PAOK SIX
tiif; ontahio aikhh
TIMIHSDAV, AIKHKIST 17, 1916
Range and Alfalfa
Land at reasonable prices
and on 10 year terms
Stockmen should get in
while the getting is good.
We have sold 98 sections
during the last 1)0 days
Oregon Western
Colonization Company
A. W. TROW, Ajrent ONTARIO, OREGON
WHO IS YOUR BEST FRIEND?
THIS BANK, OF COURSE
it serve! von every day in tin- year by oaring for
our money, thereby preventing its being lost or
frittered away. It nol only doee this, bui it pays
vim fur the privilej, I' doing mi by paying five
per oen1 Intereel on your time depoatta
It givee vim the free benefit of expert advice
mi ; 1 1 1 subject invulv lug the use or lintidliiig of
monej .
It will loan ymi mono) at an tinir mi ap-
proved security, and aid yon in its Investment
and advise iiii in its inanagcnii'iit, if JTOU so de
sire. It will aid ymi in many other ways if you
will jdve it the opportunity .
We invite ymi fn open all ai nut and boeome
a regular patron, and pay VOuT hills by iheek.
It is (be modern business wuy, and it is the
safest wav.
ONTARIO NATIONAL BANK
o.NIAIUO. uKhCON
Earl Wayland Bowman
IDAHO'S MOST VERSATILE WRITER
The Boise Capital News Special
Representative With the Idaho
Regiment at the Border.
M r Bowman reports daily all the duingi of tin- Idaho
lni i and uewi of tin camp, ami sends a special dins
tiatiil tratuie contribution eaeh Sunday. li sub
scribing for tin Boise Evening Capital News at the
regular rati of 50c per niunth, readers of tln paper
can Minre tins exceptionally attractive reading.
'The paper w ill he sent tn an address ymi wish either
at Kogalea t" the loved one or to your own or .some
friend 'a address,
The Capital News, Boise, Ida.
Note If there is anything Mr. Bowman can do for
VOU at the ('amp write him in rare of the Capital
Vewa, Boise, Idaho, and he will cheerfully do it. lie
ivants tn be of real serviee to the bo s of the Seeoiul.
THE UNIVERSAL
INSTRUMENT
Thirty years ago the tuloplume was a luxury. Today,
ttiruugh iieraonal initiative .mil private enterprise, It baa become
a ueeua.lt t withlu the reach of everybody. Where one a busi
ness bad but one telephone with a limited talking range, today
that business has service with a range three quarters of a conti
nent broad, and every bran oh of every business la linked to ev
ery other by an Intercommunicating telephone system
The telephone has earned its responsible place and there are
sow 8,000,000 Hell teW-phoues in (Ins country, over which go
26.000,000 talks daily
Every Ifa'U Telephone is u Long Distance Station.
Malheur Home Telephone Co.
now KAHM i.ots
AT Wll.l, WOHK
Km -r'tiirj McAtfoo Rajro hmni innnoi
Ho MimIp IWorr Not Sprliiif.
W.-ish nton, IV ' , Auk K II U
pn-ilictoil ihnt tlio fiirm loan art run
nut in' in operation for m --. i .i
nOBthl ntnl (irolt illy limn- cnnniit In
iiiuilo liofiiro nnxt nprlnn
III ,p'I :lt I..I1 til'" SVUll'lll til WHI1P
extent will iin for the fanaor v.imi
the Moral roeorvo hhIohi iim- fur
i he iiu Im u nu 1 he I irw t will
be -n ra opport unity ,n booum too
cm li iltablo i nmiiiiiiliiy. his
i. in. i, aat bo tin' norehaat and nan
uf n-tnriT lias BOOB enabled tlirntlKll
tl .. federal reeorve system to hao tit
i . !:-. be 'i on i i .ii tran
tiims. find i i .! niiirki't.
i bo ii' . leiiemo ;..; man) point
of reeem i'oiv to the foderal rot
in. inn in many eeeoatlal !
t hi i' it u enttrel) dlfferynt In no
eraj i hi the bant rooted nadef it
So i oretal banking! and while ft
poaalble thai la roan to oonia thej
hare lands to loan thai will
amoaal t" atroral hoadrod million
toMan, it is mil iiiiiini'ii probable
Unit the systoiii ovor wilt novo Um
of i ! i ro '"in
Tli" not provided lor a iMvInIoii m
ini'iiint fnit-'ci Btstto into 12
luml Imtik dlHtr ots. with a foderal
liiml I tit ti k In i-iu'li TI10 work of 00
iKiiutltiK iIioho illHtrlotH unit HOloCtlllK
llio OOatOn at whloli Hi- loan banks
arp tn lie locatod will lio tho first
important duty of tho farm loan
Imiiril unit Is oxpootocl tu r"iilt In
Just as many Mint OOStOOU 111 pro
i"ii tiio announcement of tho llaoa
of tin' I '2 fodornl n .1 " ilintrlots ami
tho looaUoo ol federal roaorro banks
Tlio only llri'rlur irnvislon In Hi"
fiirm 1 1 hi n art says that limit hanks
ii l n locatod with particular n
In tho farm loan hoods of Hi"
ri.iiiitrv. so tho board win neve wide
iiion Many iipplli'itllons from
illloK. partiiul.il 1 In tho Nortlm" i
anil SoulliwoMt. already haw boon
rili'il in tin' trousury, but tho lioard
will not iiiako public Its conclusions
until It has Iravoloil over tin' MM
tr unit bold hearings In many states.
Bab fodorul l uhI hank must have
a minimum subscribed capital of
ITtO.000 before It ran start husl
nohs If within :!n days after books
.no oponed for subscrlptloni Ml UN
lurk of any of those banks Individ
uals or corporations have not sub
scribed thiil amount the secretary of
tl.e treasury Ik directed to subscribe
for the United Stales in the needed
sum Stork In the banks ma pay
ill ilouds when earned, but tho I'nll-
od States as a stockholder cannot par
ticipate with others.
The banks will not. except In spe
cial oases, loan direct to farmers, hut
through tlie agency of national farm
loan associations, which may be or
Kaiiied to uny number In a land hank
district by any ten owners or pros
pecllve owners of farm land WOO it
riffl to secure loans on farm prop
erty Applications for charters for
I l.i- i- associations must go up to the
farm loan hoard and may he re
fejOOd hy It No association will be
chartered unless It is BhOWl thai
signing members desire loans total
lug at least $20,000.
In applying for membership in an
.tiuii. a farmer must take five
p. i i "lit ..I i lie face alue of the do
sire. I loan in stock to the association
Applications for loans are to lie
passed upon b a loan committee ol
ii." farm loan association I. nan will
In- made only on first mortgages or
farm property and tho value ol lbs
liiml will be IhO ma. II consideration
The land will he subject to inspec
Hon hy an appraiser of tho farm loan
board IsBBM Will bO made only for
pun lias. ,.i laadi for Us improve
no ul Of Im' purclia-e ol live stm I.
equipment, fortlllaora, or to piovlili
buildings on a farm or to liquidate
Indebtedaoea, wM'm when the first
association is formed in tin' county
wlnie land Is located No loan will
be made of more than $10. um) nor
l.'.s i h,ia Jinn Interest will not be
eharied greater 1 1, all ti per cent Tlie
loan itself will be reduced through
in amortisation plan providing for
reduction by annual or seuii-atinual
pay monts on tlie prlncipul No mort
gage shall run for more than 10 years
nor loss than five, and there are the
necessary provisions in the law for
satisfaction of overdue interest or
amortisation payments
The money to he loaned will come
through the federal laud banks,
passed to the hands of the national
farm loan association and to the
i.iruuT The capital stock of the land
banks will not give them much loan
in K power so congress iBOTOOOOd thai
In. iMi greatly by authorising the
hanks to Issue farm loan bunds and
sell them in the open market Tho
act provide that when a federal laud
bank has loaned $50,000 to tamer
ii dm) lesao a oorroapoadtnp amount
of farm loan bonds, and that the to
tal that may lie issued hy anw one
bunk on a minimum capital of $760,-
This would give each hank $iri.H00,
ooo and tho wholo ejratotn $mo.ooo,
nun tO l"nn on first mortgages
i ai m loan im. .its ;ir.. to in. made
i v i it of not more
than I per cut bttOTOOl and a pro
vision that they shall he exempt from
,i. i,l, lit' of municipal taxation
... outdo local lava (tmoatf lor
trust funds Thoy aro not to he obll
at on Of the Halted States, but will
have behind thorn the flrel mortgages
on farm limits Those mortgages gleo
i tattoo
i ,, , , . bj ' i tndltlon do not
vnr i i ' of farm loOJ
i latlon land baaha ma) bo aathoi
ie.l l. UM) farm bum board In mnk"
loan to farmers Ihroush ngiui It
I .. trnef o
i;i' "ompitile . and tho law per
-i '-i..i..ini nf tolni stoek
tnnd bunks to lend illrortly to hot
on f'rst mo' ' firm
. I 1 1 . - v. ill be mi '
,., 1 thfl farm loan board, but
win not bo i -si-nod n Moral land
bank fund" us will loan associations
Tin- stork baaha, aowwvor, whloh are
to be oapltallaod al not looo than
t ' aOhi "'so lino Issue farm
loan lioml -. exemit from taxation
anil baaed OO first mortgage seiiir
.ni of I I times their
capital stock. These tinnks are suh
Jei t to thO same prOVtotOO Of thO law
as loan as-orlatlons In respect to In
terest rates, unionisation, etc
In tin' beginning the rodernl bind
banks will he govoronod bf dlrOOtOtl
appointed hy the farm loan boaril,
but after subscrlitloiis from loan as
sociations to any federal land lunik's
capital stock roach $1110,000. an etec
i in will become effective,
with three directors chosen hy the
board and six by the loan nssocia
H,.ii. V i board will approve com
I iiion pad directors and officers
of these hanks The loan associa
tions will bO dlri'ileil by unpaid offl
, ,.i ,i ..l.i ir and treasurer,
or secretary-treasurer.
Hanks and loan association will bo
subject to the customary examina
tion by persons appointed hy the farm
loan hoard and the law provide pen
alties for Infr'ngementa of Its pro
visions or counterfeiting of farm loan
bonds
COMHN'nKl ItKrollT Ol''
ofaoaanra araaAia.
If a farmer or a teamster or a mot
orist should see on the roadside, on
the top of a tall pole, a white disk
two feel in diameter with a black
cross painted on II. and tlie letters
"It It " on the horizontal arms nf
the cross, would lie sll up and take
notice'' lie probably would And
If lie didn't realise that the sign In
dlcated a railroad crossing a hun-ili.-.l
vards farther on, ho would pro
bably find II mil in lime to avoid In
itio run over.
Such, at least. Is the reasoning of
Ivmi comuiltliH'.. one representing the
railroads of the country snd the other
representing the public service com
missions, which have been trying to
solve the problem of making cross
ings safe They agree tlpil the pres
ent warnings are ineffective, partly
because they are too varied and part
is b. cause most of them are not con
plciious enough.
White and black aro to replace red
as warning colors except at night
I i.'ii the gales of protected crossings
are to be painted Inalternate black
and while stripes, because that com
bination seems to make them more
conspicuous than any other And
crossing watchmen to d-play big.
white disks with a black border and
tie word "Slop'' painted across them
in white letters, instead of raising a
red or w bile flag.
If thO recoiniiiendulions of these
eooamlttea are adopted, as thOf pro
bably will he. tlii- new, uniform set
of warning signals will bO BOOd it 01
er) i.iiiroad crossing in the United
i al - The niiintv court should not
wait, however, to eliminate the death
traps between liaker uud Huntington
They should be done awuy with at
i. mi- Kaker Herald
MM W, HI. t 1. 1. is I TAI.ks.
We have now procured a prepua
lion which we can recommend to all
our friends as being a splendid rem
edy for all forms of stomach and
bowel trouble, indigestion, bloating,
sick headache, heartburn, etc., and
those suffering from being "sick at
the stomach "
Natal I'llieapplo Pepsin Compound
is sold on a positive guarantee of sat
isfaction or money back. It is made
from fresh pineapple Juice and pure
scale pepsin. We ask every man and
woman In Ontario and the surround
nig country who has stomach trouble
of any kind to call and examine this
Splendid medicine All druggists
ami Ontario i'huiinacy. udv
HAs VSOIIIKIt lOHH.
Tout Arnold has traded in bis I'm.!
again for another of Peaceful lien
. tlOBI His friends aver
that ho will ho Unhappy until be
takes a trip to the mountains to dust
the paiut ou the new gasoline buggy.
THE FIRST NATIONAL BANK
OF ONTARIO, OREGON
As made to tha ooiiiptroller of the currency ut the close uf
business, June .10, I V I i
aaaovHcfffl
Loans nnd U J.HI.Si"
owrdruft
Stock In Itpsorve Ihink
Realty nnd flxlui.
Cash l(.-ei.,
....
i
ietaai.il
l.l.illlMIII s
Capital r.s.iiiu
Surplus and pTtflt I .... II III I :t
Circulation 11.111 ii"
IH'IM.slis 46U.775 40
$.-,92,243 62
known roll its sun ni.i'ii
Special Offer
Aug. 14 to 26
A Famous Springer Ironing Board
with detachable sleeve board
FREE!
With each Electric Flat Iron sold
during this time. Offer will be
in force 13 Days. Be sure and
call at our office today.
Idaho Power Co.
THE UNIVERSAL CAR
NEW PRICES AUGUST 1, 1916
Tlie following prioea tor Pord san will be'
effective on and alter Augual 1st, 1916:
Runabout $345.00
Touring Car 360.00
Coupelet 506.00
Town Car 595.00
Sedan 645.00
f. o. b. Detroit
TlifM' iii'f.s are positively guaranteed
against any redaction before Augual 1st,
1JM7, but there is no guarantee agaiuat an
advance in price at any time,
THOS. F. COWARD, Agent
Ontario, Oregon
j ' -NiOi. MALL ',
e ' IV
THE "GREATER OREGON
With new Ijuihllnje tl!r r -lulpmriit. and
IHIII RJtiltltlt tU It fnt Ull Ilia I iilt.p.ll.
of O recoil will bealii IU forty -ftret )r,Tun
Uj. eplruibr It, 1910.
Hicliil tralnln In Cwmiiivn , Juurnalliru
Art It (lecture, Law, Meiltrliir.lMtrhlna. Libra
ry Work. Music. I'hyaltal Training iut nU9
A rU. Lrse emit strons deuarttueuU uf Liber
al i ilUiatloii.
library of more than eV4,eOt) volumea, flf.
toon bulldliiss fully ouulpucd. twu splrndld
ay ninaluuis.
Tuition free. Uormltorlea for ntoa and for
wimeii. Ksoensea Lowest.
Write for free catalogs, nddreaal n a Kealstrar
UNIVERSITY OF OREGON
Kl dm:, H. k. on
-I r a-.i
1 m I
fV HI v t Out. Al lOMAL
n sui.0 no
j