bowers. Hanerstown Tableworks; H. J. Cro>.~ •!

Windsor Knittintt Mills: S. Ennes. General Manager Baltimore and Ohio Kailniad: Jos. K. HotTman. J. C. Hoffman's

Sons: E. C. Hook. Secretary: H. H. Keedy. Jr.. Coun.sel Cumberland Valley Railroad: Wm. P. Lane. President: Chas.

Lane. Jr.. Treasurer: F. H. Miller. Hajrerstown Tableworks: M. P. Moller. Orijan Manufacturer: Thos. W. Panifbom.

Pres. Pang-born Corp.: J. E. Rowland. Grain Dealer. Maugansville: O. H. W. Ragan, F'hysician: Samuel M. Shafer.

Merchant: J. E. Stonebraker, President Antietam Paper Co.: D. A. Thomas. President Central Chemical Co.: Chas. B.

Waifner, Farmer: E. A. Wareham. Physician: Chas. J. I'owles. Emmert Hardware Co.

MMiliiKI).! HKOU.N. I'r.sKJ.nl IKANK A. I AV1.< )K, \ n . I'^.•^ & Ii<-.,sui.m MIKKIKl K >MI III. >ri tri.^t v

MARYLAND COAL & COKK COMl'ANYMINERS AN!) SIIII'I'IKS Ol

HIGH GRADE BITUMINOUS COALExclusive Selling Agents for the Hamill Coal and Coke Company of Blaine. West Virginia

Main Ofiico : .^(c|)lu>n (iinini Kuildinu. i'hiladclpliiii. I'a.

IlKWlll Ol IICKS:

New Ôrk ('i(\ Italtiinorc. M(L .\ltoona. I'a. Newport Ncw^. \ a.

3>f^f5l>i=r

AUli

West Virginia & Pennsylvania Coal Co.INCORPORATED

No. 1 Broadvây

NEW YORK - N. Y.

Finance Building - Philadelphia, Pa.

Steam CoalsBIRD QUEMAHONING MILLER VEIN

PEERLESS

LINCOLN MORGAN FRANCES

Lincoln Coke

THE CONTINENTAL TRUST COMPANY

CONTINENTAL TRUST BUILDING

BALTIMORE & CALVERT STREETS BALTIMORE, MARYLAND

THE CONTINENTAL SERVICE

FOR INVESTORS

Securities for Trust Bonds

Approved Bonds and Stocks

Liberty Bonds Bought and Sold

Real Estate Mortgages and

Ground Rents

Management of Real Estate

Safe Deposit Boxes in Armor

Plate Vault

Storage for Silver and Valuables

BANKING DEPARTMEMInterest on Check Accounts

4 Per Cent, on Savings I)e|)osits

TRUST DEPARTMENTExecutor and Tnistee under

Wills

Management of Estates

Trustee for Corporation Bond

Issues

Transfer Agent and Registrar

of Stocks

5. DA VIES WARFIELD President

Capital and Surplus $2,700,000

^H^^^^^^^HBi^^JJ^^^^^^^^^^^^^^^^^^^^^^^^^^^Î

^M^r ".^^^^^ ^H

1l»^K^1^^p^^M^F^^L

Vî^3^H^ûp\^ *^t iiiia^ ,^^^^^^^^^^^^^^^^^^^^^^^^^^H

CARL R. GRAYPRESIDENT

1914 - 1919

GENERAL CHAIRMAN—GENERAL COMMITTEE-1914 - 1918

THE

DAVIS COAL AND COKE

COMPANYContinental Building, Baltimore, Md.

PRODUCERS AND SHIPPERS OF

DAVIS, THOMAS, "ORENDA"QUEMAHONING

AND OTHER

Best Grades of Bituminous Coals

For By-Products, Bunker, Export,

Smithing, Domestic and

Steaming Purposes

Shipments From Mines to Any Rail Point and

Over All Piers at

NEW YORK, PHILADELPHIA and BALTIMORE

M. C. BYERSGENERAL MANAGER

CHAIRMAN. GENERAL AND EXECUTIVE COMMITTEES

IN.-,41 1 > I !

)

OUR STANDARDSTRENGTH -:- SAFETY -:- SERVICE

j-rJ-H

CAPITAL

SURPLUS AND PROFITS

$ 750.000.00

1.100,000.00

EUGENE LEVERING - President

G. H. BARNES. Vice-President and Cashier

MAGRUDER POWELL. Assistant Cashier

HARRY W. OWINGS. Assistant Cashier

J. WALTER OSTER. Assistant to President

DIRECTORSEUGENE LEVERING

President

JOHN R. BLANDPic-sident U. S. Fidelity & Guaranty Co.

HARRY R. JONESof Clarke & Jones, Wholesale Confectioners

HARRY FAHNESTOCKof D. Fahnestock & Co., Brokers

W. HOWARD MATTHAIDirector National Enameling & Stamping Co.

WILLIAM C. PAGEPresident Calvert Bank

THORNTON ROLLINSCapitalist

F. C. SEEMANj. A Dobson \ Co., Wholesale Glassware

W. J. CHAPMANPresident W. J. Chapmsn Coal Co.

CARL R. GRAYPresident Western Ml. Railway Co.

WALTO.\ MILLERStc. -Treas. Monongahela \'alley Traction Co.

ARTHUR W. THOMPSONPresident Philadelphia Co., of Pittsburgh

LOUIS MULLERCapitalist

GEORGE WEEMS WILLIAMSof Marbury, Gosnell Ac Williams, Attorneys

A. E. DUNCANChairman of Board. Commercial Credit Co.

JOS. A. McCULLOUGHLegal Dept. U. S. Fidelity & Guaranty Co.

JULIUS LEVYof M. S. Levy «< Sons, Inc.. Straw Hat Mfrs.

EUGENE LEVERING. Jr.

President Levering Coffte Co.

ALFRED S. NILESof Nile*, Wolff. Barton & Morrow. Attorneys

G. H. BARNES\ ire-l'ipsi<leiit and Cashier

POOLE ENGINEERING

MACHINE COMPANYBALTIMORE, MARYLAND U. S. A.

Gearing

Machine Moulded or Cut

Phosphate and Fertilizer Machinery

Patented Clothes Machines

Turbo-Gears Speed Transformers

Heavy Gray Iron

Semi-Steel and Charcoal Iron Castings

Special Machinery

Rolling Mill and Plate Glass Machinery

=POOLE SERVICE= =

Is A Guarantee of Quality and Satisfaction

ALLOW US TO FIGURE ON YOUR NEXTSPECIFICATIONS

W. T. STKlNi;i:ii

SUrKKlNTKNDENT

RELIKK DKrAKTMKNT

] T T / AVING seen the text which has been written for this book; reahz-H5 11/ ing the incompleteness of it without something being said of our

I ZZZ^ ISuperintendent; knowing that his modesty and retiring disposition

) I would prevent him from writing, or even editing anything about^ -4 hjjjiself, and believing in giving credit where credit belongs— this

Committee submits the following sketch of our Superintendent so

as, in our opinion, to complete what is to be published:

William Taylor stringer

Was born in Hillsboro, Loudon County, Virginia, on the 18th day of March,

1881, attended the Glyndon (Maryland) Graded School and afterwards the

Randolph Macon Academy, Front Royal, Virginia, where he was graduated

in 1896. After graduation, he entered the Law Office of the late William

Pinkney Whyte, Governor of Maryland, as a clerk, and while there took up

stenography.

In March, 1898, he entered the service of the Western Maryland Railway

Company as stenographer to the General Auditor, and has since that time

been continuously in the service of the Company, filling the positions of

—

Stenographer to General Auditor

Stenographer to Train Master

Stenographer to General Freight and Passenger Agent

Chief Clerl^ to Freight Traffic Manager

Secretary to General Manager

Chief Clerk, to Vice-President and General Manager

Chief Clerk, io President

Assistant to President, and

in April, 1915 was elected Superintendent of this Department.

Such a record could have only been maintained by diligence, efficiency and

loyalty, and these are the traits which he possesses, and which have enabled

him to build your Department to where it now stands, as is reflected by the

statements that are regularly issued.

Realizing that Mr. Stringer is as well known to the Members of the

Department and the employes of the road as he is, we feel that whatever

we might say regarding his personality would be superfluous, and that all

justly consider him their friend.

On October 24th, 1905, he was married to Miss Ruby M. MacDonald,

of Shepherdstown, West Virginia— their home is in Glyndon, Maryland.

I M A t. I M A » r.

jUerijr

The Liberty Tool CorporationMANUFACTURERS OF

LABOR SAVING SHOP TOOLS AND EQUIPMENT1318-20 MUNSEY BUILDING

BALTIMORE - - MARYLAND

Owens & Hecklinger EDWIN R. STRINGER

..TAILORS... AITORNLY AT LAW

18 ST. PAUL STREET 509 Title Building

Bet. Fayetle & Baltimore Sts. Baltimore, Md. BALTIMORE. MD.

ESTAUl.ISHEl) IMIT

Samuel Kirk & Son Co.HESS TYPEWRITER & SUPPLY CO.

HIGH GRADE REBUILT 106-8 E. BALTIMORE ST.

...TYPEWRITERS... BALTIMORE, MD.

ALL MAKESJewelry Silverware

RIBBONS CARBONS SUPPLIES

TYPEWRITERS RENTEDWatches Clocks

BALTIMORE - - MARYLAND Dopt'iKlable Merchandise .Moderate Prices

GEO. C. MCLARTY MILLS-FRIZELL-EVANS CO.

. .. DRUGGIST . ..

400 N. GAY STREET

1 INCORPORATED!

Linotype Composition For The Trade

9 SOUTH EUTAW STREETBALTIMORE. MD BALTIMORE. MD

WHEN YOU THINK OF INSIR.WCK

FIRE

LIFE

TIII.NK 01 .MEAUTOMOB LE

BORGLARYF. M. HOWELLACCIDENT

225 E. Redwood St.

BALTIMOREHEALTH

E. OLIVER GRIMES, Jr.

CHIEF COUNSEL

RELIEF DEPARTMENT

National Hot Water Locomotive Boiler Washing System

This system utilizes the waste heat units of the IjOcomotive Blow Off. storinp

the Blown Off water in one reservoir to be used for washing out Locomotive

Boilers and condensing the blown off Steam and storing it in another reservoir to

be used in refilling locomotives with hot water.

The operation of the National Hot Water Locomotive Boiler Washinj* System is as follows:

The locomotive, after being run into an engine house equipped with this

system, is connected to the Blow Off Drop and is then blown down. The steam,

water, and sludge are separated in a special Separator Tank; the steam is con-

densed in a special Vacuum Condenser and then flows into the Filline Tank: the

blown off water fiows into the Washout Tank and the Sludge is automatically

emptied into the sewer. The Washout water is tempered by the automatic ad-

mission of cold water and pumped through a system of mains and drops out su

that it is available at any stall in the Engine House. The Filling Water, which

is maintained at a temperature of 180 to 200 degrees F., without the use of live

steam, except in cases of emergency, is pumped through a system of main and

drops so that it is available at any stall.

The National Hot Water Locomotive Boiler Washing System increases the

life of boiler tubes, eliminates cracked sheets and broken stay bolts, saves fuel

and increases locomotive hours by reducing the time necessary to blow off. wash

out, refill and get-up steam.

Peace Time—and Time PiecesPeace time brings a more plentiful supi)ly of Ball Watches— the best

time piece; the time piece that was especially designed to meet the

exacting official requirements of the Great Railroad Systems of the

United States and Canada; and it is therefore rightfully entitled to

the honors conferred upon it as the "Official Railroad Standard".

The Ball Watch begets the confidence of Railroad Men everywhere

because of its unusual performance. Day in and day out it ticks off

the seconds, the minutes and the hours consistently and accurately a

sturdy, dependable, reliable watch under every condition of service

and use.

.Join the thi-ong of Ball Watch users. Ask your Dealer.

THE WEBB C. BALL WATCH CO.CLEVELAND, OHIO

CHICAGO SAN FRANCISCO WINNIPEGGarlnnd Building Jeweleri Building Confrderation Life Building

RELIEF DEPARTMENT STAFF

W. T. STRINGER

E. OLIVER GRIMES, Jr.

F. T. HORMESL. F. TIMMERMANE. L. SIEGMAN

Superintendent

Chief Counsel

Secretary-

Treasurer

Asst. to Superintendent

SUPERINTENDENT'S OFFICE

F. T. HORMESLOUISE BROWNAILEEN McKENNEYTHOS. F. BAUBLITZ

JANE WORTHINGTONW. W. MacDONALD

G. W. BILLMYER

HELEN TOWNSHENDJAMES CARROLL

Chief Clerk

Stenographer

Clerk

Stenographer

Asst. Chief Clerk

Clerk

Clerk

Clerk

Clerk

MEDICAL EXAMINERS

F. C. WARRINGC. N. BRANIN

J. A. PALMER, Jr.

WILLIAM SCHULZER. W. DUNHAM

Baltimore

Hagersto-wn

Cumberland

Hagerstown

Elkins

JOHN E. H. RINE Supervisor---Printing Plant

CHARLES F. RAFETTO

COALGAS AND BITUMINOUS

FURNACE AND FOUNDRY

COKEFINANCE BUILDING

Philadelphia Pa.

INQUIRIES INVITED

The

Oxweld Railroad

Service

Company^'

Railway Exchange 30 East 42d Street

CHICAGO NEW YORK

Detroit BullseyeLubricators

Â-" -,- -r,-' >'

I'rovidr for uiiintcrriiplcd liiliricalion undt-r all rondi-

lidiis. niul at tin- same liiiu- ynrs ease o\ i>|HTaliim.

iiUTcaM-d oil iiiilraur and iii'-iiraiu'c acaiiisl aii'id«iit<>

DETROIT LUBRICATOR COMPANY

DETROIT. MICHIGAN

ikxB Ytm 31 ms^si^m ©if mm mm^Bl IPsaitm^^

ir you are not over 45 years of age, see one of the Medical Examiuer.s

at once for examination. He will tell you of the accident, sick and death

protection it affords. Your occupation is a luizardous one. Aren't you will-

ing for the sake of your loved ones, to make provision against the loss of

time resulting from disability?

Is your family protected as fully as you are able, against the time when

they nuiy be left witliout your helping hand? Are you looking forward

to old age, and to the fact that you can't work all your life? The Relief

Feature i)rotects yourself and family against all these uncertainties.

The Relief Feature saved many a fanuly from want when the dreaded

Flu made its inroads in our community a year ago.

The Relief Feature extends to you the happy assurance that old age will

not be that grim spectre which so many of us look forward to with fear

and trembling. At (i.") over half the men in this country are dependent

upon friends, relatives or charity.

Ask some of our Sui)erannuated members about the independence they

enjoy.

One of them tells iis :

'"I cauuot ix'fraiii frciii calliiiix you Brotlior. for I feel tlint way In

luy heart.

"I want to tliaulv yon and all the officials of the Relief and the

AVestern Maryland Railway that aided me in getting on the pension

that will help me wonderfully in my last sad days of my life.

"I cannot speak too highly of the Relief, and I think every manshould join it for their own protection, as well as others. Once moreI will say 'Thank you.'

"

Another says

:

"Your letter of December l!)th received a few days ago, and I feel

very much indebted to you for the assistance you gave me in granting

me a Pension.

"Everything is perfectly satisfactory to me. and 1 hope that some

day I am in position to return your kindness.

"Thanking you again for your assistance. I remain."

While there is yet time, give yourself a self-examination into your future.

Think of your family and those dependent upon you. If it reveals that yon

are not now doing your part while you are in good health and normal strength,

get busy at once—you'll never regret it.

THE ASHTON VALVE COMPANYLocomotive Pop Safety Valves

Steam and Air GagesBranch Offices

:

NEW YORK, CHICAGOMain Office and Works:

161-179 FIRST ST.. CAMBRIDGE C.

BOSTON. MASS.

V. AMBROSE MARRY O. PERRY

iXuihrnsr cS; ^JiTrij

.. (Lailnrs ..

1 1 East Fayette Street Baltimore, Md.

CHAS S OlSItftNO Propiielor Telepbont ST PtUL 4Ut

REPAIR PARTS FOR FORD CARS

OLD TOWN AUTO SUPPLY. . ACCESSORIES . .

TIRES. TUBES. OILS. GREASES SOAPS ETC

r,.\V ."i KXKTKK STS. H \1.TIMOKK. Ml).

UNION TRUST COMPANYBALTIMORE

CHARLES AND FAYETTE STREETS

Thoroughly equipped to handle all business pertaining to banking.

Invites accounts of corporations, firms and individuals.

We allow interest on accounts subject to check and will make special interest

rates for deposits left with us for a stated period.

4 Per Cent. Interest Paid in Our Savings Department.

AW.Harrison'^^/

^KL'Mî.

313 &3I5 S.SHARP ST.— BALTIMORE,MD.

Carbide Lijjhts and Oxy-Acetylene Cuttiii.n

and \\ ridiiiii Torcht's and .\|)|)aratus

iiii: .vi.i:x.vm)i:r

M I i.ni R NCOMPANY - BALTIMORE, MD.

t^^2^ -yV. -JrL MDOU-^., JiL

2.0^ '!/V. UiilViJjlEiiî '^''I'li 2^1^-1'

lÂh'\:TMOH)2!.j MT).

F. C. UHLMANAUDITOR, BALTIMORE

MEMBER OF GENERAL AND EXECUTIVE COMMITTEES

G. F. WIESECKELSUPT. M. OF E., HAGERSTOWN

MEMBER OF GENERAL COMMITTEE

C. A. STEINERASST. TO GENL. MGR., HAGERSTOWN


H. R. KIGHTM. M. CUMBERLAND


sg>#^*& sg>^ *a> »^^^s£>^^

THE MARYLAND CAR WHEEL WORKSOFFICE AND WORKS

BALTIMORE - - MARYLAND

MANUFACTURERS OF

Chilled Wheels, for Freight and Passenger

Cars, Locomotive Tenders, Street Cars, Mine

Cars, Logging Cars and Doubled Flanged

Wheels for Electric Cranes.=

**^^^ ^^f **^ *^' '^^^ nJ>^^^^^^

E. L. SEIGMANCONDUCTOR, BALTIMORE

ASSISTANT TO SUPERINTENDENT AND MEMBEROF GENERAL COMMITTEE

J. W. MESSERSMITHYARD MASTER, HAGERSTOWN


FRANK SNYDERENGINEER, BALTIMORE


E. O. DONATENGINEER, HAGERSTOWN


Cumberland Coal Co.I I N< ( )lv' I '< >U' \ 11 I) I

MINES AND COKE OVENS

DOUGLAS, W. VA., W. M. RY.MAIN OFFICE !

BALTIMORE, MD.

C. M. SUTER & SON

Dirrrtxtrii

HAGERSTOWN - MARYLAND

E. C. FiERYShoes, Caps, Gloves,

Overalls, Etc.

hagerstown, maryland

DEEP RUN BIG VEIN COAL CO.

MINERS AND SHIIM'KKS

Georges Creek Big Vein Coal

Bakerstown High Carbon Domestic and Steam Coal

Freeport High Carbon Steam Coal

Mines on Western Maryland R. R. Shaw. W. Va.

SALES OFFICE

PIEDMONT :-: W. VA.

(Tins spare rnntrilnltc^ Inj a

JFi-Jcub nf tlicr'

Ixflirf llf}jartuuMtt

MILLER & WINERERC.Clothiers, Tailors and Furnishers

II West \\a.slijnj4t<)ii Strirt

IIACKKSioWN -:- MAKVLWI)

First National Bankof Piedmont, W. Va.

Capital - - . $75,000.00

Surplus - - . $60,000.00

DEPOSITORY FORTHE UNITED STATES

THE STATE OF WEST VIRGINIA

THE CITY OF PIEDMONT

Mineral County's Largest Bank Solicits Your Business

HUMRICHOUSE BROS.DEPARTMENT STOREl)n (ioods iiiKJ Ndliims, Liidies Siiilx.

Shoes, I'loaks. \\iii>|s. C hildrcn's t'iials. Kic.

HAGERSTOWN, MD.low i;SI I'KICIS A! W A^ S

yir/jj-fy&£n(/raii'rj'MCMA«i> t, tAirtTTt m

» ?.A LI! MORI?:. MI>

WERTHEIMER'SClothing for Men and Young Men

and Furnishings

99 BALTIMORE STREET CUMBERLAND. MD

Footer's Dye WorksCleaners, Dyers

CUMBKRLAND - MARVL.AND

A. WILLIAMSONSUPT., CUMBERLAND

MEMBER OF GENERAL AND EXECUTIVE COMMITTEES ]

A. M. SMITHSUPT., HAGERSTOWN


T. H. HOOVERCONDUCTOR, BALTIMORE

BUILDING INSPECTOR

H. W. McELWEEENGINEER, HAGERSTOWNBUILDING INSPECTOR

HENNEGEN-BATES COMPANYESTABLISHED 1857

JEWELERS AND SILVERSMITHSWATCHES CLOCKS

7 EAST BALTIMORE STREETBALTIMORE

MAIL ORDERS GIVEN PERSONAL ATTENTION

It l':i>'lv A. NN I l.lt I I.M

Hillen Meat MarketWHOLE?ALEt;AND RETAIL DEALERS IN

Beef, Pork, Lamb,VealBacon, Lard, &c.

1040-42 HILLEN STREET

Corner East BALTIMORE. MD.

(". .V p. IMiom:. Mr. \ iknon lo.tl

Motor Car Co.

Maryland & Mt. Royal Aves.

BALTIMOREMARYLAND

3 POINT SPRING SUSPENSIONCreatrtt Improvement in Riding Comfort Since Invention of Pneumntic Tire»

J. N. MARTINAGENT, CHERRY RUN


JOHN J. DOYLEAGENT, WALBROOK


W. H. GILL

AGENT, HENDRICKS

MEMBER OF GENERAL AND EXECUTIVE COMMITTEE

J. R. YEAGERGENERAL FOREMAN, THOMAS


NEALE'S DRUG STORE307 DAVIS AVENUE

ELKINS - WEST VIRGINIA

PRESCRIPTIONS A SPECIALTY

AGENTS FOR

Eastman Kodaks, Park & Tilford

Chocolate Products and Martha

Washington Candies

Our Motto, "SERVICE EIRST" Penslar Agency

JOHN T. WARD JOS. M. WARD

BUILD WITH BRICK

WARD BROTHERS

General Contractors

Brick Work a Specialty

ELKINS W. VA.

Elkins Furniture & Hardware Co.

DEALERS IN

Furniture, Hardware

and Building Material

House Furnishing a Specialty

ELKINS W. VA.

This space

by a

FRIEND

of the

Relief Department

Put a Pass Book into Your Home:(:||<)<>SIN<; IMIi::

PEOPLES NATIONAL BANKELKINS, WEST VIRGINIA

K. ( IIAI-I-KV. I'rcs. ,1. T. I.IXCAMFKI.TEK. Oishicr I). V. STKOCK, \ i<cl>r.s.

JAMES BUSKIRKCONDUCTOR, ELKINS

MEMBER OF GENERAL AND EXECUTIVE COMMITTEE

J. G. O'CONNORENGINEER, ELKINS


D. T. LECHLITERCONDUCTOR, CUMBERLAND


J. A. EVANSFIREMAN, CUMBERLAND


\S. S. IJOSIW ILK. I'residiiH C. A. L^tJ.N. Secy, and Trta!

BOSTWICK-LYON BRONZE CO.

Brass Castings, Journal Bearings, Babbitt

Waynesboro Pa

\V. S. IJOSTWlCk, I'rtsidvnt C. A. l.VO.N, Soiy. and Trias

HAGERSTOWN BEARING METAL CO.

Brass Castings, Journal Bearings, Babbitt

Hagerstown, Md. Baltimore. Md

LANDIS

LANDIS GRINDING MACHINESBiir in productiveness, in reputation, in the esteem of

their users. Landis plain Krindini; machines have every

feature to cttmmend them, and are in ureat demand for

railway work.

The Line includes icap machines for srindinir larK>'

steam entrine crank shafts and piston nxi.s. heavy ma-chines for ifrindinif shaftintr. axles, etc.. al.so. plain m.i-

chines for smaller work.

LANDIS BORING & MILLING MACHINES

Eminently fitted for railway work, such aa horinjr

cylinders for steam enirines. pumps, enirine frames anda Kreat variety of other operations.

CATALOGS ON REQUEST

LWDIS TOOL COMPANYWAYNF.SHORO. PA

LANDIS

C. p. WINDERCONDUCTOR, HAGERSTOWN

BUILDING INSPECTOR

S. W. GROSSENGINEER, THOMASBUILDING INSPECTOR

Keep your eye on the young man with the Banl^ Bool^

for some day he will he the man with money and possess

a Fortune^ —

Young man, if you will start right now, and put a part of

your earnings in the Bank every pay day, there is nothing

can stop you from becoming influential and rich. Moneybreeds money. The man with money knows that the young

man who can, and does take care of his own money, will take

care of his money too. He trusts him. The young man gets

opportunities for making more money and a partnership.

PUT YOUR MONEY IN OUR BANK WE PAY V. PER CENT. INTEREST

Resources for Protection of Depositors over $3,000,000.00

City Bank of York, Pennsylvania

ORGANIZED 1887GOEFFRF.V P. ZOST, President

T. |{. HAIKI). Cashier

D. F. STAlFFER. Vice-President

\V. H. HOI.I.. Assistant Cashier

VTTT

100 Per Cent. Boiler Efficiency

American Renoleo Co.. IncYORK. PENNA.. U S A.

'fr

i'M-k

vmmm

.>*aj«.^>:

These Homes, located in West Virginia, were built or purchased through the

aid of the Savings Feature of the Relief Department.

HMIfkSTIMS MO.ON THE LINE OF

Tin: WKSTKKN MAHVI.AM)

at HAdKKSTOWN. Ml).

IS LOCATED THE

WORLD'S LARGEST

SAND-BLAST IXDISTRV

* PA N c; n <> R > "

=SA> D- H I. AH 1=

i«)R i:n i:r\ uaii.u<iai> oi'duaiion

:i.\ I Ol NUKY, CAK, LOCOMOTIVE. REPAIR AND BRIDGE DEPARTMENTSAND INDUSTRIAL CASTINGS, FORGINGS. STAMPINGS. SHEET. PLATE. STRLCTIRAL.

ROD AND BAR STOCK AND HEAT TREATED PARTS

2^^^^^=

CD)

HAGERSTOWN. M D.

SAND-BLAST SPECIALISTS

=59=3

PEOPLES BANK OF HANOVERCAPITAL, $50,000

ALVIN R. NISSLY, President

FRED. W. WEBER, Vice-President

SURPLUS, $50,000

JNO. C. KREBS. Cashier

JOHN F. SHULTZ. Asst. Cashier

3^2 PER CENT. INTEREST PAID ONChristmas Savings Club Accounts

Thrift Club AccountsSpecial Certificates of Deposits

(IF LEFT SIX MONTHS OR LONGER)

Regular Savings accountsiCOMPOUNDED SE M l-AN N U ALLY 1

We provide YOU with every service a bnnk can offer and aim to make our service

better than any other bank. It will pay YOU to brinij YOUR business to

PEOPLES BANK OF HANOVER"I'HE BA.\K I'OR THE PEOPLE"

CENTER SQUARE HANOVER. PA

At every large point along the line, there are employes who with their families

are enjoying the comforts of their own homes, and who will

tell you how the Relief Department has assisted them.

FOR FREIGHT

PASSENGER

AND

ENGINE TENDER

EQUIPMENT

-1 2V2FaU-nU-d and I'aU-nlN I'endinK

A 2>1<2TTqBL^/ .\-J -li

\Vc carry these three lengths in slock for interehanite repairs - A-;j -OS A-3-1

stii vi:it:u i:«ii ii'Mi:"sr f<)Miv\.N>PEOPLES GAS BUILDING. CHICAGO

OLIVER BUILDING PITTSBURGH PA683 ATLANTIC AVENUE BOSTON MASS

The Best Methodof Firing

A prominent Supcrinfendcnl ot Motive Powerrecently said that by putting an expert on a loco-motive to supervise all the work and help thecrew get the most out of every point that wouldfurther the economical operation of the machine,a big saving could be effected in fuel and watereven with locomotives making showings betterthan the average.

If the constant presence of an expert wouldbring (his about and noonedenirs that il would —

Why Not Have An Expert

On Every EngineThe system of home study training inaugurated

by the International Correspondence Schools of

Scranton, Pa., if properly followed, will makeexperts of every engineer and fireman. Let theI. C. S. show you how they can help you be anexpert and thus qualify for promotion.

A letter or post card will promptly bringthis information to you.

== IXTKRXATIOXAL^^COKRKSPOXDKXCK SCHOOLS

SCRANTON. PA.

STUCK!

SIDE BEARINGS

Oliver Building

A. STUCKI COMPANY

PITTSBURGH. PA.

E)(D "Warn Qwm I'Diair ©imn Tluma^

The illustrations of homes owned by our employes represent only a

very few of the number that have been purchased, built, or freed from debt

through the Savings Feature of the Relief Department. In fact, nearly

300 of our employes and their families have been made happy in the posses-

sion of their homes, through this means.

Are jou among those who are paying rent? Have you ever thought

that the amount of rent that you have paid would, in many cases have been

sufficient to have purchased your home? Has anybody ever told j'ou of

the advantages and reasonableness of the plan by which the Relief Depart-

ment can help you? Don't pay rent all your life, but begin now, and it will

surprise you how quickly you are able to own your own home.

We have letters from many of our borrowers, expressing satisfaction in

the manner in which their loan transactions have been handled. Back in

1915 we received the following letter from the first borrower to construct

a home through funds advanced by this Department

:

"As a borrower of the Relief Department (and I expect the first

to build a home by day's work, overseeing the construction of it person-

ally, and seeing that all bills were paid promptly through your Attoruey.

from money advanced by you as requested )

,

I feel I would not be doing yourself and the Relief Department justice

if I did not express myself on the promjjt and businesslike manner in

which the matter was handled. I feel I could not say too much in favor

of that part of your Department. Personally. I think it is one of the

grandest things a laboring man could expect. Another part of the relief

in connection with a loan that appeals to me very strongly is that part

that requires a borrower to take out insurance enough to cover the

amount of the loan. It is a good guard against the unexpected in a

calling so hazardous as ours. It is a great pleasure for me to think if

in case anything should happen to me. my wife and family will be left

a fine place they can call their home and free from debt. Life seems

more of a pleasure since we have our own home, after renting for so

many years.

"I suppose you have the last of the bills by this time, which finishes

up all bills in connection with the property, and in closing I want to

thank you very, vei-y kLndly for our pleasant business relations, and at

any time if I can favor you in any way, please let me know."'

Cardwell Friction Draft Gear

The purpose of a draft gear is to protect the car and its

lading against the destructive effect of the forces developed in

service. Experience proves that no arrangement of spring gear

can do this, and a good friction draft gear is an essential element

in a well constructed freight car.

The results of practical operation extending over a number

of years as well as exhaustive laboratory tests prove the real

excellence of the Cardwell Friction Draft Gear.

Its efficient protection of the car against the effect of

shocks, that with any other draft gear would be dangerous,

combined with its simplicity of construction and ease of application,

make it the best draft gear ever applied to a car.

Union Draft Gear CompanyCI11CA(;() 01 1 ICE

McCormick Muiidinj,'

CANADIAN OIFICK

627 Transportation Hldij.. Montreal

Only within tlie last month one of our borrowers says:

"I'ou liave. through the Relief Department, assisted many a lal)()rer

to get a home that otherwise would never have been able to make

the first payment. I know from actual experience. I found the Relief

Department could take care of my wants and were overly anxious to

lend a helping hand, and in a very short time I was able to make myarrangements for the building of a home. It may l)e of interest to some

people to know how easy it is to stop paying rent and pay it to yourself.

Al)0Ut four months after I explained my case to the head of the Relief

Department I wa,s moving into a brand-new home of my own, and bade

farewell to the landlord class. We are all so well pleased with our

new home that for a period of time I could hardly believe such a change

could come about. It was almost too good to be real. You may be

compelled to make some real sacrifices for a while, but the effort is

worth it. Your landlord will never write you a deed after you havepaid for his house in rent. AVhy not try the Relief Department for a

landlord. They will treat you right, and you will be treating yourself

right. You owe it to your family in case anything should happen to you

to leave them with a home free of debt. That's what it means to buythrough the Relief Department."

The above are typical of a large number of letters we have received from

satisfied borrowers. Write to the superintendent at Baltimore for full infor-

mation. He will be glad to helji you.

American Steel Foundries

Chicago New York St. Louis

MUDGE & COMPANYMANUFACTURERS OF

RAILROAD 1^ EQUIPMENT

Railway Exchange

CHICAGO

Mudge Motor Cars For Section and Inspection Use

Mudge-Slater Spark Arresters — For Locomotives

Mudge-Peerless Ventilators For Passenger Cars

Mudge Solvit Compound — For Removing Paint

BURTON MUDGE ROBERT SINCLAIR WILLIAM B. ROSSPresident Vice-President Eastern Manager

Some Beautiful Maryland Homes where our folks and their families are enjoying

life to the utmost and resting in the security of possession.

MM I KIMMIT Minat". Sec Iriis C t P PHON( 2t3

FAR.MFRS SUPPLY CO.

EVERYTHING FOR THE FARMIl-I.J I.IHKKTV STREET, Niiir Miiin

VVESTMINSTKR MARYLAND

Build Yourself a Home

!

We furnish House Design, Details

with specifications and Estimate.

Material delivered to any point.

SMITH & REIFSNIDER

Westminster Maryland

WESTMINSTER CANDY KITCHEN

HOME MADE CANDIESAND ICE CREAM

WESTMINSTER - MD.

.\ut4)inol>iU- .Vcco^tiiricN ((Ciii-r.il Ki-p.iir \V <>; kIUi\ ^'our OiK and On All .M;tki-*« nf Cars(f.tsiiliiu- I'Toin I '^ Ml \\ (irk ( •ti.irantii-tl

I), li. (;i:iMA\ iV^ si< %.\(;i:nts k>k

OAKLAND AND PAIGE AUTOMOBILESWEST END GARAGE 77 WEST MAIN STREfT

PHONt ?4-M WESTMINSTER MD

GEO. N. HUNTER\\ holesale and Kt-tail Dealer in

Fruits and Vegetables of all Kinds

Also a Full Line of MeatsWESTMINSTER MARYLAND

W. Frank Thomas John L. Bennell Joseph E. Hunler

TH()M.\S, BENNETT & lU'NTERc O.N rii.\.< roi^K

HKillW.VY & BKIlMiK CONSTKrCTOKSWESTMINSTER MARYLAND

V. A. 13 A I I.KRi:i) I RONT K'lOIÎi:

DKAI.KK IN

General Merchandise, Groceries. Sportinj*

Goods, Bicycles, Tires and Repairs1 EAST MAIN ST. WESTMINSTKK. NH)

l^^[E ili^î

<CD'M^.L'1M£,W1-'^ UT

LJj-j-p-

nnvT^si CO.•TJ-rjp

CAliSiD'l^L ûa'Jî^J^'^J^

ir—

^

fi 5\m=m\i 5\^̂ =m

Dr. F. C. warringmedical examiner

Dr. C. N. BRANINmedical examiner

Dr. J. A. PALMER, Jk.

MEDICAL EXAMINER

Dr. R. W. DUNHAMMEDICAL EXAMINER

INSURANCE AND REAL ESTATE

PROMPT AND EFFICIENT SERVICE

D. P. MILLER & CO.

No. 1 North Liberty Street

CUMBERLAND, MD.

HUMBIRD SUPPLY CO.

MILL, MINE, FACTORY, RAILROAD

AND PLOMBERS

SUPPLIESCumberland, Md.

H. U. F. Flurshutz & Son

Nos. 15 and 17 N. Centre Street

DEALERS IN

Fine Furniture, Rugs, Stoves

and Phonographs

CUMBERLAND. MARYLAND

lu sim:h.*s iti 11.1)1 N(;THIS bank will assit any man nf business

eaiiacity to build up a profitable businessin Cumberland. There are many ways

in which a j>;ood bank like the Third NationalBank can help you. This help will be extend-ed in such a way that you will be able to getbetter results from you own efforts

We have character, the organization, thee.xperience, the iejial safeguards and financial

responsibility to give the soundest and mostffhcient service to the business community.As a depositor here, you have the full benefitof this equipment to help you in any legitimateway in the building uj) of your business.

THE THIRD NATIONAL BANK OF CUMBERLAND

McMULLEN BROS.||\C()K1'(IK A III)

CUMBERLAND - MARYLAND

DEPARTMENT STORE

..MERCHANDISE TO YOUR SATISEACTION..

Courteous and Efficient Service

lUJV HKAT NOT \VKlCiirr

C OAT.Till: iti:!-i'r lou x.vi.i: n\

cuMiJi:Ri.A>«nci:i\ii:ivT

CO.

I < > M-; Ti:i.i:iMi«»Ni:

I N7

N\ \ K i:inn ."î; i: .v. w \i.i,v< i; wT u i: l•:•^^> N 1 \ I ; \ \ I 1 I > -- I I ; I I I 1 1 1 ,• I I X . I

F. T. HORMESSECRETARY

RELIEF DEPARTMENT

JOHN E. H. RINE .

SUPERVISOR

PRINTING PLANT

Dr. WILLIAM SCHULZEMEDICAL EXAMINER

Dr. L. K. woodwardspecial medical examiner

POTOMAC AUTO SUPPLY COMPANY

Eastman Rebuilt and Elnnan Tires

86 NORTH MECHANIC STREETCUMBERLAND. MARYLAND

Watchmaker and tngraver

Railroad Work a Specialty

11 N LIBERTY STREET CUMBERLAND. MO

CUMBERLANDS OLDEST BANK

FIRST NATIONAL BANK137 BALTIMORE STREET

CUMBERLAND, MARYLANDTHE OLDEST BANK IN WESTERN MARYLAND

FOUNDED 1811

HENRY SHRIVERPRESIDENT

J. L GRIFFITHVICE-PRESIDENT and CASHIER

DIRECTORSBENJ. A. RICHMONDHENRY SHRIVER

GEORGE SCHWARZENBACHISAAC HIRSCHJ. L. GRIFFITHWM PEARRE

LESLIE L HELMER

Our business methods are the outgrowth of ONE HUNDRED AND SEVEN YEARS'experience, supplemented by the advice of the leading business men

who have at all times constituted our directorate

TRANSACTS A REGULAR BANKING BUSINESSPAYS THREE PER CENT. INTEREST ON TIME DEPOSITS

DESIGNATED DEPOSITORY AM) FINANCIAL AGENT OF THE UNITED STATES

SHOP AT

Rosenbaum'sCUMBERLAND'S

Biggest Best Store

C. F. KEYSERHIGH ART TAILORING

35 N. CENTRE STREET

CUMBERLAND, MD.

Fire, Life, Health and Accident Insurance

HONDINt; A SPKCIALTY

Homes Sokl on Convenient Terms

Cowden & Zihiman

TIIIKI) NAllONAI. HANK lU il.DlNt;


Sri.lNW A'S l>l \ N< »^ KN Mil

W. F. FREDERICK PIANO CO.

,17 .U» liAlilMOKK SIKKKl

CUMBERLAND - MARYLANDN l< 'IWOI. V>-i Niclow Ki;< ounv.

U)

o 2m |||

7.

-A

n -n

n> H-1 X

mz DnI < rm uS) cc Hrr m 2< o mt: o :oc o rn3) zZ NU) m uJ- ±mD >

z HCD K O-< &5

::o

M "n >I'l Tlr' H Tm I mn

2D

n o Mm OD> <71 mH >^ 7i

m U)

z >

F. S. JOHNSTON DRUG CO.

FOUR REXALL STORES

Elkins, Davis & Parsons

Send Us Your Prescriptions and Drug Wants

..PROMPT SERVICE..

The Davis National Bank

PIEDMONT - WEST VIRGINIA

Capital - - $.S0,000

Surplus - - $.50,000

3 Per Cent. Compound Interest

on Savings Accounts

THE OLDEST BANK IN PIEDMONT

Your Account Solicited. Large or Small

THE UNION SUPPLY COMPANYELKINS, WEST VIRGINIA

Doing the largest business in Elkins.

A West Virginia Corporation upon Co-Operati\ e Basis.

iCARRIES A FULL LINE 0F=

Groceries, Fresh Meats, Produce, Dry Goods,

Shoes, Clothing and Everything for the Home

The Store where most of the Railroad Men buy.

Authorized Capital $20,000.00

PEOPLES HARDWAREFURNITURE COMPANY, Inc.

WHOLESALE AND RETAIL

COMPLETE HOME FURNISHERS"Third Street and Henry Avenue

ELKINS - - WEST VIRGINIA

kk

^j^B Tdti Sm^mi] ^yj WmxBjf

Are you a self-starter? The turning point in many a man's life is when

he becomes a SELF-STARTER. Don't wait. Push your button and start

being thrifty. Have a plan. Habitual thrift is ai great improvement over

occasional thrift. Unless a man can trust himself to keep up a schedule of

saving by sheer effort of will—and few of us can—he should adopt an auto-

matic saving plan, or "Thrift at the Source." This is what we all need to

help us save money. It sim])ly means that a certain sum is deducted from

wages and credited dii'ect to the Savings Depository.

The man who deposits a regular amount on a regular day, and NEVERFAILS, is a better saver than the one who makes a fairly large deposit

one daj', then neglects his account for a long period.

This is the whole secret of saving—BE SYSTEMATIC. It's very simple

isn't it?

The average person will admit that he wishes he could save, that he

knows he ought to, and that he could if he really tried. If you are married

talk it over with your wife.

You will not miss that small sum regularly deducted from your earnings,

but the time may come when it will mean the difference between failure and

success.

If you want to know true satisfaction and securit3% join the army

of Savings Feature Payroll depositors today. This army is a thousand

strong. Ask, them if they have seriously missed the deductions that have

been made from their wages for credit to their Savings Accounts?

One of our oldest employes writes:

"It is the best and easiest way to save tbat I have ever known.

I am very grateful to those who made tliis possible."

Does 6 per cent, look good to you, backed up with assurance of the

integrity and safety of the funds?

Write to superintendent at Baltimore, or mention it to any official

of tlie Company, any Medical E.xaminer of the Department, or any mejnber

of the General Committee.

MARTIN'S DRUG STORE

LET US SUPPLY YOUR DRUG WANTSAND FILL YOUR PRESCRIPTIONS

77 BALTIMORE ST. CUMBERLAND, MD.

DO YOUR TRADING AT

KLINE'SUNDERSELLING

DEPARTMENT STORE

BARGAINS TO OFFER YOU

EVERY DAY

Everything in Wearing Apparel for

Every Member of the Family

47-51 BALTIMORE STREET

CUMBERLAND, MD.

L. E. LONGSTAPLE

AND

Fancy Groceries

"A Fair Deal To All"

RIDGELY, W. VA.

GEORGE VANG, President J. C. SHRIVER, Secretary-Treasurer

C. LOUIS VANG. Vice-President and General Manager

THE VANG CONSTRUCTION COMPANYGENERAL CONTRACTORS

MAIN OFFICE: 20-22 THIRD NATIONAL BANK BUILDING

PHONES: 2728-2729

CUMBERLAND MARYLAND

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W. R. E. KINGM \M I \(. II HI H ()l

BARRELSAPPLE BARRELS A SPECIALTY

All Kinds of Slack Barrels

263 NORTH CENTER STREETCUMBtRLAND. MARYLAND

TELEPHONE 1233

Wm. T. SiglerCONTRACTOR AND BUILDER

Planing Mill Builders' Supplies

M ivi: - M Alx•^ÂM>

DAVIS SUPPLY COMPANY

GENERAL MERCHANDISE

DAVIS W. VA,

JAFFY COAL MINING COMPANYMINI KS \M) sllll'I'KHS

Georges Creek Big Vein Coal

Bakerslown High Carbon Domestic and Steam Coal

Freeport High Carbon Steam Coal

Mines on Western Maryland R. R. Shaw. W. Va

SALES OFFICE

814 PENNA. BUILDING PHILADELPHIA. PENNA.

JOHN MARTIN..Marble and Granite Dealer..

LOCK BOX 27

PIEDMONT - WEST VIRGINIA

WILLIAM A. ARNOLDATTORNEY-AT-LAW

Room 9, Fair Co. Building

ELKINS. W. VA.

"EQUIPPED WITH DUPLEX STOKERS"

The work of the ten heavy Mallets on the Western Maryland equipped with

Duplex Stokers is only one example of the benefits of perfect mechanical firinjr.

Duplex Stoker.s are obtaininjr maxinnmi haulinjif power from Mikado. Santa Fo,

Consolidation Mallet, Mountain. LJocapod and Pacific locomotives on all the

principal American railroad systems.

in America and abroad Duplex Sloker.s are doiny: the best work with the

least physical effort on the part of the firemen.

More than 3,800 Stokers on 60 Lines

LOCOMOTIVE STOKER COMPANYNew York Pittsburgh Richmonc Chicago

J. M. HOODPRESIDENT-WESTERN MARYLAND

1874 - 1902

Mr. Hood who was President of the Western Maryland for nearly thirty years,

might well be called the father of the road. By years of indefatigable effort,

undaunted by the many obstacles placed in his path, and with a corporation never

free from financial embarrassment, Mr. Hood built up a railroad system which

not only became a valuable factor in the development of Baltimore's trade, but

which was regarded sufficiently high by the Gould interests, to attract their millions

in its purchase and consequent development.

Mr. Hood's life work was the building up of the Western Maryland, and his

memory is held in the highest esteem by the hundreds of Western Maryland menwho labored faithfully and unceasingly under his management.

The employes of the Railroad through its Relief Department, take this oppor-

tunity of paying tribute to the memory of Mr. Hood.

EYES EXAMINED BY REGISTERED OPTOMETRIST^

W. H. H. NEEDYJEWELER AND OPTICIAN

HAGERSTOWN, MD.

W. M. RAILWAY

OFFICIAL TIME INSPECTOR FOR

N. & W. RAILWAY THE H. & F RAILWAY C. V. RAILWAY CO.

Velvet BrandIce Cream

UNION MADE

HAGERSTOWNICE CREAM CO.A. H. MUMMA. Prop

Res. 80S Mulberry Ave. Office & Yard 5<1 W. AntietamSt.C. & P. Phono 175S r * P Phone 1115

JOHN W. ROHRERAntlirai'itt', Biluminuus and roiahuiUas Coal

Charcoal, Sawed and Split Wood

HAGERSTOWN. MARYLAND

J. CLEVELAND GRICE

ATTORNEY AT LAWHagerstown - Maryland

i\

...INSURANCE...

SAFETYSERVICESATISFACTION

HAGERSTOWN, MD.

H. K. POWLES C. & P. Phone 98 » 99

C. J. I'OWI.KS r-i-rl Phnnr I'J

EMMERT HARDWARE CO.DKAI.KRS ANI> JI)BHKR.< IN

Hardware. Agrkullural Implcmenls. Paints. Oils. Class. Pumps.

Roofint!. Harness. Seeds. Builders Supplies.

63-65 W. WashinKton St H.ii.crMo« n. Md

HOTEL MARYLANDMARYLAND DINING ROOMS

s I : u \ I ( i: < < > M 1 < Hi v

HAGERSTOWN - - MARYLAND

WINSLOW S. PIERCEPRESIDENT

1902 - 1907

F. S. LANDSTREETVICE-PRESIDENT

1902 - 1907

B. F. BUSHPRESIDENT

1907 - 1911

A. ROBERTSONGENERAL MANAGER, 1905 - 1911

PRESIDENT, 1911 - 1913

l»Iii:!SI < >N IIAUMAN

i:i,lvlN«, \\ . \A.

^11 I' M I UK INHIU.VXK « <>.

Dr.L.J.PARMESANO...I)i:n'i is'i ...

Complete X-Ray Equipment

Room 10 Heavner Building ELKINS, W. VA.

E. A. BOWERSATTORNEY AND COUNSELOR AT LAW

COUNSELWESTERN MARYLAND RAILWAY COMPANY ANDVOL RELIEF DEPT WESTERN MD R R CO


The Mode MillineryMISS RUSSELL SAYRE, Proprietor

112 THIRD STREET

ELKINS - West Virginia

THE BEST EQUIPPEDAND MOST UP-TO-DATE

Ci/i\ T^ A CV?ii^ i^

N WEST VIRGINIA

TWO FLOORS27,000 SQ. FEET FLOOR SPACE

OPPOSITE NEW POST OFFICE

ELKINS WEST VIRGINIA

CLOTHING, HATS,SHIRTS AND SHOESCOFFMAN

SELLS IT FOR LESSELKINS - W VA.

ghr JFair (Cnmpauij

The Dry Goods Department Store

ELKINS. WtST VIRGINIA

EATELKINS BAKERY Ql'ALITY HKEAI)

MADE AND BAKED CLEAN

SOLD AND DELIVERED CLEAN

H. T. Conner. Prop. ELKINS. W. VA.

F"urnishfd Rooms Open Dav and Ni^ht

CITY HOTEL AM) KESTALKA.NTEl'ROPEAN IM..\\

Mi:.vi.!-< .wi) I.I N< iii:>^

J W POLING. M«r.«g.r

22H DAVIS AVENUE ELKINS. W. VA.

J. M. FITZGERALDPRESIDENT

1913 - 1914

S. ENNESGENERAL MANAGER, 1914 - 1918

GENERAL CHAIRMAN. GENERAL COMMITTEE 1917 - 1918

/ Write Insurance That Insures

W. R. CROMWELLINSURANCE, REAL ESTATE AND BONDS

Nothing But Old, Strong Established Companies Represented

FAIR COMPANY BUILDING - ELKINS, W. VA/ Render The Best Service

ElkinsLaundry Co

ELKINS. W. VA.

*.,««5,nii^ p, E. CLARK. Managei

A. SPATES BRADYMINER AND SHIPPER

Roaring Creek Big Vein Coal


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ELKINS NATIONAL BANKi:l,kin!s. \vi:sr nircjima

Accounts

Solicited

B/ L Drafts

a

Specialty

CAPITAL AND Sl'KI'I.lS

$180,000.00

DAVISTRUST COMPANYELKINS WEST VIRGINIA

CAPITAL AND SURPLUS, $450,000.00

Does General Banking and Trust Business

Western Maryland Railroad Officers and Employes

in Military and Naval Service During

The World War

1D17 - 11)18

Abey, H. S. Allen, F. L. Arnold, W. A.

Adams, Thos. T. Alsip, H. L. Arthur, R. A.

Albert, Charles Adams Aman, E. J. Artz, M. C.

Albright, W. G. Amick, Marshall Asbury, John S.

Alders, Webster Arbogast, Kora C. Atkinson, J. ScottAlderton, Thurman Armacost, H. W. Avers, C. 11.

Babylon, J. E. Bergman, 11. S. Boyd, J. E.

Baetjer, Dr. F. H Bergman, J. W. Boyer, L. S.

Baird, W. R. Biershing, A. H. Boyles, P. L.

Baker, H. E. Billard, F. J. Brady, C. L.

Baker, P. J. Billman. C. A. Brandt, H. M.Baker, R. M. Binkley, W. C. Branin, Dr. C. N.Ball, B. R. Biser, E. L. Brant, Chas.Bankard, L. L. Bissett, L. E. Brechbill, Ambrose N.Barley, C. Bittner, J. F. Breeden, B. W.Barmoy, N. H. Black, W. G. Breighner, M. B.Barnes, M. L. Blackburn, R. C. Brieckbill, A. V.Barrett, W. Bobo, C. E. Brillhart, Roy I.

Barron, Thos. J. Bohrer, E. L. Broome, J. Wm.Bartlett, P. Bonnell, B. R. Brown, J. W.Bates, J. K. Boor, J. 1.1. Browning, E. G.Beachley. Eli G. Booth, Opha Bruck, F. C.Beard, R. H. Booth, Reid Buchannon, C. W.Beard, R. R. Boward, F. F. Bull. V. T.Bedea, Clark Bowen, Clarence H. Burke, R.Bender, C. O. Bowen, R. Burkhart, R. W.Bennett, L. O. Bowers, W. K. Burnett. Holland H.Bentz, Jos. Boyd, D. L. Buskirk. M.P.ent>:, W. A. Boyd, E. M. Byers, D. H.

Cadwallader, V. C Chapman, D. W. Coover, J. E.Calloway, D. E. Chase, Vernon M Corder, PaulCampbell, H. B. Chen, A. G. Corderman, Roy C.Campbell, W. E. Clair, L. Cormany, A. H.Campbell, W. G. Clark, E. E. Cormany, Bishop P.Cantner. J. E. Clark, J. A. Cornwell, C. E.Cantone, Joe Clem, J. E. Cosens, C. A., Jr.

Carl, B. Harrison Cline, R. D. Cost, A. E.Carmichael, John Cline, Victor Couchman, H. W.Carney, Jos. I. Clise, John Cowherd, Dr. J. K.Carpenter, David Coffroth, Wm. B. Crabtree, W. P.Carr, Abe Cofiell, F. Newell Crawford, A. B.Carr, H. F. Collett, Geo. Crawford, H.Carr, P. O. Conley, Edw. S. Creegan, E. F.Casanova, Arturo Y., Jr. Conley, V. D. Cressler. H. S.Cave, L. M. Cook, A. G. Crim, W. A.Cave, Holder Cook, E. Cross, H. V.Chambers, J. A. Cook, E. A. Crout, M. M.Chandler. Lon Cook, R. B. Crump. M. J.

Chaney. H. R. Cooper, F. B. Curran. T. H.

Dailey, S. F.Daley. X. O.

Danahy, \V. J.

Daiiner, David U.iJavenport, J. F.Davis, t'. G.Davis, HomerDavs. L. R.Davis, L. S.

Davis, Dr. N. R.Davis, SamuelDavy, F. S.

Dawson, C. E.Dawson, C. L.Dawson, II. C.liawson. H. \V.

Dayton, F. J.

Deekman. Henry C.Deems, \V. E.Defibaugn, R J.

Dell, RussellDelphy, ErnestDennison, J. W.Dick, R.Dietz, H. H.

Diffenbaugh, Cbas. L.Dorsey, Edw.Dougherty, L. J.

Dowling, E.Doyle. H. (l

Doyle, WalterDressman, G. A.Dressman, H. N.Drurv, W. P.Dull, H. L.Dunn, F. L.

Durham, W.

Kdenhart. C. E.Kilwards. Halvin L.

K(i wards, S.

t:ilman. W. H.Emerick, E. C.

Evans, H.Everitt. W. A.

Faust, J. R.Ferguson, D. T.

Keinsner, Paul R.Finfrock, I. R.Fink, J. F.Flater, Charles R.

*Flechtner, Geo. A.Flynn, R. E.Fogle. Earl T.

Fogle, J. D.Foice. .1. H.Ford, E. A.Forsythe, C. H.Forsythe. J. A.Forthman. L. K.Foster, Albert F.Foy. Roy C.Francis, H. M.

Fredlock, Dr. A. M.Fieeman. W. A.French. \V. L.

Frey, C. E.Friend. O. F.Friend. Roy T.Fritz. H. G.Fritz. RalphFunk, .lohn

Gadd, F.Gaither, F. P.

Galligher, F. E.Galligher, Geo.Gait, Geo.Garnand, A. E.Garrett, J. W.Gehr, C. E.Geiger, Geo.Gibney, L. E.Gibson, J. E.

Gillespie. J. J.

Glynn, Ezra*Godwin. DailyGoode, S. P.Goodrich. S. W,Gorden, F. J.

Gordon. L. W.Goss, B.Gouchenour. R. M.Grable, H. O.Greaver. H. L.

Green. Albert E.

Greenland. H. E.

Grimes, C. A.Grimes. W. E.Grimm, C. B.Groves, E.Grove, FrankGruber. I. E.Gruber. John F.Gum, ClydeGutelins. E. X.Guye, L.

Hager, E. N.Hager. J. H.Halin, H. H.Haller, Ellis

Hamilton. W. L.

Haney, .JamesHarbaugh, F. A.Hare, H. A.Harmison. R. W.Harmon. O.Harner. .J. E.Harpel, H. E.Harper, R. F.Harris, H. LHarris, M. F.Hausnian, W.Hawkins. Walter E.

Hayes. John R.Hays, O. R.Haywood. A. M.Heagaman. E. J.

Healy. M.Heemaii. Walter W.Henry, ("has.

Hewes, Harry P.Hewitt. E. R.Higgins. A. B.

Hiles, F. E.

Hilker. C. L.Hines, Howard D.Hlte. J. KHoffman. A. R.Hoffman. C. J.

Hoffman. Dr. C. W.

Holler. R. R.Holter. H.Hoover, A. D.Hoover. M. S.

Horchler. A. .A.

Hornick. Eli

Horst. L. E.Hostettler. IvanHouck. P. T.House. J. F.Hubbs, L. B.

Hudson. C. H.Hues man. W. J.

Hull. Edw. D.Hull. J. X.Hutchins. Dr. A. F.

Ib.'X, K. O. Ihlefoldt. R. F.Ingram, \'. P.

Ingram. W. C.

Jack. L. C.Jackson. W. O..lankins, Carl.lenkina, PlevyJenkins, William A.

Jessop. Xorman LJoder. E..lohnson. Carroll.lohnson. E. A.lolinson, L. R.

Jones. Edw.Jones, M. L.

Jordan. S.

Jordan. W. R.

Kalbaugh, Dr. A. B. Kendall, Corsie Kline. B. M.Kavanagh, Frank Kerfoot, H. C. B. Knecht, Vernon L.

Keefer, Geo. Kerns, F. C. Knight, B. M.Keim, Charles C. Kienhofer, R. W. Knisely. C. B.

Keiser, G. King, Percy E. Koegel, R. C.

Keller, C. P. Kinnear, R. M. Kramer, E. W.Kelley, C. K. Kinser, G. O. Kreglo, W. E.Kelley, J. A. Kirby, Geo. Kreps, L. L.

Kelly, Charles Kittle, JohnKittle, S.

Kruggs, R. N.

Lakeman, Morrison Leibow, Paul Little, S. E.

Lamar, C. T. Leonard, Robert Littlefield, Dr. J. R.Lambert, C. L. Leppo, J. E. Long, F. W.Lampe, T. P. Leshin, I. Long. J. E.

Lanich, Dr. L. J. Lewis, Emmett Long, J. L.

Lashley, Chester Lewis, Guy Long, N. T.

Lau, Geo. H. Lible, E. E. Long, O. C.

Lawson. E. M. Lichliter, E. E. Long, S. W.Leach, J. W. Lichty, Dr. Bruce Long, Thos. F.

Lease, T. W. Liggett, Dr. B. L. Loose, S. M.Leath, Robert Linderman, J. Lowenstein, J. F.Lee, Jos. A. Lindner, John A. Lowman, M.Lee, S. Lindsay, C. R.

Little, C. B.Lucas. G. W.

MacCubbin. Herschel IL McCarty, O. H. McGinley, J. L.

McAbee, Louis A. McCauley, John McGoughran, Wm. H.McAfee. J. R. McCaulley, Edgar L. McKane, S. R.McAfee, 0. C. McCloud, Wm. McKenzie, E. S.

McAllister, G. W. McConnell, C. E. McNeal, Michael TMcAnthony, E. S. McCormick, E. J. McQuade, Morrison G.McBee, J. N. McCrossin, J. G. McVean. D. M., Jr.

McBee. R. C. McDonald, C. W.McDonnell, James J.

McWhirter, J. J.

Maclay, Dr. Jos. P. Meredeth, V. K. Monnett, J.

Maguire, C. J. Meyers, W. B. Moore, ClydeMaier, E. Millburn, Hilra Morgan, R.Mallory, W. H. H. Miller, Charles Morris, H. E.Mardorff, W. T. Miller, E. H. Morris, R. D.Markel, M. C. Miller, E. L. Morrison, John G.Marshall, W. W. *Miller, F. W. Mose, LeRoyMarten, L. P. Miller, George Keefer Mulligan, J. H.Marteney, Carl E. Miller, L. Mulligan, W.Martin, E. A. Miller, Paul M. Murphy, C. D.Martin, J. A. Miller, W. E. Murray, Dr. F. A. G.Martin, J. C. Miller, W. L. Murray, S. D.Martz. J. H. Mills, F. C. Murray, W.Matchley, E. Minke, A. F. Myers, C. J.

May, Joseph Minke, A. T. Myers, Dr. C. W.Mayhugh, L. H. Mitchell, C. L. Myers, Elmer EllsworthMeehan, J. J. Moats, G. W. Myers, E. M.Meehan, I. N. Mody, Dallas Myers, I. C.

Naylor, Jacob Noel, B. I. Nusbaum, HarryNewcomer, Gorrell V. Noel, R. R. Nussear, H. A.Nite, John Noyes, Garth A.

Nunamaker, K. P.

Nutter, W. T.

O'Baker, L. F. Operes, P. Ott, J. E.O'Niell, H. P. Owens, Dr. H. K.

Parker, H. A. P.tz, H. A. Pope, RandolphIîirsons, E. H. Piiillips. Bruce Pope. WalterPartridge, J. A. Pifer, C. S. •Porter. M. E.Pase, Olen {". I'iank, W. E. Pouder. G. HarryPase, Oscar C. Plyler, S. F. Powell. RussellPatterson. R. W. Pohl. Walter F. Pownall. H. W.Patton, J E. Poland, E. Price. E. V.F'augh, R. Poling, Fred. S. Pulley, G. W.Penner, L. L. Poling. W. A.

Rabenstine, W. J. Ridenour, J. L. Roschen, H. 11.

Racey. C. C. Rider. W. G. Rose. H. W.Haines, L. 0. Ridgely, D. C. Roser, M.Itaines. O. B. Ridgeway, C. L. Rosier, JoshuaRakestraw, J. E. Riefle. C. Everett Roth. S. M.Ramey, J. R. Ringer. G. E. Rousch. J. E.Recher, C. C. Rizer. L. J. Routson, H. L.*Recher, G. W. Rizcr. T. G. Rouzee. O. D.Reed. J. H. Robinson, Edmund G. Rowan. E. A.Reid. C. E. Robinson, L. B. Rowan. John T.Reigrut, J. B. Roby. Edw. A. Rowe. ClydeReisner, P. W. Rockwell, E. H. Royer. D. S.Renz. E. E. Roherbaugh, J. S. Ruhl. Harry McKinleyResh. J. E. Rohrbaugh. P. M. Ruley. T. A.Rexroad, C. B. {{ohrbaugh, R. C. Rumel. M. JRice, W. R. Roman, E. J. Russell. J. F.Richmond, .1. L. Roman. Jos. Ryan. C. E.

Sadlick. R. J. Sloan. C. S. Spalding. J. L.Sanders. L. C. Slonaker. F. J. Spangler. E. K.Sapp. J. A. Small. X. A. Spangler. W. R.Schade, C. H. Smeadley, R. Spriggs. W. P.Schildt. Ed. Smedley. T. G. Stafford. J. T.Schildt. E. R. Smith, A. Stalnaker. GuySchneider. H. Smith, C. E. Stambaugh. X. B.Schunian. G. A. Smith. C. L. Stamm. M.Schweitzer, R. E. Smith. C. R. Stanley. E. V.Seery. T. J. Smith. E. Steever. Geo. W.Soibert. W. C. Smith. E. G. Steffy. Edwin T.Seiford. J. C. Smith. Geo. Steiner. G. K.Settle, r. a. Smith, J. D. Stppenek. Anthony J.Shackelford, W. N. Smith. J. P. Sterner. Wm. C.Shafer, F. Smith, J. R. Steward, C. M.Shaeffer, F. W. Smith. K. E. Stickley, J. S.Shaffer. A. L. Smith, L. Stiemke, Rudolph G.Shaffer. Dr. F. B. Smith, M. E. Stitely, E. B.Shaffer. G. O. Smith. N. E. Stokes. W.Shaffer. L. A. Smith. R. C. Stone. J. C.Shaffer, L. F. Smith. Scott Stoneburger. O. M.Shank, F. A. Smith. T. B. Stoner. Clarence H.Shank, R. .1. Smith. W. R. Stottlemyer. G. X.Sharrett. Dr. G. O. Snead. Jack Slot tier. \V. H.Shcafer, J. H. Snyder. B. F. Sfonffer. C. M.Sheffler, E. M. Snyder, Clinton Strebrick. H.Shcnski. II. ,1. Snyder, J. G. Stroop. J. A.Shifflor. If. 1. Snyder, J. L. Stroop. S. C.Shi(l.-tt. Cloni.s L. Snyder. L. M. Stullor. JohnShinctI, Richard H. Snyder, Roy Summerfiold. S. E.Shue, Alvin Snyder. R. B. Summers. J. F.Sluinian, .1. C. Snyder. R. E. Swain. George B.Simmers, .loiin \V. Snyder, Thomas J Swearinger. A. L.Sinsfl. Lloyd Soiled, H. A.

Somma. TommassoSwitzer, John S.

Tanasker, Geo. Thomas, H. B. Townsend, PaulTawney, Howard Thomas, R. E. Travis, J.

Tawney, James Thorwald, Peter L. Tressler, Milton H.Taylor, Grover C. Thrasher, N. D. Troutman, R.Teeters, L. S. Toms, W. A. Turner, HowardTenney, John R. Towers, E. E. Twigg, G. W.Thomas, E. M.

Uhler, M.

Tyree, Howard

Viar, Jas. H.-

Yogelman, J. H.

Wade, C. J. Welsh, T. R. Wilson, C. E.Wagner, F. Wentz, H. A. Wilson, C. W.Waldeck, C. F. Westine, Ernest J. Wilson, ErnestWallis, R. J. White, J. E. Winbourne, B. W.Walsh, Frank Whitehead, D. E. Wine, J. F.Ward, J. S. Whitman, F. W. Wineow, H. T.

Ward, Paul Wiley, A. Wiseman, Edw. P.Ward, Raymond J. Wiley, Mike Wisner, A. V.Warring.Dr. Frederick C. Wilfong, Oliver F. Witt, Geo.Watson. H. R. Wilhelm, C. T. Wolfel, E. 0.Watts. Howard Williams, G. A. Wolfinger, W. C.Weagley, S. E. *Williams, John E. Worthington, L. G.Weakley, W. F. Wilmot, G. P. Wright, R. V. L.Welsh, E. E. Wroth, Dr. Peregrine, Jr.

Yates, B. F. Yeakle, I. W. Youngblood, H. R.Yates, Wm. Yingling, J. E. Youngblood, W. W.Yeakle, B. H. Yingling. R. A. Youngblood, Wiley

Zang, John E. Zepp, Lester I. Zimmerman, J. M.Zeiler, C. E. Zimmerman, Dr. I. M. Zink, Geo.Zeller, D. T.

* Paid the supreme sacrifice.

Zinkant, J. S.

A I >('|i:i I'l iiiiMi I lii-jil liin-- ;iil\iscs Ills slall':

"I wish to call ymir attciil inn in Mi-. Slriii^fr's U'ltcr nf 1 •t'ci'iulKT

TJtli. statin;.' that an extra dividcml of •_",; for l!il!) had Immmi allowiMl

on all inlcrcst-lx-ai-iiijc accounts as of 1 )('ccnilK'r .'list. l!ir.>. whidi meansilic paynicni of i>'

'r . wliicli ccriainly is very ;;ratifyin;;.

"As I lia\c ali-cady told you all. I consider the Savings Feature

of The \(ilinitary Uclief I (epartnient of Western Maryland Kailway

Coniiiany one of ilic l>cst places to put your money in Kaltimore ("ity.

and I cannot emphasize too ^rrcatly the lienefits that you will di-rivi'

froni lia\in;i accounts therein."

One (if out- (Icpositofs passes the tollow iui; lioiKHicI :

"I am in receipt of copy of ynur uencral letter of the llith in-ilant.

ad\ isini; that the Ivxecutivc Committee has just declared an extra divi-

dend of 2''r. makini; the tolal interest to lie paid on deposits f(ir l!H!l

<i per c( nl.

'I'his is \ei\- uralit'yini,'. and you are ceilainly lo he collKratulaled

niion the line .-hnwini: you have nnide."

A liicMil siiys:

'Vou arc III he mor,' ihan coui,'ra tula led for ymir untiring; etforts

pni forth in making the Relief Kepartnient what it i~. known to he amircco;,'iii/.ed as sucli hy all the emiiloyes on the sysicm a department

that tries lo jileax' its jiairons."

AiHillici- I)('|i;if1iii('iil Im'jhI siiys :

"1 am in receipt of youi' notice of liecemher iL'lh of the extra divi-

dend of '2',', on l!tl!» saving's, anil will he ;,'hid to ;rive the ;;lad news to

the clerks in this utlice. It is. indeed, a "sonree of deep ^ralitieatioir

lo me and. I am sure. ii> all oihcr d<'posi|ors in the Savinirs l-"eature."

< (lie ut Ihc ui'iieliil (dlicels seems |il('II\ well s;ilislic(| sec wlllll lie s;iys

"I hcL.' t(i ackiiow leil;;e receipt of youi- letter of the I'Jih. advisin^l

Ihal at a meeliiiK of the l''.x<M-ulive Committee of the N'oluiitary Kelief

Ueiiaiimeid an extra diviileiid of _"', fer 1!>1!I was diM-lared. which means

that (i'/f will he p.'ijil nil .'ill dcpnvjis fur Ihr year.

"I wani lo cunirralulatc ymi on the showini; ynii ha\e made, and I

.1111 îire that everyone is picavrd w iih the cxcclh iii manner in which youare hanilliiiL' the alTairs nf the Kdicf •! icpartment."

An oi'fict'V riiiploying quite a iminber of men writes tlieni as follows:

"Vou will noti' thiit this is a very ujood investment for anyone desiv-

inj; to take advantage of the Savin;,'s Feature of his Department, and it

would be of mutual interest if you would open aeeount with his Depart-

nieid foi' depositiui; your saviuLcs."

The following shows he is Irving anyliow. and lie ap])feeiates the advant-

ages we ort'er

:

"I iruess you thinlv that it's no use of me tryin;^ to save anything.

as I am drawing it out as fast as I put it in the Savings Featiu-e, but

that UKrney has e(>rtainly helped me out. when if I didn't let .vou take it

off my earnings I would not have it. I do not want to draw any moreout till spring, anyway, jn-oviding I have steady work. The two weeks1 was out of worl< on arconnl (jf miners' strike put me liaek some."

Many letters similar to the foregoing are received from time to time.

They are from yonr fellow workmen. They are trying to get ahead, andwrite impressively and serionsly of their appreciation of the Savings Feature.

CLARENCE F WALKER Bt-ll Ti-k-phom.- 611

S|K-oiul Itailway Dcpt. RepreHcntstive

LANDIS & LEFEVRE...INSURANCE...

Accident, Health, Life, Automobile

and Fire Insurance

Rooms Nos. 308-309 First National Bank BIdg.

HAGERSTOWN, MD.

CAP PHONE 15B2

Jraiik 1\. JWi^Mc!uUIff

Tailor For Men

N. W. Cor. Public Square. Over Central Drug Store

HAGERSTOWN MD.

When in Hagerstown, Md.. Stop at

^y..W^>^ (The ilaauuir Jw\A

i0lB^MW The Newest

i^v''"' '

'^ The Only Fireproof-^ -^-^ ^ ^'

'i^v^- The largest In The City

GREETINGS FROM:

THE CHAMBER OF COMMERCEHAGERSTOWN, MARYLAND

OUR MOTTO

''Malting Hagerstown a Better Place in Which to Live'

D. C. Aughinbaugh & Son

Prescriplion and General Druggists

BOTH PHONES

54 West Washington Street

HAGERSTOWN - MD.

ESTABLISHED 1842

Sing Beautiful Songs

Listen to Fine Music

M. P. Moller & Co.

Dagmar Building

ll.\(,i:KSr()\V\ Ml).

The Voluntary Relief Department

. . . OF . . .


THIRD ANNUAL REPORT

. FOR THE .

.

Year Ended December 31st, 1918


FRIENDOF THE

REL EF DEPARTMENT

This space contributed

by a

FRIEND

of the

ReUef Department


FRIENDOF THE

REL EF DEPARTMENT

The Voluntary Relief Department. . . OF . . .


GENERAL COMMITTEEM. C. BYERS, Chairman, (ex-officio)

REPRESENTING THE RAILWAY COMPANYF. C. Uhliuan (iencral Auditor Baltimore. Mil.

A. M. Smith SuperinteiKk'iit Hagerstown. Mil.

A. Williamson Suporiiiteiideiit Cumberland, Md.C. A. Steiner Assistant to General Manager Hagerstown, Md.(t. F. Wieseokel Supt. Maintenance of Etiuip. Hagerstown, ild.

H. R. Kight Master Mechanic Mar.vland Jet.

P. Cain Division Engineer Cumberland. ^Md.

REPRESENTING THE MEMBERS EASTERN DIVISION.T. F. Sn.vder Representing Engineers Baltimori". Md.E. O. Donat " Firemen Hagerstown. Md.E. L. Seigman " Conductors Hagerstown. Md.J. W. Messersmith " Trainmen Hagerstown. Md.H. M. (ilass " M. of E. Dept. Hagerstown. Md.J.N.Martin " M. of W. Dept. Cherry Run,AV.Vu.J. J. -Doyle

" Agts, Clerks, Etc. Baltimore. Md.

REPRESENTING THE MEMBERS—WESTERN DIVISIONJ. (J. ( »'C(iinior Representing Engineers Elkiiis, W. Va.J.A.Evans " Firemen Ridgel.v. W. Ya.J. Buskirk " Conductors Cumberland. Md.E. Sleeth " Trainmen ElkiiLs, W. Va.J. R. Yeager " M. of E. Dept. Thomas, W. Va.D. T. Lechliter " M. of W. Dept. Cumberland. Md.W. H. Gill " Agts. Clerks. Etc. Hendricks, W. Va.

EXECUTIVE COMMITTEE.M. (

'. levers. Chairman

REPRESENTING THE REPRESENTING THECOMPANY MEMBERS

F. C. Uhlman J. BuskirkA. Williamson J. W. MessersnnlhC. A. Steiner W. H. Gill

OFFICERSW. T. Stringer Superintendent Baltimore. Md.L. F. Timmerman Treasurer New York, N. Y.

F. T. Hormes Secretary Ballimore. Md.E. Oliver Grimes, Jr.Chief Counsel Baltimore. Md.E. I^. Seigman Assistant to Supt. Hagerstown. Md.

MEDICAL EXAMINERSDr. F. C. Warring Baltimore. Md.Dr. C. N. Branin Hagerstown, Md.Dr. J. A. Palmer. Jr. Cumberland. Md.Dr. R. W. Dunham Elkins. W. Va.Dr. Wm. Schul/Ce Hagerstown. Md.

BUILDING INSPECTORS—SAVINGS FEATURET. H. Hoover Baltimore. Md.C. P. Winder Hagerstown. Mi].

H. W. MeElwee Hagerstown. Md.D. T. Lechliter Cumberland. Md.James Buskirk Cuml)erland. ;\I(1.

S. W. Gross Thomas. W. Va.J. G. O'Connor Elkins. W. Va.

r.;illi re. .M.I.. D.'i-ciiil.cr 1. llMlt.

'I'o the Members of

Tlic N'oliiularv Ivclicf 1 )cii;irtiiieiit t)f

Western .Marvlninl Railway Coiiipaiiy.

Tlii- 'I'liiiil .\iiiin;il lu'piMi (»r tlic opera! i(>ii< of your

I >i'li.iii niciu is lici-v'w iili respectfully sultinillcd.

'I'lic I >('parliiieiil's I'mlii jiihI Loss Account for tlie

t\vel\(' months ended l)ecend)er i'.lst. IHIS. is stated hero

with, followed hy coni]tarat ive Income Accounts of the

Kciicr I'cainre and Savinjis I'eature for the years I'.US

and l!il7. wilii explanations of the several ciianges.

DEPARTMENT PROFIT AND LOSS ACCOUNTFOR 12 MONTHS

Ended December 3l8t, 1918

SiTperaunu-Relief ation Savings

Feature Feature Feature Total

Credit balance December 31, 1917. $33,479.35 $52,459.19 $ 700.32 .$86,644.86

Credit balance transferred fromIncome Accounts 712.93 712.93

Funds permanently transferredfrom Relief Feature 10,150.00 10.150.00

Total $33,479.35 $62,609.19 $ 1,419.25 $97,507.79

LESS:Debit balance transferred fromIncome Accounts $.")7.SS.5.62 $ 3,590.84 $ .$61,476.46

Funds permanently transferredto Suiierannuation Feature 10.150.00 10,150.00

Total .$68,035.62 $ 3,590.84 $ .$71,626.46

Debit balance December 31. 1918. .$.34,.5o6.27

Credit balance Deiember 31. 191S. .$59,018.35 $ 1,419.25 $25,881.33

Net Debit for 12 months ended De-cember 31, litis .$68,0.35.62 $60,763.53

Net Cre<lit for 12 months endedDecember 31. 1918 $6,559.16$ 712.93

RELIEF FEATUREStatement of Revenues and Expenses for 12 Months

Ended December 31st, 1918, Compared with Previous Year

Increase or1918 1917 *Deerease

REVENUES:Assessments $113,752.91 $ 98.794.20 $ 14,9."i8.71

Contribution of Ry. Co 11,318.00 9.840.79 1,477.21Interest on Deposits and Accounts 2.3.3.06 19.S.O(5 35.00Interest on Securities owned 1.964.46 2.022.99 * .58..53

Interest on .\dvances 114.54 4.52 110.02

Total $127,382.97 $110,860.56 $ 16,522.41

EXPENSES:General Expenses $ 31,349.47 $ 23,848.61 $ 7.500.86Interest on Bills Payable 446.33 446.33Interest on Advances 6.99 6.99

Benefits

:

Accident Disability 24,590.55 2:3.447.25 1.14.3.30Sick Disability 48.575.25 21.781.57 26.793.68Death 80,300.00 21,000.00 59,300.00

Total $185,268.59 $ 90,077.43 $ 95.191.16

Net Revenue Deficit 57.885.62 20.783.13 * 78,668.75

I>eath Benefit Reserve Ileceinber 31st.. 3,900.00* 3,900.00

REVENUES

ASSESSMENTS

The larîfi- iiimiher ttt' ciiii'lovfs ('ii;;;i;;cil ilniiiig tin-

year with consequent iiieiiil)erslii]> in this DepartMicnl

accounls t'oi- the increase of S14.r)o8.71.

CONTRIBUTIONS OF RAILWAY COMPANYAs iiH'>i' colli riliiil iuiis AH- liascd on iH-rccntagc of

assessniciils the increase in lliis item naturally follows

increase in assessments.

INTEREST ON DEPOSITS AND ACCOUNTS

To soiiiewlial licavicr avcijuf liaiik lialaiiccs jire ilue

increase in this item.

INTEREST ON SECURITIES OWNEDTlic slight ilccicisc in the interest on investnienrs is

brought al)out hy an exchange in the latter part of 1!MT

of s.~).000 par value Kansas and Colorado I'acilic Hail-

way Company's (V' bonds for .Missouri Pacilic Kailr(»ad

V/( bonds made necessary by a reorganization, wliicji

rednccij the interest return on such securities to the

extent of slOO ]»ei- yeai-.

INTEREST ON ADVANCES

This item represents net interest earneil on advanres

temporarily made to other features

EXPENSES

GENERAL EXPENSES

A large proportion of the increase ol ."s7,."»U().,s(; in this

item is represented by increases in rates of pay of Olli

cers and llniidoyes ol' the 1 teparl iiieiil . To increasi-d

i'orce made necessary by the larger \(diime of business

handled is als(t attributable a pari of the increase. The

item of Stationery .nd rrinting which is included under

tliiv Iie;id shows a slighi increase, as also the »'xpen.se<

of .Medieiil I'^xaminers.

INTEREST ON BILLS PAYABLE

The item of |44C.33 represents interest paid on funds

liorrowed from outside sources by the Relief Feature dur-

ing the closing months of the year in order to meet

unusual siclv and death claims, references to which are

hereinafter uuide. Xo similar item was incurred in 1917.


The item of |G.99 in 1918 represents interest paid by

the Relief Feature on temporary advances from the Sav-

ings Feature made for purposes similar to the foregoing.

There Avas likewise no such item incurred in 1917.

ACCIDENT DISABILITY

The increase of •'jfl,1^^3.30 in this item is attributable

to the heavier liability represented by the increase in the

revenue item of assessments.

SICK DISABILITY

The increase of .'5;2().793.08 in this item is due to the

e])idemic of inlluenza, which swept over the country dur-

ing the three closing months of the year, and to v.^hich

more specific reference is hereinafter uiade.

DEATH BENEFITS

Tlie increase of •S59,:!()0 is attributal)le to tlie epidemic

referred to in the foregoing paragraph. To this increase

of .|;59,300 can be added .1S3,900 representing the Death

Benefit Reserve as of January 1st, 1918, and which was

wiped out.

DEFICIT

The deficit of |57,885.Gl' as reflected by the Income Ac-

count for the year, and which, for comparative purposes,

reflects less net revenue than in 1!>17 to the extent of

.178,008.75 ])lus .!;:',.900 Death Benefit Reserve, or a total

of •$82,508.75, follows the serious and unprecedented

claims upon the funds of the Feature as the result of

the epidemic.

SAVINGS FEATURE

Statement of Revenues and Expenses for 12 Months

Ended December 31»t, 1918, Compared with Previous Year

IniTi'iisf iir

191.S 1917 •!>(( r<-asp

KKVEXUES:Iiitorcst on Sci-iiritips owiipiI $ :{2n.0i $ ll.'t.'.f.' ? -.'(Mi.tis

Ililcri'st (III DciMi-iil-s mill Accoinits ir.'.L'O 1IK>.-J4 \11.'M\

IiiKMVst L'liriii'.l on Loiiiis s.74'J.:J7 7.."i()(t."7 1 .•Jli.'i.UO

liitiTfsi ciiriiiil III! Expense Aicoiints iri.:j4 1JI.33 • S.lKt

Interest on Ailviiiues ti.O!( 4.00 2.3!t

Small I.oiin Service Fee 17.00 17.00Interest earned on Small LoaiiK 'Jl.ll 20.11.Miseellaneons Iteieijits 140.U.i ]40.(CI'rlnting riant—Operalin;; SimjiIiis 4«U.:a 4*MJ.;U

Total *1I.S5().!>7 $7.744.S(I J2.10«.U

KXI'ENSES:(Jeneral Expenses .<l.(r.>7.ri4 .S ..s7.(il $ 440.0:!

IlileresI III De ositors- AieoniltS (SV.'^c) . . . <!.0.S-J.10 .•i.417.'.lt> J.HIU.UIntiri'st on I'.ills I'avahie 1 ..><.h:{. 1 7 J.4.S'i..'vS • iMrj.Tl

Interest .m .Vilv.iiices 14.V13 .'j.70 i:«».37

l'..lal $9,138.04 $6,497.21 $2.»40.s:j

.Vet KeViMille 712.93 l.-IT 72

EXPLANATIONS OF THE SEVERAL CHANGES FOLLOW:

REVENUES

INTEREST ON SECURITIES OWNEDDiiriiio; the laHcr part of 1!»1T llic Savinjis Fcaiinf in-

vested in .^8,0(10 par value Western .Marvlaml IJailway

I'irsi .Mortgage i'c Bonds, which, in l!tlS. reflected a

Inll interest jtciioil mi such scciiiii ics ami, therefore.

aciiMiiils \'i,y llic increase in iliis ji,m ol' .'<•_'()(). OS.

INTEREST ON DEPOSITS AND ACCOUNTS

Tiic iiicn-ase in tliis ilciii is due In heavier average Itank

l).i lances on deposit.

INTEREST EARNED ON LOANS

The increase ol' ."^l .•_';;.">.» 10 in this item is due. of course

to a larger numlicr of .Mortgage Loans in elVect.

INTEREST EARNED ON EXPENSE ACCOUNTS

This item represents interest earned on advances madeto cover property expense accounts of Mortgage Loan

borrowers, and the slight decrease as compared with 1917

is due to tlie fact that the number of borrowers availing

of this privilege have been reduced.

INTEREST ON ADVANCES ..

This item represents interest earned on temj)orary ad

vances made to other Features.

SMALL LOAN SERVICE FEE AND INTEREST EARNEDON SMALL LOANS

As the Small Loan Feature, to which more specitic

attention is directed subsequently in this report, was not

in effect in 1917, and in fact was not inaugurated until

August, 1918, the entire amount of net eai'nings growing

out of this Feature represent an increase compared with

1917.

MISCELLANEOUS RECEIPTS

The item of 1140.65 shown under this head in 1918

represents the bank balances heretofore maintained by

The Western Maryland Investment Company and The

Western Maryland Investment Company of West Vir-

ginia, which are the legal vehicles for Mortgage Loans

made by the Savings Feature, and which balances were

in November. 1918, taken up in the earnings of the Sav-

ings Feature.

PRINTING PLANT OPERATING SURPLUS

The item of |466.31 representing net earnings in the

operations of the Printing Plant to December 31st, 1918,

represents an increase of such amount over the previous

year, as the I'rinting Plant was not purchased and oper-

ated until the latter part of 1918. Attention is directed

to this item later on in this report.

EXPENSES

GENERAL EXPENSES

'I'liis item iiicliiilcs salaiies. Hnililiii); Inspfctors' Fet's.

Siaiionciy and I'liiitiiiji. etc. The iiurcasc is dup lar^jcly

t«) increased i)i-<»|»(irii(»ii of salai-ies assnined liv the Sav-

ings Featni-e and to iMcie.ise in the item ol' Muildin;; In-

s]»ec1«»fs' lees, aeconiit ol laij;er nninlief ol' inspections

iiKxh-.

INTEREST ON DEPOSITORS' ACCOUNTS

Tliis iu-ni lias coii-iisii-iit ly iiici-eased wiiii tlie laf^ci-

aiuonnt of ih'i»osits, and to a inojioft ion ol' tlie increase

is dne an incicase in the fate of leim-ii on deposits. Dm-

in<; the lifst six inoiilh-^ of I'.MT the letniii ajrj^reâted 4^ j

pel- cent and llie last six montlis of IMl" the retiu-n was

5 per cent, wiiile in 1!HS the interest and extra divideml

afifirejjatpd 51 o per cent.

INTEREST ON BILLS PAYABLE

The (h'crease of •'rÔOl.'.Tl in tiiis item which represents

interest jtaid on money l)orrowed from outside source-;

to meet loans is due. ol' course, to heavier (h'posits iu tlie

Savinfis Feature enabling a reduction in the liability on

this account.


'Phis item is interest paid to other I'eatures on tern

porary ad\ances and the. increase of .î;>i».:JT is due to

the necessity of the Savin<;s Feature borrowing tem-

porarily Iroiii ilic Krlicf and Snpei-aiinuat imi i'faiure-;

cliirinu ilic forepart of the year I'.HS.

NET REVENUEDecrease s.").', I.Ti'. This item, leaving out entirely tlie

(Xtia dividend |>aid. was heavier than the |irevious year.

Iiut your (oMimittee felt that so loii^' as a substantial

surplus was earned over and above the aggregal*' inlere«t

iiid dividend of ."tio'' that the latter rate of return could

well and sal'elv be declared.

SUPERANNUATION FEATURE

No comparative Income Account is herein reported.

This Feature has no income except from Securities owned,

and cash permanent!}' transferred to it from the Reliet:

Feature.

Its obligations are those represented only by allow-

ances made to Superannuated members.

The total payments made to Superannuated members

in 1918 and 1917 were as follows:

Members MembersMembers ndded deceusedDecember during during Allowances Average

31st year year paid Allowance

litis 32 10 1 $6,691.92 $23.37

l'.n- 2-t 8 1 3,912.83 15.28

During the year 1918, the age limit as applying to

eligibility for Superannuation allowance was reduced

Irom 08 to G5, and on Januarj' 1, 1918, straight allow-

ances according to class were established, sujjerseding the

percentage basis heretofore in effect.

The Percentage Pension allowance basis payable by

the Railway Company was likewise reduced from 68 to

Go years. Therefore, to the above average Superannuation

allowance made by this Department, a substantial pen-

sion allowance is added by the Company in each case.

GENERAL

RELIEF FEATURE

The development of this Feature's gross volume of busi-

ness continued throughout the year, each month with only

several exceptions, reflecting more gross earnings than

the previous month. This was the result of decidedly

augmented forces employed by the Company, and in fact,

labor conditions continued so acute thi'oughout the year,

that large numbers of employes were necessarily engaged

without physical examination, depriving the Department

of this means of accession to its membership.

For the first nine months of the Fiscal year 1918, the

Benefits paid by this Feature were consistently favorable

mill ifllcclfd ;i <l<i\\ iiwaid Iciiilt-IKV ;is lu ijilin In < i ross

lOiiniiiifis. hut as previously toiiclit-il ii|m)|i in ilii>. IJcimhi.

(liirinjj; llio I'all iiioiitlis, the epidemic ot Intliieiiza aii.l

lis ass()eiaU'(l diseases, j^'ciicral tlii'duîlioiit iln- <(iuiitry,

spread aiiidii;: tlic iiieiMlicrslii]> ol' tliis Dcpaii ineiit I<» a

serious de<;r('c anil aliiioi-iuall v increased iis sick and

death ohlijâlious in the three elosiii<i inoMtli^ of the l-'iscal

year. In larl. iln- i-llcci of ihe I'liiilrmic rimiiniii-d lu

reflect in liu- anmunl of benelils |)a.vahle lliroujiliout the

lii-st llirrc nmnilis of l!(l!l. Dnrinjr these linal three

nmnllis of the year lliere was distrihuted to niendters of

the Relief Feature S32,15r).80 in sick benefits, or approxi-

mately §27.(l(ltl in excess of the noinial sick claims; an 1

to heiieliciaries of niendters who dieil. ilirre was paid dur-

in<j the same ])eriod s(;lM.")().()(). of w ImIi aniinint sr)(i.:',r)0.(l(l

is directly accounted for l»y the Intliicn/.a and its con

secpient diseases. ApproxinuUely one-fourth of the De-

|)aiiniriii"s incinl»ershi|) was disabled lhrou<;h sickness.

anil ilnriiij>; the dosing three months of 1918, 58 niendters

died as the result of the epiuiuiic.

On October 1st. 1!H8, the suri.his of the Relief Fea-

ture amttunted to sii7,Gl.'r).(t8. plus a death benefit reserve

of |;3,Cr)0 or .«;il,275.08. On December :'.lst. 11)18. the

deficit was 134,556.27. This deiicii mi .Mardi :'.l. I'.MIt.

liad increased to .1>41),45i>.72. and inasmuch as it was felt

that the effects of the ei)idemic had then subsided, such

deficit was wiped out of the Accounts by the Railroa<l

thntufili iciiiibursement.

'Pile payiiirnt of this abnormal number of sick ami

ilralli rlaiiiis was attended with as much dispatch as the

availability of u«'cessary information and reports pt'r-

ii'ilfed. I'uiids. throujih the hypothecation of the De-

partment's securities, were pntmptly borrowed, and in a

larjie number of cases the beiieticiaiies opened Savings

I'eatiire .Vccoiinls. depositing llieiriii •viiili ]ii iipnil imi nf

beiii'tits as were not immrdialely iiM|iiircil.

During the early months of 11MI». on account of business

comlitioiis. the number of enii>htyes tinder engagement by

the ("oiiipany was considerably reduced with a coiise-

(|uenl falling ofi in the gross revenues of this Feature.

SAVINGS FEATURE

The comparative Income Account reflects a most grati-

fviug development of this Feature.

The Surplus from operation was sufficient to justify

your Executive Committee in declaring for the year 1918

an extra dividend of 11/2^" (which is in addition to the

guaranteed interest of 4% credited monthly to the

accounts I. The Surplus of this Feature increased from

'^7()6.a2 on January 1, 1918, to 11,419.25 on January 1,

1919.

The development of this Feature is better demon-

strated by the following comparisons

:

Gross Total NetNumber of Amounts DepositsDeposits Deposited December 31st

101 6,362 !(i4S,8-11.5G $52,590.74

1 !il7 10.121 85,6.39.76 S)!).103.15

1!)1.S 10,350 119.159.31 160.895.79

AmowntActive Loans Outstauding

December :'.l. llild 98 .flO-1.917.75

December 31, 1017 129 $139,026.74

December 31. lols l-li; $141,560.18

A large number of the Beneficiaries to whom death

benefits were paid on account of the epidemic heretofore

i-eferred to, deposited during the closing months of the

year, all or part of their Benefits, and which entered

largely into the heavy increase in total net deposits, with-

out a corresponding increase in the number of individual

deposits—Liberty Loan subscriptions, of course, had the

effect of restricting the development of consistent deposits

through payroll deductions.

During the year the Savings Feature invested in a

I'rinting Plant; enabling it to take care of part of the

printing work of the Railway Company, and gradually its

equipment has been augmented, and its scope broadened

;

so it can handle printing of every description and upon

a profitable basis. Its operating surplus for 1918 is re-

flected in the foregoing Income Accounts of the Saving;,

Feature, and its surplus for 1919 will materially add to

the net revenues of that Feature.

Dui-iiij: I'.ns Ihc S;i\iii<is I't'jitmc iii:iiiîii-:il('(l and inaile

cUVctive a Small l.uaii plan. I'<m- tlic piii-iMisc of provitlin;^

an enior}i;(Micv nicasuri' of relief Id cinpioyes who are nieni

licrs (if ihc lli'lief Feature, In discliarjic meritorious aii«l

woithv ()lili;r;iti<»iis. Tills plan lia-< aln-aily proven attrae-

li\('. and lieiiclicial to the niendicrs of the Department.

7!) iiavinj: availed tliereof at the dale of issuance of Ilii-;

Hepoi-t.

'I'lic .Moii jia.uc i.iian privilege ollcicd hy llie Savings

I'catui-e. due lo its adxantapeou.s tei'nis ami easy and fair

lale of rcliirn. ((iiilnnies to lntere>l llic memherslii](. Anumber of morlâge loans were ic]iaid in full durini:

litis, fidiii funds i-eceive<l hy mendiers in I he form of

••hack pay." howcxcr. ihe net increase in horrower.s has

liicatly increased durinji the cui'i-ent year.

I)ui-in<r 1!MS. hy a])iiropriate re>'oluli(Ui of the (Jeneral

Committee ami later approved hy an ordei- n\' the Central

Hailroad Administration, at Washin-iton. the protection

of niemberslii]) of this Department was extended so as

to take care of all memhers regardless of the road on

which work was ]icrf(irmed, dui-iuix the period of l^'lleral

control.

The Hooks of ihe Department covering ilie IJ unuiths

ended Deceudiei- .'.I. liHS. weiv audited liy .Vccountanls

furnished hy the .\uditor of the Company and ai)prove<l

hy the (ieneral Committee, the result of the audit coulirin-

inj; tiie accuracy of the Hooks and Accounts.

l^y oi-dei' of the Executive Committeo.

^r. r. HVKHS. Chairman

..READING STEEL CASTING COMPANY.READING - PA.

THE LARGEST MANUFACTURERS OF

SMALL STEEL CASTINGS

Converter Castings

Acid Open Hearth Castings

1 to 1,000 lbs.

25 to 36,000 lbs.

The only REPLACER for heavy equipment. The only replacer on which truck columnbolts will not catch. Do not Spike—use the Clamps.

"'a'n^'sô^ld"^^" reading specialties companyHome Office and Works READING, PENNA.


PR EN DOF THE

REL EF DEPARTMENT

••WrKKIZi:" WATKU FII.TKKK((l< DOMKKTH I xi:

Made of Grey Iron, Porcelain Enameled.

Filtings are Brass. Nickel Plated.

Filter Stone Easy to Clean and Sterilize.

NO I'l.i MiEiN<; K i'.<î 1 1{ i: 1).

^^

••I'UKJiD" >vati:r <-<mu.i:k'I'lllJ I.OI OMOTIX i: tuiw

The 'MEN UP IN FRONT" will appreciate GoodCool DrinkinK Water Furnished

by this Appliance.

i'l{|NI>i I IM»N M'I'l.K \ilov

WESTERN MARYLAND R. R. USE OUR DRINKING FOUNTAINS AND FILTERS ON COACHES OiNERS ETC

The Pyle-National Company1334-58 North Kostner Avenue

CHICAGO, ILLS. U. S. A.

\V.I...II.IIKKIKS,.Ir. N.S.KKWKV illK HOI.DKN COMPANY. I.iil. KOBKKTC. SH A \l

.Miiiii.il Itld^. 101) .Miinscy Mld^. :t.~>l Si. J.iiiio Stncl

Kiciiiiiond. \'ii. Kiiltiniorc. .Md. Monirc.il (jucIm-c C.iii.uI.i

M) Ihunh Sirtfi

\«'» York

This Book is printed by the printing plant of the Belief Department.

Altliough only purchased and in operation a little over a year, it has largely

increased its capacit3% and now takes care of practically all the printing

requirements of the Western Maryland.

It is al;-o able to handle a great deal of outside business, and offers to

all the friends of our employes the service of an up-to-date first-class printing

establishment.

Its work has been much and favorably commented upon. One of our

patrons says:

"I thank you very imich for same and tliink the job is a credit to

the plant."

Another saj's

:

"I have by this mail received copy of

which was printed by your press, and I want to take this opportunity of

congratulating you upon this printing job. as it certainly reflects credit

upon the manner of work you can turn out."

Another

:

"This is, indeed, very creditable work."

Tell the folks you deal wiih, to get in touch with iis if they are interested

ill modern, first-class, and economical printing.

A .

^

Hajjerstown's Newest Hotel

The ColonialF. I.. HAMILTON c^ SON. IVoprietors

S.i!." '

EUROPEAN

100 Rooms, 70 With Bath Tub or Shower

HAGERSTOWN. MD.

CHAS. E. SHENK PIANO CO.

yiamui, JJlaurr iJiamis. Hirtrnlas. ^Srrllr^s

Come to Us for a Square Deal

1 I i>i lii.K' >i<ii vui:

II \(. i:ii.>< TOWN M A U > I. \ N II

Aw A P I fTV '"' DUNNING TANKS that is" '^» ' ^ ' ' hani t.) surpass. A completfline fur iMry iisf, to tvery specilication. in all shapes andwith any jrradc or thickness of steel or iron plate.

We can deliver our standard pneumatic, storage, traso-

line and heatin^,• tanks jiromptly. Write for Particulars.

NEW YORK CENTRAL IRON WORKS CO., Inc.

HAGERSTOWN. MARYLANDNi:\v YoKK Okfick—:!ii I'm Ktii Stkki: i

PHOTOGRAPHY IN ALL ITS BRANCHES

iTtrftutnhrii §>tu^tll

HARRIS HIEDWOHL

50J WEST WASHINGTON STREET

cap PHONE 102-W

HAGERSTOWN - MARYLANDWE CONTKIBUTEIJ TO TIIK ILLUSTItATlONS

IN THIS HOOK

I^J A I I. U < ) A I)

^ . M. < . .\.

HAGERSTOWN MARYLAND

JLL HAILROAD ME\ WELCOrÛ:OPEN NIGHT AND DAY

Bentz & DunnTHE HOUSE OF SHOES

HAGERSTOWN, MARYLAND

EVERYTHING

i; I Men and Boys Wear

^^îJ Slioes For All of llu' lamily

McCARDELL BROS, kHAGERSTOWN, MD.

Q/,eFLEIFORlVltiR. LvY HOKKIVIA.NS

AV:WASHINGTON STREET

THE STORE FOR SMART WOMEN S WEARWHERE STYLE AND ECONOMY MEET

HKART nOCTOR!YES, A SPECIALIST FOR 24 YEARS ON THE HEART OF THESTEAM ENGINE—OR IN OTHER WORDS—MAIN VALVES.

OLD ENGINES MADE VIGOROUS BY USE OF THE AMERICAN BALANCE VALVE CD'S VALVES.

We also Manufacture the Common Snap and Bull Ring Valves and Parts.

:WE ARE AT YOUR SERVICE:

C. C. YOSUCCESSO",",? AMERICAN BALANCE VALVE COMPANY, Jersey Shore, Pa.

Wine Self Centering Roller Side Bearings

WILLIncrease TON-

NAGE by re-

ducing Train

Resistance.

Will Increase

WHEEL Mile-

age.

THE WINE RAILWAY APPLIANCE COMPANY

TOLEDO, OHIO - - - U.S.A.

STAYTITE METALLIC PACKINGSSATISFIES MOST EXACTING REQUIREMENTS

TROJAN MINERAL GRINDING COMPOUND

Locomotive Specialties and Machinery

H. G. HAMMETT, -:- TROY, N. Y.

Fountain Pens

Ever Sharp Pencils

i)OSE LEAF BOOKS

Lucas Brothers221 Easl Mallimore Street

Baltimore, Maryland

DID YOU EVER TRY

FAIRFIELD FARMS MILK

IT IS

Pure - Wholesome - Sweet

GOOD SERVICE

Fairfield Farms Dairy

IJAI/I IMOIî:PHONES:

EAST BRANCH - Mt. Vernon 2511

WEST BRANCH - Gilmor 3740

Investment

Securities

BANKERS

J. S. Wilson, Jr. & Co.

MEMBER NEW YORK STOCK EXCHANGE

CALVERT ULUG. UALTI.MOKK. Ml).

SKLECT VOIK TALKlMi MACIIINi:

Victrolas am> Sonoras

Complete Stock of Victor Records

Kranz-Fink Talking Machine Co.

100 NORTH CHARLES STREET COi^. EAYETTE

i5Ai/riM<)Ui:

TERMS TO SUIT PURCHASERS

This space

contributed

by a

FRIENDOf the

Relief Department

W. E. WEIMER

WEIMER & MEYERE. G. MEYER

-AGENTS FOR-

BuicK AND Ford AutomobilesDraying and Pleasure Driving Our Specialty PURE CRYSTAL ICE

Quick Service Day or Night Repairing and Supplies

Safe and Sane Drivers Always on the Job First Class Workmen in all Departments

MOUNTAIN CITY GARAGE HOSPITAL FOR CRIPPLED MOTOR CARSWILLIAM AVENUE AND THIRD STREET DAVIS, WEST VIRGINIA

H. N. BarnardPlumbing and Hardware

Gas Fitting, Steam and Hot Water Heating

ELKINS, WEST VIRGINIA

JOHN J. WALLACEMANUFACTURER OF

WALLACE'S FAMOUS ICE CREAMAND BATvED OOODSAVIIOI.KSALE ANI> RKT.VII.

Established 1902 ELKINS, W. VA

Babcock Lumber and Boom CompanyDAVIS - - WEST VIRGINIA

MANUFACTURERS OF-

Hard and Soft Wood LumberHard Wood Flooring

/. H. BANEGeneral Merchandise

RIDGELY - W.VA.

Schwarzenbach & Son

Outfitters To Man and Boy

CUMBERLAND . MARYLAND

ELKINS REAL ESTATE COMPANYBUYERS AND SELLERS OF

CTTV REAL ESTATF:FARMS, COAL AND TIMBER LANDS

INSURANCE PROPERTIES FOR RENTSPECIAL ATTENTION TO CITY PROPERTIES SOME GOOD TRACTS OF COAL AND TIMBER

Room 12, Cobb Bldg. J. W. trembly. Manager ELKINS, W. VA.

R. D. Benedetto & Sons

.l<)l?l?l:l^^^ AM)

n "^ "0 "i T^' Wholesale Grocery and Retailers

Thomas, west Virginia

DRESSED :- LUMBER

Is Like a Dead Dog!THE BARK IS ALL OFF

!

YOU'LL FIND NO BARKOn Our IaiihIkt, Altlioiijfh Wo Do

A GOOD DEAL OF BARKINGAljout It.

Wc Have The Stoik And Feel Justified

IN THE BARKING.When Vou

WANT THE BEST LUMBERBark L'p This Tree

And You'll Find It

!

Hardman Building & Supply Co.

i:i>iviNs. >vi:k'I' \ iii<;iMA

Col. A. K. Si.\l.l.l\(.S. rrisKiiiii

H. K. H. Hl.VKU.VK.H. \ in- l'r.>i(l.ni

W. W. WOODS. Ca>hiir

OIKKCTOKSA. K. Stiillinn> I). E. tuppt-lt C. N. Milnlin-

H. F. K. Hiiul)au«h A. L. Hilmirk

A. P. ButI R. II. Hl-iônimu^

MINERS & MERCHANTS BANKTHOMAS WEST VIRGINIA

The slogan of the present lime is Safety

First and there is no better way to carry this

out than to save a little every day. and place

this savings in the bank where it is absolute-

ly safe.

We are Depository for:

I'liiU'd Slates I'ostal Sa\iiins Funds

The State of West Mrjiinia

County of Tucker

Town of Thomas

WHY NOT YOU?YOUR ACCOUNT SOLICITED

C'ai)ital and Surplus - 8 .lO.OdO.OO

Resources (iOO.OI )().(»()

A. L. HELMICK. Manager

Cheat Valley Insurance AgencyGeneral Insurance AgentsFIKF, IIK.MTII. in i:. ACCIDF.NT. IM.ATK (il.ASS. At lOMOiUI.K

BURGLAR, BOILER ANDLIVE STOCK INSURANCE

GENERAL BONDINGBUSINESS

PARSONS AND THOMAS. WEST VIRGINIA

THOMAS J. GURI FY & SONGROCERS

If it's Something very nice in Groceries or Table Luxuries

We Have It.

52 North Centre St. CUMBERLAND, MD.

COMPLIMENTS OF

GrossBrothersCUMBERLAND, MD.

COMPLIMENTS OF

JOHN M. STREEl r


MILLER'S DYE WORKSCleaning, Pressing and Repairing

Alterations of all Kinds

19 N. MECHANIC ST. Phone 1246 CUMBERLAND, MD.

'VrEAL ESTATE AND^

fFSDEEKENSlV'lSOUTH LIBERTYST^VBI^^HI

ÛMBERLANOlMC^

BUTLERTHE UNDERTAKER

..The Best and Promptitude Service..

TELEPHONE 119


Caloric Heating Systems Bengal Stoves and Ranges

HABIG BROTHERSWe Are Not Satisfied— Until You Are

HOUSEHOLD GOODS, MANTELS, TILES AND GRATES

lOl N. CENTRE ST. CUMBERLAND, MD.One Square Above City Hall Phone 1521

SPOERL'S GARAGENORTH GEORGE STREET

CUMBERLAND, MARYLAND

J. B. WILLIAMS CO.Monuments, Headstones, Iron Fencing

FROSTBURG, MD. CUMBERLAND, MD.

PHONE 52 PHONE 1500

Georges Creek Coal CompanyCOALK i& COMPANY

BITUMINOUS COAL AND COKEGEORGES CREEK, BIG VEIN, TYSON AND OTHER COALS

Third National Bank Building CUMBERLAND, MD.JOHNSTOWN, PA.

CUMBERLAND, MD. BALTIMORE, MD. PHILADELPHIA, PA.Third National Bank Building Munsev Building Pennsylvania Building

JKWELERS OVKK II All CENTl'RY

S. T. LITTLE JEWELRY COMPANY

CUMBERLAND, MARYLANDWATCH INSPECTORS lOR \l I RAILROADS

COMI'llMENTS OF

YOU R FRI ENDWashington Lnnch Room

CUMBERLAND, MD.

Cumberland Laundry

Cumberland, Maryland

Henry VogelTHE HOME OF GOOD SHOES

II A'l>-; -:- < A l'>^


1 LRÎTLRt: IMANOSPIIONOORAPIIH

:?S<>l.l) 1J^

tup: HOI.IÂXll CO.MPANVY. M. C. A. BUILDING 131 BALTIMORE STREET

CUMHKRLAM), MO.

Fort Cumberland HotelOnly Fireproof Hotel in Cumbfrland

MODERN IN EVERY RESPECTSPLENDID RESTAURANT POPULAR COFFEE ROOM

The Fort Cu mberland Hotfl CompanyIL H. MABSON, President W. L. JONES. Manager

Dr. C. L. SMITHKK...DENTIST...

101 BALTIMORE STREET

CUMBERLAND, MD.

CYRIL B. GEARE...INSURANCE...

\l 1 KIMl>^

Third National Bank Building

CIIMHF.RI.AND • MARYLAND

T H F

DIME SAVINGS BANK3 Per Cent, on Deposits


'The Two Brothers"

Mens Wear -Thafs All


H. E. BESTER ICE COMANUFACTURED ICE

CRUSHED STOIVE, TEAIMING

H4GERST0W^ • • MARYLAND

DEIVTIKT

SPECIALIST ON CROWN AND BRIDGE WORK

129 WEST WASHINGTON STREET


HOTEL HAMILTONHAGERSTOWN, MARYLANDE LT R C) 1> i:A > 1>LA iV

HEADQUARTERS FOR

MEN IN THE RAILWAY SERVICE

R. BRUCE CARSON40 WEST WASHINGTON STREET

HAGERSTOWN, MARYLAND

C. A. LITTEEATTORNEY AT LA^V

Rooms 206 and 207 First National Bank Building

HAGERSTOWN. MARYLANDC, a p. TELEPHONE, 507-K

Maryland Pressed Steel CompanySOLICITS YOUR INQUIRIES

for all classes o£ pressed steel andmetal stamping work ; also similarwork requiring machining and as-

sembling.

We are manufacturers of the famousPASCO and NATIONAL wire auto-

mobile wheels sold by the NationalWire Wheel Works, Inc., Detroit,

Michigan

Maryland Pressed Steel CompanyHagerstown - - Maryland

DAVID HORNER...DEALER IN...

FURNITURE, CARPETS,

STOVES, ETC.

HOOSIER KITCHEN

CABINETS

C. & P. Phone 1376

36 and 38 W. Franklin Street

HAGERSTOWN, MD.

CASH AND CREDIT

MANUFACTURERS OF

SANDALS SHOES LEGGINGS

FOR DOMESTIC AND FOREIGN TRADE

Hagerstown Shoe & Legging Co.

HAGERSTOWN. MARYLAND

THE VICTROLA SHOP

COMPLETE STOCK

Victrolas and Records

r

^.r-I

t*:,

& MAsrcnf voice

Sheet Music

Wall Paper,Window Shades

Picture Framing

SHAFFER. F.ABEK & CO.

73 W. Washinijton Street

HAGERSTOWN -:- .MAKYL.VM)

*Âlways Your Friend'

'

WEST ENDPHARMACY

Particular Druggists

HAGERSTOWN MARYLAND

R. .1. FUNKHOl'SER E. N. FUNKHOUSER

R. J. FUNKHOUSER & CO.RAILROAD TIES

FIRST NATIONAL BANK BUILDING


Leiter BrothersA Store Full of Attractive Merchandise For Women

An attractive shop catering to women of good

taste and discrimination in dress. A shop whereyou may find all the many attractive articles of

women's wear that go to make up an adequate

wardrobe for the smartly dressed American woman.Garments of the tasteful character so much sought

for and so hard to find are here shown in great

profusion ready for your choice.

COATS, SUITS, DRESSES, FURS, MILLINERY,

BLOUSES, CORSETS, UNDERWEAR, DRY GOODS

OF SUCH DISTINCTION AND CHARM ASTO SUBTLY FLATTER EVERY FIGURE

The Approaching Season's Wardrobe Awaits You Here

LEITER BROTHERSHagerstown - Maryland

R.M.HAYS&BROS.WALL PAPER

KODAKSBooks and Fine Stationery

WINDOW SHADESH AOKRSTOAVIV. MARVLAXD

H. R. WAGNERPlumbing, Heating,

Tinning and Spouting,

Furnace WorkSanitary High Grade Plumbing

Steam, Vapor,Vacuum and HotWaterHeating

Tinning, Spouting and Metal Work

Furnace Work in all Lines

Agent for

"LYON ONE PIPE HEATER"

Estimates Cheerfully Given

OFFICE AND SHOW ROOM

552 West Franklin Street

HAGERSTOWN, MD.C. & p. PHONE 2038

Give us a Call and be one of our

Satisfied Customers

ixM)ni:iir m. IxM i»i» - - i»iii:Kii)i:N r

^=The Rupp^=Manufacturing Co,

Manufacturing Machinists

Hagerstown, Maryland

Manufacturers for The Liberty Tool Company

Single Cylinder Portable Drill Press

Rivet Heating Furnaces

Dolly Bar Heading Attachment

Bottom Riveting Rig

Backing-Out Punch

Double Cylinder Portable Drill lêss

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