TITE MOItXIXG OKEGOXIAX. SATURDAY, , DECEMBER 11, 1020 7 r BAI BOARD DEFIED BY COUNTRY CASHIER State Bank of Brookings, Or., Demands Exchange Fee. CASE TO GO TO CONGRESS Federal Reserve Body Declared to Be Coercing Institutions Throughout Nation. That he will "fight the faderal re serve bank board to a finish" on Its - determination, to collect checks with out exchange charges drawn on the State Bank of Brookings, Or., is the declaration of George D." Wood, its cashier, who made public his side of the case when in Portland on business. In. reply to allegations and state ments by Mr. 'Wood. Frederick Green wood, in charge of the federal re serve bank at Portland, said that, in the Brookings case, he was simply following the provisions of the law and gave it as his opinion that, while Mr. Wood could make considerable trouble by his tactics, he would get nowhere by his efforts. Right to Kee Defended. Under a ruling of the federal re serve board, dated April 12, 1920, checks handled for members ware ordered collepted with exchange charges, or what is technically known as at par. The State Bank of Brook ings is not a member of t-he reserve system, but checks drawn upon it by member banks were sent through for collection and Mr. Wood steadfastly insisted, and said he would continue so to do, that he was entitled to charge a fee for handling them. "I will not surrender my rights to the federal reserve board and am going to carry my fight to congress lor justice, saia ivir. w ooa. in malt ing public his charges and his stand on the situation. "The board wants to get control of the state banks, just as it has over the national banks, and has succeeded to a considerable extent, but they have found one lit tle bank at Brookings, 180 miles from a railroad, where they can't get an a&ent to act for them locally, and so they have sent down a highly-paid aent of their own to collect checks, comparatively few in number, that are drawn against my bank. Protest Sent to San KranrUco. "This agent is costing 400 a month or possibly more of public funds, and I liave already personally complained of that to John Perrin. federal re serve agent in San Francisco. He. however, took the position that, by my act, it was necessary to station his agent there and to maintain him at this expense. "I take the attitude that checks are not currency as maintained by the federal board. It is ridiculous to rule that a bank is not entitled to charge a small sum for handling this paper. My fight is interesting the state banks, and recently I sent 150 letters to them, stating my case and saying I as going to Washington soon to testify before the banking and currency committee of congress to lay the facts here before the mem bers, and already have received grat- j ifying .encouragement in the way of funds and moral support to carry for ward1 the fight." Amendment Is Wanted. Mr. Wood said that he expects to go to Washington in a few weeks to lay the facts as to the situation at Brook ings before the congressional com mittee in an effort to have an amend ment to the reserve act put through. In Louisiana, Alabama, Mississippi, Georgia and South Dakota, according to Mr. Wood, laws have been passed requiring a charge for handling checks as a protest against the re serve board's ruling. Unless there is some relief by congress, he said, it may be necessary to try for action by the Oregon legislature. He does not, however, favor compulsory charges. The situation at Brookings, which is on the coast of Curry county, is pecu liar, in that the officials of the state bank there are thus far in a position to keep the reserve bank from obtain ing any local agent. Mr. Wood him self is cashier of the bank, postmaster and notary public; the president and assistant cashier are the other nota ries of the town, which is supported almost exclusively by a big mill. There are about 500 people living there. Owing to this condition the reserve officials cent down one of their own men. A gmt to Be Maintained. This was about two months ago. He is there for the sole purpose of col lecting checks under the board's par exchange order. According to Mr. Greenwood, an agent will be kept y there as long as necessary, because the law requires par collection and the only bank in the town refuses to acquiesce. "Mr. Wood's statement that public funds are being used at Brookings is very misleading." said Mr. Greenwood. "No public funds are involved, for the member banks of the reserve own ill of the stock and, if tluey have no crit icism of our methods of fulfilling our function of collecting checks at par, eurely no outsider should. "Mr. Wood's Intimation of coercion on the part of the board is without foundation. A state bank is not re quired to Join the reserve system. Coercion Is Denied. "The Eituation regarding the fed eral reserve clearing system can be summed up in a very few words. There are certain clauses in sections 13 and 16 of the federal reserve act which seem to require the federal reserve board to establish a system for the clearing by the federal re serve banks of all checks 'payable upon presentation within their re spective districts, regardless ' of whether the checks are drawn upon member or non-member banks. It appears also that the federal re serve banks are required to receive these checks when tendered them for deposit by member banks at par, tha( 13. without making any deduction from the face amount for collection or exchange charges. Section 15 em powers the federal reserve board to fix reasonable charges, not to exceed 10 cents per $100. which may be made by one bank against another tank for remitting in exchange or otherwise for checks received for collection, but there is a proviso tha "no such charges shall be made against federal reserve bands.' 'Upon being asked for an opinion the attorney-general of the United States has construed this provision literally and has advised the board that federal reserve banks cannot lawfully pay any charge or fee to a bank for remitting to the federal re serve bank for checks drawn upon the payer bank which have been sent to it by the fed-eral reserve bank for payment in exchange or otherwise. Banki Saved Kxpense. 'It is evident, therefore, that a fed eral reserve bank receiving checks on non-member banks for deposit must proceed to collect these checks and that if the banks upon which they are drawn will not remit at par the fed eral reserve bank is obliged to pro vide itself with some other means of making the collection. The federal reserve banks, therefore, have called the attention of non-member banks to these provisions of law and have stated that stamped envelopes will be sent in each case to the remitting bank in order that there may be no actual expense incurred by the payer bank in making the remittance and that if it is more convenient remit tance may be made in currency at the expense of the federal reserve bank. "All non-member banks have been advised that if they do not care to re mit to' the federal reserve banks at par, collection will be made through some outside' agency By having the checks presented at the bank counters for payment." E IS LAID TO FEAR JOHX TILLMASf TELLS COURT HE WAS INTIMIDATED. Youth to Be Held as Witness In Murder Case and Then to . Bo Sent to Training School. Fear of Husted A. Walters, alleged slayer of Partolman Palmer, led John Tillman to follow bis companion in the army on their career of crime, he told Judge Kranzler of the court of domestic relations yesterday. Has reluctance to take that which did not belong to him had influenced him to return stolen money. Tillman, not yet quite 18, Is to be held in the county jail pending his appearance as a witness in the trial of Walters, December 20, after which he then will be taken to the state training school. Judge Kanzler yes terday ordered he should be a ward of the county until be is 2i years of age. The boy admitted he had been on three robberies with Walters, but said he did not carry a revolver and his particular business was to do the searching. Detective Howell, who in vestigated the case at police head quarters, told of finding only 40 cents on Tillman when he was taken in custody. He also said that when the boy finally made a complete confes sion, he was told where to find watoh and chain, stolen' from Thomas Fanning on the fatal, night. This was stowed in the boy's army leggings. "We asked him what had become of the ?35 stolen from a man from Kamiah, Idaho, and he said he didn't have it," Howell told the court. "Then he advised the man to look in an over coat pocket for the money and ex plained he hadn't wanted it and had merely removed it from an inner pocket to another and not told Wal ters of its existence." Tillman told Judge Kanzler that he had heard from other sources that Walters and another man from Camp Lewis had perpetrated robberies in Seattle, but that Walters had never personally told him of this. FREE LOVE PLAN NIPPED JOHX M. HERMAN- Jll. HAS SCHEME TO ELEVATE RACE. Bookkeeping Would Be Only 31ar riage Ceremony and One Would Not Be Limited. A plan to breed a race of super intelligent Americans, sponsored by John M. Herman, Jr was nipped in the bud yesterday when the would-be savior of the country was arrested by Postoffice Inspector Welter and S." F. Pace, deputy United States marshal, at his headquarters, 370 First street, on a charge of sending obscene matter through the mails. Free love, communism, eugenics and all other schemes would have to take a back seat before Herman's pro posed "communal marriage act," which he advocated being adopted by the United States government. His plan as he explained it yesterday, was simplicity in itself. All that was necessary in the matter of choosing mates was for the contracting parties to have a notebook each, in which they would keep track of the persons whom they accepted in the relation ship proposed. Establishment of communal mar riage homes in the different states was one of the sections of the l-w he recommended, these houses to be run on an inter-denominational ba sis, orderly and with religious serv ices daily. A national bureau was to be established. , Herman's divorced wie and tyo children reside in Portland and he stated that he hoped that his new law might bring theni back to him once more. Divorce would only mean the crossing off of the name of the person in question from the other person's books, according to Herman. He quoted from scriptures to prove his contentions, but was taken to the county jail, when he could not produce $500 bonds. It is likely that he will get a hearing as to his san ity. ST. JOHNS SEEKS PROJECT Relocation of Portland Sanitarium Is Requested. Business men and residents of St. Johns will make an offer of a free site and a monetary consideration ic addition for the Portland Sanitarium if the directors will consent to relo cate the site and to build the institu tion in the St. Johns district, accord ing to information received by City Commissioner Pier yesterday. According to Mr. Pier, business men of the district feel the need of a hos pital in that district and are eager to get the Portland Sanitarium. H. W". Cottrell, president of ' the board of directors said the board would gladly consider any such offer. Read The Oregonian classified ads. Backache and Kidney Disorder (By Dr. L. C. Babcock) Simple methods are usually th most effective. The mere drinking a cup of hot water each morning, and a lU-tle "An-uric" (anti-uric acid) before every meal has been found the most effective means of overcoming kidney trouble. Death would occur If the kidneys did not work day and i night In separating poisons and Uric acid from the blood. The danger signals are backache, depressions, aches, pains, heaviness, drowsiness, irritability, headaches, chilliness, rheumatic twinges, swollen joints, gout. Step Into your drug store and ob tain "Anuric, first discovered by Dr. Pierce, of the Surgical Institute, Buf falo, N. Y., or send Dr. Pierce 10 cents : for trial package. FARMERS OF STATE URGE CO OPERATION Plan for Joint Marketing of Crop to Be Spread. OREGON UNION IS ACTIVE Blank: Contracts AVill Be Prepared and Distributed as Result of Big Conference in Dallas. In the effort to spread the co-operative movement to a larger num ber of farmers than ever in Oregon, the Farmers' Educational and Co-operative union of this state. In the near future, will have blank contracts prepared for presentation to the farm ers, providing for co-operative mar keting of crops, according to action taken at the annual meeting of the association held on Tuesday, Wednes day and Thursday of last week at Dallas, Polk county. Consideration of such a contract, and efforts to increase the member ship of the union, which has been in successful operation for more than 10 years, was the important feature of this year's convention, according to an account of the convention given by two of the delegates, Albert S. Roberts and Herbert Egbert, state representative, both of Wasco coun ty, who were in Portland westerday. 'Many Delegates in Attendance. More than 100 delegates from all parts of Oregon and from southern Idaho were in attendance at the busi ness sessions, and double that num ber attended the educational sessions and the entertainment features, ac cording to the visitors. The organization, which ordinarily is referred to as the Farmers' union, is a co-operative association for the handling and selling of produce, and has as its agent the Tri-State Ter minal company, und-er the general direction of the association. This company has been in the field for ten years and has been unusually successful from a co-operative stand point, according to the delegates. At the convention it was pointed out that the co-operative plan had been successful for a long enough period to show that it is no longer an experiment, and a movement to enroll a larger number of farmers under it was begun. One Organisation Sufficient. The union took the ground that for other co-operative organizations to come into the field at this time would be a duplication of effort and detrimental to the co-operative move ment. The president of the union and i committee consisting of the five mem bers of the board of directors were authorized to set to work at once to draw up a blank contract? which can be presented to members and to other farmers throughout the state, to be the basis of a co-operative marketing pool, with the Tri-State Terminal company as the agency. At the meeting the officers of the Association wfirc re-ilcterl r fol lows: President. A. R. Shumway. ! .Umatilla county vice-president, A. G.I rtempei, roitt county; secretary ana treasurer, F. A. Sykes, Corvallis. The five members of .the board of directors were elected as follows: F. B. Ingels of Dufur. W. W. Harrah of Umatilla county, Walter Pierce of Union county, H. B. Davidhizer of Joseph and Dr. C. J. Whitaker of Wallowa county. Delegates Are Appointed. F. B. Ingels was elected delegate to the national convention to be held a year from now at a place to be des ignated later, and W. W. Harrah, Walter Pierce, and W. C. Nelson of Seattle, manager of the Trl-State Ter minal company, were named as dele gates to a meeting of grain men from all over the United States, called for St Louis, Mo., on December 17. Moro was' selected as the location for the next annual session of the union, the date, which will be about a year from now, to be set later. At the Dallas meeting the delegates determined to initiate the "buy-a-barrel-of-flour" movement among the farmers and at once will begin the t-preading of this doctrine. Such a movement, if on a large scale, would do much to improve the grain situa tion, it was believed, and at the same time would be good business on the part of the flour purchasers. FLY KILL1NGJ0W URGED Merchants' Association Inaugurates Campaign Against Summer Pest. A national campaign for killing the "dangerous" housefly between And I Will Fetch a Morsel of Bread" A "morsel of bread is concentrated energy. V DIXIE BREAD contains in a most ap petizing form, vital health elements it builds bone, brain and muscle. I Bread is your best food eat more of it; HAYNES-FOSTER BAKING CO., INC. Bakers of Sunshine and dixie:! M; BREAD p Thanksgiving and Christmas has " een Inaugurated by the Merchants' asso ciation's committee on pollution and sewerage, and placards urging the destruction of the pests have been sent out. One of these placerds says: "The housefly that is seen between Thanksgiving and Christmas should be killed at once, as A has fattened for hibernation for the winter months. "It will emerge from its winter quarters to greet us on Easter day and will begin to raise its Bummer progeny the worst enemy to hu manity. " - "Special care ' should be taken to eliminate all flies at this particular time in view of the danger of disease germs which may reach us from tout plague-swept European countries through the flood of imr.igrants pouring in upon , us. "The presence of the fly in the household is a signal that unsanitary conditions exist and is a warning to every intelligent person." LUMBER ONERS FALL OFF SMALLEST WEEK'S BUSINESS OF YEAR REPORTED. Domestic Cargoes Show Least De cline, Are Therefore Strongest Feature of Market. The smallest week's business in the lumber trade this year is reported by the weekly lumber review of the West Coast Lumbermen's association, issued yesterday. The review says: "Orders taken by west coast mills for the week ending December 4 show a falling off in business for all branches, 'Including the rail trade, local business and foreign ' and do mestic cargoes. "New business in the rail trade amounted to 673 cars as reported by 121 mills which is easily the smallest week's business for the. year. "Domestic cargo business showed the smallest decline and was there fore comparatively the strongest feature of the market. "In the Tail trade the unshipped balance has been reduced to 3107 cars. "Rail shipments were 14,040,000 feet above rail orders, or 69.54 per cent. "The week's production at 121 mills was 30.S5 per cent below normal. Total shipments were 53.920,297 feet. Total new business amounted to 31, 648,211 feet. Local orders were 1,410. 941 feet. In the cargo trade domestic orders were 8,157.270 feet and export orders were 1,890,000 feet. The un shipped totals in the cargo trade are: Domestic, 94.554,395 feet and export, 18.763,827 feet." INVEST IN MEN, ADVICE FRESBYTERIAX PASTOR TALKS TO REALTY" BOARD . Business Men Said Prone to Over look Human Element and View Life From Monetary Angle, i The importance of investing money in people and in the human return as well as in real estate and stocks was emphasized by Dr. Harold L. Uowman, pastor of the First Presby terian church, in an address delivered at the luncheon of the Realty board at the Portland hotel yesterday. -Business men, said the pastor, are prone to overlook the human element and view life more from the mone tary standpoint. Resolutions urging that the county commissioners appropriate 15,000 for the 1921 Rose Festival were adopted by the' board. It was pointed out that in the past the financmg of the festival has fallen upon a limited number of the people and it was fel that a greater distribution of the burden should be made. Resolutions of condolence for the Your Funds Make It Possible HUNDREDS of thriving cities in the Pacific Northwest a few years ago were frontier villages, unpaved, without sewers, and had only wells for water supply. The wonderful transformation has been made by issuance of BONDS. Such improvements have added millions to our taxable wealth; have attracted homeseekers, and have built pros perity. v Pacific Northwest Municipal bond issues are mortgages on America's richest regions. Invest your surplus funds in them. This bank has financed such bond issues to the amount .of many millions. Let us assist you, in selecting your securities. Deposit your checking and Savings Funds with us. Quick News! Men's Gift Neckwear in a highly pleasing as sortment of colorful patterns. Extra values at $1.00. Most any man would appreciate a smart look ing House Coat. The prices here are reduced 25 per cent. Every Shirt in our en tire stock has been re duced 30 per cent. Won derful opportunities for gift-seekers. Thrifty buyers are taking advantage of our sale of Underwear for men. The entire stock has been reduced 25 per cent. Our Gift Certificates are useful gifts. They may be redeemed at any time. Free Christmas Boxes with all gift purchases. D OI duath of Ralph R. Duniway were adopted by a standing vote of the entire membership present. Alfred A. Aya was chairman of the day. W. J3. Shively. chairman of the legal committee, gave a ten-minute legal discussion. SLUMP DELAYS TAXES Farmers Xear The Dalles Are Not Able to Pay Debts. THE DALLES, Or., Dec. 10. (Spe- clal.) With delinquent taxes totaling i $25,405,19 at the close of tax collec- Lumber Broadway and Oak mens TKUST COMRAKY Even at these prices YOU get all the style you want; you get all-wool fabrics; fine tailoring and correct fit the things that make clothes serve so well. Sam'l Rosenblatt & Co. Fifth Street at Alder Gasco Building Home of the Hart Schaffner & Marx (Clothes tions in Wasco county, it is apparent that many ranchers in the county are hard hit by the recent slump in the wheat market. Last year's de linquent taxes at this time totaled $13,000. Claud S. Knight, who is in charge of tax collection in the county, is of the opinion that the greater part of these delinquent taxes will be paid should wheat quotations continue to rise. Wheat sales at the present quo- i i tation will allow the farmers just i ' about to break even on their harvest, j they say. The hlgn wages which I Wasco county farmers were compelled Back the Pacific Northwest Resources Over . $3,500,000 Checking and Savings Accounts Bonds and Trusts Savings Dept. Open Saturday Evenings IOC One group of suits formerly priced up to $55 . $ Good suits from our regular stocks; broken lines but excel lent values for this price. You'll be satisfied $60 and $65 Suits and Overcoats $s o to pay during the last harvest is said to be one of the reasons for the rela- jyjRS. IDA HAMBURGH, of Brattleboro, Vt., who says she never dreamed there was any thing on earth that would do what Tanlac has done for her. Gains twenty-seven pounds. "1 think it is perfectly marvelous the- way Tanlac has built me up. Be fore I began taking it I was in wretched health and only weighed 117 pounds. I now weigh 144 pounds and my health is splendid. "I never dreamed that there was a medicine on earth that would cause me to regain my former we-ight and health in so short a time, but Tanlac did it and I simply can not ,tell you how grateful I am to this wonderful medicine. "I suffered for two years from In digestion and dyspepsia and was in a vory badly run-down condition. I had a tired, worn-out feeling nearly all of the time and rarely had any appetite. "At times I would have Indigestion so badly that I could hardly breathe. I also suffered from palpitation of the heart, severe headaches and pains in my back, but, thanks to Tanlac, all of these terrible symptoms have left me and I now feel as well as I ever felt in my life. "Another thing; I sleep Just splen didly at night now and never suffer from nervousness like I used to. Tan lac is certainly a wonderful medicine and1 I am only too delighted to recom mend it to my friends." The above statement was' made recently by Mrs. Ida Hamburgh, of 316 S. Main street, Brattleboro, Vermont. Tanlao is sold in Portland by the Owl Drug Co. Adv. For Constipation Indigestion, Sick Headache, Biliom nets. Bloating , Sour Stomach, Ga on the Stomach, Bad Breath or other con dition caused by clogged or irregular bowela, take PCLEY CATHAHTICTASLETS A wholesome and thoroughly cleansing physic mild and gentle in action. B B H.w.rd. Un.dilVa. Gs.: I find Foley Cathartic Tablets tire me quicker relief irom constipation than anything I ever triad." a D o Q o n o s D o 0 o n o D o a o n o n o n IO locaoi tively high cost of wheat production this year. QUICK RELIEF FROM Get Dr. Edwards Olive Tablets That is the joyful cry of thousancfa since Dr. Edwards produced Olive Tablets, the substitute for calomel Dr. Edwards, a practicing physician for 17 years and calomel's ofd-time enemy, discovered the formula for Olive Tablets while treating patients' for chronic constipation and torpid livers. Dr. Edwards' Olive Tablets do not contain calomel, but a healing, soothing vegetable laxative No griping is the "keynote" of these little sugar-coated, olive-colored tab lets. They cause the bowels and liver to act normally. They never force them to unnatural action. If you have a "dark brown mouth bad breath a dull, tired feeling sick headache torpid liver constipation, you'll find quick, sure and pleasant re sults from one or two of Dr. Edwards Olive Tablets at bedtime. Thousands take them every night just to keep right. Try them. 15c and 30c Constipation Is Relieved Prompt Permanent ReHa CARTER'S LITTLE LITER PILLS rarely fail. Purely vegetable act Jr'.Ji surely but gent- CARTERS flTTLE PILL.S ly on the liver. Relieve after dinner dis- A tress re- j lieve indiges tion; improve the complexion brighten the eyes. small PHI Small Dose Small Prlc THE C. GEE WO ' CHINESE HEUlbl.NU CO, c. GEE WO b a s made a life study of the curative proper ties poa tessed In roots. a e r b a. buds and bark, and has. compounded there- t TO 111 nis wuouer- ,v T VH tul, w e l 1 -" jnme dies. Known es. all of ' which are p e r- Jectiy narmiesa. as no P 01 son o u orugs or narcotics ot used In their make up. K.r, ,71 lung, kidney, liver, rheumatism, neu ralgia, catarrh, bladder. ood nerv ousness, gall stone and Jtrt -Tri of men women and children. T C Gee Wo's Wonderful and well Known Root and Herb Remedies. Good results will surely and O-uickii follow S,T 162Vfe FIRST STREET, PARKER'S HAIR BALSAM aemoTr DaudrnfltnpftHmlrFjUUatd RjwtnrM flolor at ltd I Beauty to Gray and Faded Hair ;n?. na i.w sl ii ukkii-o. HtfvT ("hem. WkK. 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