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SECIION ONE g.“.. W W THE CANADIAN BANK OF COMMERCE . ALEXANDER LAIRD, General Manager SAVINGS BANK DEPARTMENT 52nd YEAR. Capital Paid Up Reserve Fund The Bank of Montreal at the end of its fiscal year, October 3lst.,l 908, added another $1,000,000. to its reserve Fund. thus further emphasizing its great strength and stability â€" e . . P'L, __“___ With a Saving Department at every one of its many Branches. it offers the opportunity for all, who so desire, to avail themselves of its many advantages, by opening a. Savings Account. . - A Savings Bank account is the best safeguard Bank of Montreal ranches throughout Canada. and in the United States and England aoainst misfortune, being ah canning interest all the time. VLUIAAAAI’ ..yv~vy- _ -7, Consideration for one’s family demands that all heads of households should provide against the day of adverse conditions, and there is no simpler way than by laying by systematically Erom time to time a portion of income or earnings in 3. Saving acount. “ 'II 7 j Deposits Han be made from withdrawals can be made at any or delay. Office Hours: 10 to 3 o'clock. Saturdays 10 to 1 o'clock. HEAD OFFICE. TOROJ" .0 of $1 and upwards are‘: EIW ESTABLISHED 1817 always ready and available, and Paid-up Capital, $10.000,000 Reserve Fund, - 6,000,000 frcém One Dollar up, and any time, without notice Eé ..B Black, Manager Lindsay Branch $I4,400,000 $l2,000.000 and interest allowed at current in the names of two or {#15 made by..any 26,400,000 ESTABLISHED l 867 r‘ [24- THE WESTERN BANK FARMERS’ BUSINESS A SPECIALTY JOINT ACCOUNT parti cularlv valuable and cnnvient for fa rmers Permits depositinz or withdrawal 0t money by husband or W’fe. Farmers’ sale notes cashed and promptly collected. Drafts and money orders bought and sold at very low cost In the Savings Department $1.00 opens an account. Interest allowed from d‘te of deposit and compounded FOUR times a. year. Deposits and withdlawals may be made by mail without loss of time or formalities. Open an account with us. We offer the very best security possible for your money. C. S. Thompson, Little Britain, Ont. Acting Manager With $1.00 you can open a THE VICTORIA LOAN AND SAVINGS CO Notice is hereby given that a dividend at the rate of Five and One-half per cent. per annum has 131118 day been declared on the paidâ€"up Capital Stock of the Company for the half- year ending 3131; Dec , insh, and that the same will be payable at the ofiice of the Company, Kant St., Lindsay, on and after 2nd January, .prox,» ,1 ‘ ' : x ‘ M ( ," 3. DIVIDEND NOTIC OF CANADA The UNDSAY. ONT" ' CHRISTMAS HALF A MILLJON Bank of Toron Omemee Branch J. B. L . GROUT, Manager Savings Account Open an account this Xmas for your boy or girl. $1 will open an account and it will teach them the value of money. The Reserve Fund of this Bank is a useful gift; would be a gore than the capital . from the in the 25th to the 7. [909. ' pR. FULTON" 'VROOMAN LEAVES FOR LONDON, ONT. _ Dr. F. S. Vrooman left town ,yes- - Friday for London, Ont, where he ' wiu‘fill a. position on the medical‘ staff of the Hospital for the Insane, ‘ to“ which position he has been recent- ly appointed by the Government.‘ The Election of Officers and Pleasing Presentation At a, meeting of Court Lindsay, N6. 181, I. o. n, neld in the Sons of England hall on Wednesday even- ing, the following officers were elect- ed for the ensuing year 2, Chief Rangerâ€"P. Conquergood. Vice Chief Rangerâ€"T. H. Davies. Rec. Sec’yâ€"R. R. Elliot. Representatives to High Courtâ€"W. F. McCarty, E. Maxsom and R. R. Elliot. Auditorsâ€"G. A. Jordan, J. G. Eyres, and R. R. Elliot. A pleasing feature of the meeting was the presentation of a. handsome umbrella to Mr. E. Maxsom, Chief Ranger, along with the following ad- S. B.-â€"R. Vokes. J. B.â€"â€"L. Winters. G. D. H30. R.â€"E. Maxsom.~ Physiciansâ€"Bra Wood, Collison and White. ‘ To E. Maxsom, Esq, Chiéf Ranger. Order of Fomsters. Dear.Sir and Bro.â€"We feel that". in the midst i'of the festive season this is an opportune time to express to you our appreciation of your servic- es as Chief Ranger of our court and of your faithful attendance, being regularly at business meetings, al- ways willing to visit and care ‘for the sick. For your many charita- ble acts your purse string was neVer tied, while in the chair your ruling has always been fair and impartial. Court Lindsay has prospered aided rby your assistance. We ask you to accept 111‘s umbrella as a small tok. vDr. .Vrooman"s many friends, while congratulating him upon his lucra: tive appointment to- this responsible an of our esteem. Trusting that it will prove a. protection to you. we heartily join in wishing you and yours a 10m: and happy life. and tha’c you, our chief for seva‘al Years past, mav long be spared to attend Court Lindsay. 181. Fitn. Secfiâ€"W. F. McCarty. Treasurerâ€"Wm. Warren. Oratorâ€"R. Cooper. POPULAR DOCTOR lEAVING Signed on behalf of the court. W.â€"‘R. Hepburn. From Saturday’s Daily. THE RECIPIENT :(l START THE YEAR iA good recital omelet and a good ouchurch organist are not always Janet with in the same person. Lune playing and teaching, the Wre- lments, while in some respects are identical. are in others widely diver- slvied. The church organist has to be a first-class accompanist. on ac- count ot the hymn-singing oi the congregation as well as assisting and supporting the choir. Hie volun- tarles are often of a more quiet and simple character than the pieces a recital organist would use, and tie mend less technical skill. The organ- ist who is preparing for a recital, however, must have his piano tech- nlc well up to the standard if he would give a creditable performance. Although the organ and piano are so different in many ways, yet they have one important thing in comm‘on â€"skilful fingers. The best prepara- tive for a brilliant organist is to haVe his fingers well trained at the piano, So that when.at the organ he will be able to give his full atten- tion to other matters. The pieces heard at organ recitals to-day, such as Batiste’s oflertoires and transcrip- tions of various kinds require of an organist most exacting work. The compositions of Bach are difficult al- so, as any one can affirm who has studied them, but the difficulties found in Bach are of a different kind. The more modern style of organ music requires for the most part, fin- ger dexterity, which Bach’s work de- mand a high degree of independence between the two hands and pedal board. The concert organist must, therefore be a technician in many senses, and at the same time be a player of excellent judgment and taste. Many pieces heard at recit- als sound more difficult than they really are, while some apparently simple pieces require a great amount of practice. The overture to William Tell,.wh~ich is so well known and ap- preciated, is a piece that needs good finger dexterity, but is, on the whole easier to play than many less bril- liant sounding pieces. The greatest difficulty of the organ, is to have complete control over the different keyboards and pedal board combined and how diflicult this is, no one can understand until they have themselv- es studied. The oratorio choruses as a rule sound splendid on the organ, but Grain From Field Crop Competition One of the most attractive featur- 1' 5:33 of the Guelph Winter Fair this{ month, around which was always to} he found an interested crowd of far- mers, was the exhibit of seed grain from the standing field crop compe- tion displayed in two bushel sacks. This deature will be in evidence also at the Eastern Ontario LiVe Stock ‘and Poultry Show to be held in Ot- tawa on January 18 to 22, where will she shown prize oats by mem- bers of the following agricultural so- cieties, which have made entry with. Mr. J. Lockie Wilson, superintendent of fairs and exhibitions, for this pur- pose; Alfred, Carleton county, East Peterboro, Eldon, Kenyon, Otonabee South Lanark, South Monoghanfl North and South Renfrew, Verula'm, and Wooler. These oats will be judged by ex- perts and the ones to which money prizes are awarded will be retained «by the Department of Agriculture for experimental purposes. The rest will be sold by auction at 10 a.m., on the morning of Friday, January 22, \amd no doubt, as at Guelph, many farmers will seize the opportu- nity of securing first-class oats for the coming season. As each compe- titor must have 25 bushels for sale, including what he exhibits purchas- ers can secure a sufficient quantity to sow a considerable acreage with this excellent seed grain. This is,an op- portunity not to be overlooked. RECEIVED BAD BURNS. The little daughter of . Mr. and Mrs. A. L. Campbell narrowly es-1 cape-d serious injury from burning Friday morning. The child's dr?ss caught fire in some way and only the efforts of Mrs. Campbell, who enter- ed the room to see her child a mass of flames, saved its life. Mrs. Camp- bell was badly burned about the face neck and hands, but she succeeded in putting out the child’s dress. A doc- tor was celled and the painful injur- ies of mother and daughter were dressed. The child’s dross caught like from the grate, it is thought. ’l‘g’l‘AL LOSS A BILLION. f Rome, Jan. 2,â€"The property loss ‘in the quake zone is estimated at ,approximately $1,000,000.000. This lreprescnts the actual destruction of property. The loss in trade and irony the abandcnment of countless of Italy's richest farming lands can- not be estimated at the preSent time. One of the big items of loss is 4200 ships of various sizes. King Em- manuel has ordered the sale of his Sicilian estate's, worth millions of dollars, and that the proceeds be distributes! ‘ among the destitute. i (Written for The Warder by ”Ti "" at St. The Comifi Organist by opening that long delayed SAVINGS ACCOUNT. Don’t wail; until next year, do it now. You will be very much pleased to see how rapidlysmall amounts will gmw. We are ahxious to add your name to our already large and growmg hat of depositors. It does not matter how -.-mn"lli. - unfil- 61“: Hands“; mav be. it Win u smaf you; first d‘epOsit may none the less appreciated. Fair this{ I think Lindsay is notable for its 'élwas's to ‘ splendid ‘ hOrsés; 'I‘here'fi's”ofie” in.” owd of far- particular that I noticed on the seed grain streets a few weeks ago. I think rop compe- it was the highest and most graceâ€" 31113113586 ful stepper I ever saw. But what a ive Stock pity it is that such noble animals held in ct. are still made to suffer from the 22, where check rein. I do not think men ;s by mem- realize what a torture it is, or they cultural so- would not continue it. How would entrv with you like to have your head tied up Dexmtendent when you have to pull? It is just 1.... 4.5., m..._ so with a horse. be case, ismore certain of beingh- teresting. An arrangement of the Hallelujah Chorus would be an ex- cellent opening number which could be well followed by a quieter piece, such as, “0', Rest in the Lord " Next to this might come a. descrip- tive selection such as “The Storm, " and some well-known melody, skil- fully varied, would not be out of place afterwards: Good marches al- ways take well, and should not be overlooked. The overtures of Ros- sini, such as “William Tell” etc, never die out of faVOr, and Betiste’s music is of such a. character that even the most obtuse are generally pleased. The recital organist has opportuni- ties of aoquainting the public with good music in ways which few oth- ers haVe. At the Sunday services mamr selections would not be suit- able as a general thing, and the members of other churches would «miss them even if they were played. But at a public recital all classes and denominations are usually repre- sented and being not on a Sunday, more scope and latitude is pennis- sable. One should not digress, how- ever, from the serious so far as to give the hearers the impression that they are at a comic opera or low music hall. The xocalist or elocu tionist who assists the organist will sometimes err in this respect, but they \\ ho possess high ideals, will seek to eleVate popular taste, rather than cater to it. The organ recital might; therefore. be comprised of selections or a, very vpried character, and when this is ed, but it this amounting should be selections of a. kind snip; able to the organ. Anything of a smooth and glowing diameter, with a distinct melody will usutlly sound well, but any other class 0! piano pieces should be almost wholly lVoid- ed. The song “Calvary" by Rod- ney, makes an ideal organ solo, eith- er for church service or concert, and a. great. many arias from the lies- siah or Elijah are equally suitable. they are among the W thing to play well. The organist often hAas an arrangement or some one o: He will sometimes ‘even be kept standing on the street. for hours without being relieved of the check rein, although a moment would re- lieve him. I suppose it is consider- ed more showy for a horse to carry his head high. So it is, but feed him well and don't work him too ry Cooke Hamilton, organist raw '.8 ) high enough. It may be considered that the rein is a. safeguard against ’kicking, and it is, but not one horse in a hund- red is a. kicker. I 80 present. IENTERTAINED FRIENDS. Mr. and Mrs. Herbert L. Webster, William-st, entertained a number of their friends on Christmas Day. Those from a distance who were pre- sent were: Mrs. James Jordan, Mr. Leslie Jordan, Mr. and Mrs. W'iiliam Tinney. Valentin; Miss Warne, Lon- ,don, England; Bliss Green, Toronto: ‘Mr. James Budd and Mr. and Mrs. Robert Jordan, of Lindsay, wereal- nun- Au v. â€"--â€".__ Some years ago Queen Victoria abolished the check rein on her hors- es. Of course the practise at once became fashionable, and now it is a rare thing to see a check rein in , _ ___A._ of Canada. During the past summer I was some wwks in Montreal. One day I sat in the park and noticed the how that passed by. Nearly half of them had no check rein. So I have thought that by calling atten- tion to the practice here men might think of the matter kindly and rea- sombly. ‘ " 1"“..1â€" (To The Warder fr'om pen of, Raf. J 05. Hamilton.) wma.’ . Wouldn't it be a happy New Year's gift to the poor dumb animal to abolish this torture? He is a nob- le animal, too, and serves us well, but cannot complain if he is in suf- fering. .N°.W will you consider the matter Seriously ‘? Do not wait to see what somebody else will do, but do it yourself. Make this Near Year an epoch v in the life of your horses, as they will serve y0u better, besides blessing you all their life. THE CHECK REIN and he will carry his 11nd it is so in some $1.00 ma: