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; THE DALTON CITIZEN, THURSDAY, JUNE 16, 1921. PAGE THREE Me-o-my, how you’ll take to pipe—and P. A.! Before you’re a day older you want to let the idea slip under your hat that this is the open season to start something with a joy’us jimmy pipe — and some Prince Albert! Because, a pipe packed with Prince Albert satisfies a man as he was never satis fied before—and keeps him satisfied! And, you can prove it! Why — P. A.’s flavor and fragrance and coolness and its freedom from bite and parch (cut v out by our exclusive pat ented process) are a reve lation to the man who never could get acquainted with a pipe! P. A. has made a pipe a thing of joy to'four men where one was smoked before! Ever roll up a cigarette with Prince Albert? Man, man — but you’ve got a party coming your way! Talk about a cigarette smoke; we tell you it’s a peach! Fringe Albert Prince Albert is sold in toppy red bags, tidy red tins, handsome pound and half pound tin humidors and in the pound crystal glass humidor with sponge moistener top. Copyright 1921 by R. J. Reynolds Tobacco Co. Winston-Salem. N. C. the national joy smoke Legal Notices REPORT OF APPRAISERS. GEORGIA, Whitfield County. The appraisers appointed to set apart a year’s support for the widow and minor children of J. A. Beaver, de ceased. have filed their report and I will pass upon said report on the first Monday in July. 1921. H. J. WOOD. Ordinary. LETTERS OF DISMISSION. GEORGIA, Whitfield County. C. E. England, guardian of the per son and property of the minor children of W. T. C. Bankston, deceased, has applied for Letters of Dismission and I will pass upon said application on the first Monday in July, 1921. H. J. WOOD, Ordinary. Use It—Then Decide Valet AutoStrop Razor Is Complete in Itself It i3 more than a razor—more than a safety device. It is stropped, it shaves and is cleaned without taking apart; without even removing the blade. And like a perfectly stropped ordinary razor, the blade im proves with use. And it doesn't cost you a cent to prove all this to satisfaction. We Will Lend You A Valet AutoStrop Razor for a full thirty day trial. If you then decide to keep it, pay us $5.00 for it—if not, return it without further obligation. You Pay Nothing to Try This Razor Any responsible party can ar range at our Cutlery counter for this Free Trial. If you have a charge account, write to us and we will mail die razor to you. You are given the opportunity of trying this wonderful Razor, without any kind of risk. For a month your shaving will cost you nothin?—then you may return the razor if you can get along without YEAR’S SUPPORT. GEORGIA, Whitfield County. The appraisers appointed to set apart a year’s support for the widow of James F. Easterling, deceased, have filed their report with me. and I will pass upon said report on the first Mon day in July, 1921. H. J. WOOD. Ordinary. LIBEL FOR DIVORCE. J. W. Poindexter vs. Alice Poindexter. Whitfield Superior Court. July Term, 1921 . Libel for Divorce. To Alice Poindexter: Plaintiff. J. W. Poindexter, having filed petition for divorce as above stat ed, and it appearing that Alice Poin dexter is not a resident of said county, and that she does not reside in the state, and an order having been made for service on her by publication, this is to notify you. Alice Poindexter, to be and appear at the next term of said court to be held on the fourth Monday in July. 1921, then and there to an swer said complaint. Witness the Honorable M. C. Tarver. Judge of said Court, this 4th day of June, 1921. C. L. ISBILL, Clerk. W. M. Sapp. Atty. for. Plaintiff CITY DRUG STORE J. W. Crawford. Prop. Phone 210 PERHAPS your sal ary would continue were you to sustain an accident, BUT, wouldn’t your expenses be large ly increased, such . as physician and hospital bills? Accident Insurance Will Pay Such Bills ADMINISTRATOR’S SALE. State of Georgia. Whitfield Connty: By virtue of an order from the Court of Ordinary of Whitfield county. Geor gia, will be sold at public outcry on the first Tuesday - in July. 1921. a.t the courthouse door in said county of Whit field. between the legal hours of sale, the following property, to-wit: Two black mares, about seven and eight years old: also one gray horse mule about ten years old; also one bay horse mule about ten years old;| also eight rolls of paper roofing. All of said property can be examined on the day of sale. Terms of sale cash. This June the 13th, 1921. R. L. JONES. Administrator of V. W. Bishop, F. £. BANKS Sheet Metal Works Makers of anything in Sheet Metal. Estimates cheerfully given. Pfione 343. 26 E. Morris St. Q. What is the purpose of having re serves? A. A bank must invest the money de posited with it or it could not pay operating expenses or interest on de posits, and the money would not be available for loans to business enter prises, to move crops, etc. On the other hand, a bank must not lend all of its deposits, or it would not be in a position to meet any unusual with drawal of funds. Consequently, the law requires a certain percentage of the funds deposited shall be held in a reserve fund and the reserves of banks and trust companies in the federal re serve system are held by the federal reserve banks. Q. Suppose that an unusual amount should he withdrawn from a bank so that its reserve fund would be deplet ed below the amount required by law; what would happen? A. The member bank or trust com pany would rediscount with the federal reserve bank sufficient eligible com mercial paper to restore its reserves. Q. Suppose there were a number of unusual withdrawals and the bank Jiad no more commercial paper it could re discount with the federal reserve bank and no bonds ui>on which it could bor row money from the federal reserve bank: what would it do then? A. In an extreme ease of this kind, assuming that the bank did not have other assets upon which it could realize in the immediate future, it would be obliged to suspend payment. Q. If a bank suspended payment, would the depositors lose money? A. A hank might be obliged to sus pend if it were loaded up with too many slow loans and paper which was not eligible, even if its assets ultimate ly realized one hundred cents on the dollar. As extra security, however, the federal law and many of the state laws make the stockholders of banks and trust companies liable for an addi tional amount of money equal to the amount of their stock ownership. Therefore, unless there were unusually bad judgment and management, the de positors would be reasonably safe, al though there might be delay in re ceiving their money. Q. Who owns the stock of the federal reserve banks? A. The stock of the federal reserve banks is owned bv banks and trust companies which are members of the federal reserve system. Q. If the stoei of the federal reserve * banks- is owned by banks and trust companies, how does the operation of the federal reserve system come under governmental control? A. The policies and affairs of the twelve federal reserve hanks are un der the general supervision of a federal reserve board, located in Washington. This board is composed of eleven mem bers. including the secretary of the treasury and the comptroller of the currency. The other five members are appointed by the president of the Unit ed States. Q. Would it be beneficial if the gov ernment owned all of the banks in stead of controlling their operations through the federal reserve board and federal reserve banks? A. To accomplish the best results in any undertaking there must be the personal incentive for profit, which is entirely lacking in government owner ship. To produce profit a bank must be run safely, give good service and please its customers, and. therefore, should reach its highest development and render the greatest public service when privately owned. If a bank makes money, the customers of the bank and the general public can share in its prosperity by becoming stock holders. A bank which has its stock owned largely by its customers and em ployes is in a most favor-able position. GIRLS! WHITEN SKIN WITH LEMON JUICE Squeeze the juice of two lemons into a bottle containing three ounces of Or chard White, which any drag store will supply for a few cents, shake well, and you have a quarter pint 'of harmless and delightful lemon bleach. Massage this sweetly fragrant lo.tion into the face, neck, arms and hands each day, then shortly note the beauty and white ness of your skin. Famous stage beauties use this lem on lotion to bleach and bring that sou, clear, rosy-white complexion, also as a freckle, sunburn, and tan bleach.—Adv. Smoke Stachelberg’s WHITE SEAIi 10c. ♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦♦ ♦ ♦ ♦ HOME DEMONSTRATION ♦ ♦ NOTES. ♦ ♦ ♦ ♦ ♦♦♦♦♦♦♦♦♦.♦♦♦♦♦♦♦ I will not be in the county the 21st and 24tli of this month on account of district meeting of County Home Dem onstration agents at Cartersville. I will probably return to Dalton on the night of the 24th. I sincerely hope a good program of work will be carried out at each of the different places Give Your Children a Better Chance Than You Had all’s said and done, the greatest piece of work that a man has in life is to pro- v de for his family. If a man and woman can start their children farther along the road than they themselves started, their lives have been successful. You want your children to be free from the handicap of poverty, don’t you? You want them to have education, comforts and opportunity for advancement.. Then the path lies clear before you. A little money deposited each week at The Bank of Dalton will build up and double itself by the time when your children are liable to need it most. *BAN!UDALTDN W.C. MARTIN, PRES. E.P.DAV1S, V1CE-PRES. JAMES J.COPELAND,CASHIER W.A.BROADRICK, ASST. CASH. where I should meet the week of my absence. Every club girl is requested to meet with me on Saturday. June 25. at 1:30 p. m.. at the Rest-Room. All girls please bring uniform caps. If you have copies of songs and yells, please bring them in your cranium. If you have not your white slippers or shoes and hose, do not buy before see ing me. as I will lie able to save you some on them. White polish will also be reduced for club members. All club girls will be requested to be present the 6th of July and dressed in white in full. No fancy dresses—sim ple white dress or middy suit with white shoes or slippers and white- hose and uniform cap. All sponsors of clubs are requested io come with respective clnlife and would like for you. to wear same cos tume as club girls in that you wear white. Would like for you to wear club cap. All persons connected in any way with my work are hereby requested to meet at the Rest Room as early as possible on the morning of the 6th. We will meet the supervisor of girls’ dull work, of the state, at the train. Look forward and plan to lie here and let's know each other and enjoy chili work together. Mrs. Elizabeth Moore. ♦ ♦ ♦ GROVE LEVEL. ♦ ♦ ♦ Prayer meeting was well attended here Sunday night. On Wednesday, .Tune 29, the people of this place will meet at the cemetery for the purpose of cleaning off the grounds and fixing up the graves. Anyone who has relatives or friends buried here is asked to please come and bring wheel barrows, hoes, rakes. • shovels or anything that can be used towards cleaning off the cemetery. Prayer services will be held at the Methodist church next Sunday night. ■ There will also be a Children’s day at this place on Sunday, July 3. Card of Thanks. We wish to thank our many friends for their kindness shown us doing the sickness and death of our darling baby, and also for the beautiful floral offering. May the richest blessings rest upon them. Paul J. Anderson. Mr. and Mrs. B. H. Anderson and fam ily. BANK CATECHISM Published by courtesy The Atlanta Constitution r r DRN1SHES rank S URE pROTECTION . K.ruden Phones 49 and 407. (j. Can the deposits of member banks uul trust companies with federal re- -erve banks be treated as reserves for rheir deposits? A. Yes. (>. What reserves are banks and trust •onipanies required to keep? A. On time deposits banks and trust companies which are members of the federal reserve system ar required to keei> 3 per cent of the deposits, while on demand deposits the amount varies according to the location of the bank. Country banks are required to hold 7 ]>er cent reserves, while hanks in re serve cities are obliged to hold 10 per cent, and in central reserve cities 13 per cent. As a result of greater flex ibility under the federal reserve law- in obtaining funds in times w-hen there are heavy demands for money, the banks can operate more safely with the smaller reserves than they could formerly with the higher reserves re quired under the old law. Q. Are federal reserve banks also obliged to carry reserves to protect de posits with them? A. Yes. Federal reserve banks must carry reserves of 35 per eent of de posits in gold or lawful money. Law ful money is gold or silver, or certifi cates issued therefor, and legal tender notes. Announce A substantial reduction in the price of their cars effective June eighth. mcarthiir auto company