The herald and news. (Newberry S.C.) 1903-1937, April 19, 1912, Trade and Industrial Edition, FIRST SECTION Pages 1 to 8, Page TWO, Image 2
1 IVU
^law
Interior of the Security Loan
SECURITY LOAN AND INVESTMENT
COMPANY.
J
I
An Organization Whose >;une is Synonymous
With Development.
Capitalists, manufacturers and those
thoroughly versed in the agricultural
conditions of the entire country all
agree that the area of development has
shifted from the West to the South.
Because of its spendid location and
valuable natural and acquired advantages,
Newberry county is bound to
share largely in the influences which
must in their very nature build up and
develop, influences which the promoters
of the Security Loan and Investment
Company have wisely foreseen
and estimated at their true worth, and
which will be best promoted and fostered
by just such an organization as
they have effected, now so well eS tabHe?!!
a,* o-n/J c-a /^ARPrVftdlV DOTHllaT.
CUiU v* www- v
Organized and incorporated under
tlie laws of South Carolina in March,
1905, the career of the company has
been one of prosperity. The scope of
the operations of this concern may be
said to include three departments: Real
Estate, Loans and Insurance. In the
real estate department are lists of
farms and town property for sale in
Newberry and its vicinity; also inquiries
and requests from persons living
in all parts of the country who desire
to invest in city real estate and
farm property in thi# vicinity. The
service brings buyer and seller together
promptly and offers the advantages
of a number of buyers for all property
placed on sale with this company. The
plan of selling farms on such liberal
terms as to enable farmers to procure
and pay for their land out of the yearly
earnings they make upon them is one
that has proved exceedingly satisfactory.
The company's modern method
of building loans has met with much
favor among its patrons. By this
method a borrower can place with the
company each month a certain sum of
money and receive fixed returns on the
same. In other words, while he Is
saving the money to pay off the
amount borrowed, he is at the same
time receiving a definite amount of interest
on the money which he is accumulating
to pay off that loan. In
the loan department loans are made
for which the security is a first mort
gage on real estate. Tne company examines
titles to the property on which
mortgage is given, sees that taxes are
promptly paid and insurance kept in
forct.
The insurance department offers the
very best features of modern methods
of insurance, in policies backed by
organizations strong in their financial
. resources, prompt and faithful in the
fulfillment of their obligations and
whose records in these respects place
them among the popular and prosperous
institutions of the country, being
' * ?1? fil'rv
regarded as tnorougmy repiwcuun-ivc
in every particular. This agency,
therefore, in the very nature of things,
must reflect t'ie characteristics of its
component parts, financial strength,
promptness and fidelity in the settlement
of losses, and the most approved
and reliable insurance methods generally.
During its career the agency has
"been built up from its first policy until
today its books contain the names of
many of Newberry county's leading
farmers, business men and citizens
general!}*, who feel secure under its
protecting influences, and who know
from their own experience and the experience
of their neighbors and friends
that losses will be settled promptly,
without quibbling and without recourse
to litigation and the law's delays. The
companies that compose the agency
are among the strongest doing business
in the United States, among them
being the following fire insurance
companies: Liverpool and London and
Globe, North British and Mercantile,
Royal Exchange, Royal, Franklin Fire
of Philadelphia, Philadelphia Fire, German-American,
Providence Washington,
Southern Stock, the American
Home of Greenville, S. C., Security of
Hartford, and the Equitable Fire of
Charleston. In the life insurance department
policies are issued in the
-* ** j
Prudential and the Southern Lire anu
Trust Company. Through the Continental
Casualty Co. health and accident
policies are written: bonds and burglary
insurance is placed through the
'
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I. Wholesale Grocery *
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and Investment Company's Offiee.
Royal Indemnity Co., and steam boiler
protection is furnished through the
Wnvrfnrvl gfonm ttniW Inspection aild
Insurance Co. So from this it will be
seen that the Security Loan and In!
\estnie.it Co. covers effectively the
i whole insurance field. The company
also buys notes and mortgages, stock
j and bonds and other negotiable paper.
I The management of the affairs of
the Security Loan and Investment
Company is entrusted to a representative
board of directors and the following
officers: President, Dr. 0. B. May^
W A \f
erj nrst viue yicsiucm, i?. ??
Swain; second vice president, John M.
Kinard; secretary and treasurer, J.
M. McCaughrin; manager life insurance
department, R. M. Werts. Directors?Geo.
S. Mower, W. H. Hunt, John
M. Kinard, W. A. McSwain, 0. B. Mayer,
J. H. West, Z. F. Wright, G. W.
Summer, J. N. McCaughrin, I. H. Hunt,
J. B. Hunter, J. S. Keitt, S. T. McCravey
and J. H. Hunter. They are
among Newberry's representative citizens
and because of their established
integrity and reliability enjoy the conatiH
<->f all the oeoole of
cvxxv* vktwv*-. w- v.? ^ _
this section, amongst whom years of
constant association have built up a
large acquaintance and a splendid following.
Their identity with the company
insures the most reliable and
thoroughly courteous relations and a
service prompt and true to the interests
of patrons?qualities which have
made it a valuable acquisition to the
community, and a popular and prosperous
organization generally.
R. D. SMITH & SOX.
Wholesale Grocers and Commission
Merchants.
In the preparation of an illustrated
trade and industrial edition of Newberry,
one finds that in the past few years
constantly increasing sales and patronage
and growing stocks have been
the usual experiences of those engaged
in all lines of retail merchandising,
but the investigation becomes all the
more interesting when the reports of
the wholesale establishments are
reached, for their progress has even
j
"been more pronounced anu mure suiting,
indicating thereby that the town
in many respects has become independent
of all other markets, and is
itself the source of supply for afl the
surrounding country. This latter observation
is suggested and confirmed
, by the achievements in trade building
of R. D. Smith & Son, an enterprise
which had its inception in a small way
in 1S96, when R. D. Smith began supplying
the local grocery trade. The
business grew rapidly and it was not
long be ofemrore commodious quarters
were necessary, a new warehouse being
erected for the purpose. With the
admission into the firm of R. D. Smith,
Jr., additional strides were made and
1 ?V.tr 1 AO rkr? o n H
tne business uas u.v u^u
bounds. It is upon such progress that
Newberry's importance and popularity
i securely rests, such results as these
being secured only by methods that
are a combination^ of aggressiveness
and enterprise, blended of course with
' the principles of integrity and reliability
in all trade relations and which are
the very essentials of permanent suc'
cess and progress. Today the patrons
of R. D. Smith & Son are found among
i the successful retail merchants of this
entire section, who have discovered
and appreciate the advantages this
concern offers in more intimate tra'de
j relations, in closer proximity of the
wholesale source of supply, in reliability
of methods and prices and general!
ly speaking in the confidence inviting
manner of doing business. At their
storequarters and warehouse along the
i railroad tracks, R. D. Smith & Son
I .mnetontiv in iot? of one or more
I ucti i y i^v/aouiunj ***. ? ? _
! car loads complete stocks of canned
! and bottled goods, teas and coffees,
! extracts and spices, soaps and laundry
; supplies; sugar, molasses, vinegar,
; and all heavy commodities, candies and
I confections, cigars and tobaccos,
breakfast foods and all articles, in a
word, in the grocery line. These come
direct from the' original sources of
: supply in consignments that secure
' the lowe?t fractional prices at the
| warehouses of importers, manufacturI
ers and producers, so that the business
is conducted on the lowest possible
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f: >%%
j
of B. D. Smith & Son.
r i
level of cost laid down in Newberry.
The stocks abound with well establish
ed names and trademarks, indicating
thereby the policy of the management
to handle standard goods?qualities
that are recognized the world over,
i Among these are the Hudnut grits,
: Peerless meal, Roller King and Verii
best flour, Snowwhite compound lard,
j Corno hen feed, Corono horse and
1 mule feed, Stafolife feed, the Arab
i fpprl tho .Tnhn R. Mevers New Orleans
molasses and many other well known
productions.
R. D. Smith and his son, R. D. Smith,
Jr., compose the firm. The former is
j cashier of the National Bank of Xewi
berry, while the latter is in active
' control of the business. Young, ener|
getic, and enterprising, Mr. Smith
| overlooks no opportunity -to extend his
! trade and popularize his establish!
ment, for behind all his representa|
tions are ample stocks, bed-rock
i prices, reliable methods and the most
satisfactorv trade relations generaliw
?
THE COMHEKCIAL BASK OF SEWimuikv
i>c.n ni.
A home enterprise in every sense of
I The word, having been promoted, or!
ganized and conducted by Newberry i
! county people, in order to establish in
| the community greater financial facilii
ties and a more liberal service in
monetary affairs consistent with the
! principles of sound banking methods,
the Commercial Bank of Newberry j
adheres with fidelity to the equitable i
policies adopted and enforced since its j
inception, in 1896, and in consequence '
grows daily in the esteem and confidence
of the public. At this institution
banking accommodations are ad
justed to popular needs, and for that
reason it is becoming more and more
generally known as a home hank.
This institution is appropriately
called the Commercial Bank because
its stockholders, directors and officers
are citizens of Newberry county, the
j majority of whom are business men
vf established standing 2nd all of
I whom reside in the county, afid as
property owners they share in common
with patrons many sympathies
and influences affected, generally
sneaking:, by the same conditions and
environments. It is the "people's"
bank because it belongs to no one
man or select group of men, for, following
the liberal ideas of its promoters
to have many share in its profits
the stockholders of the Commercial
Bank of Newberry can be found ail!
over the county and are therefore in
constant association with its home
people. In its organization this insti- 1
tution possesses every feature essential
to promote ana maintain security, j
for this quality is essential to the sue
cess of every banking enterprise. This
Quality of security has been secured
and maintained by ample capital, sup- j
plemented by a surplus and profit ac- j
count larger than that of any bank in j
the county, by the bonding of execu-l
tive officers for the faithful perfor- J
mance of their duties conscientiously, i
especially in loaning out money; and,
by burglar and fire proof safes and
vaults which are -an important feature ;
of the equipment. The Commercial'
Bank does a general banking business |
and maintains a service which is;
! prompt, obliging and accommodating j
i and in wliicli the most approved memj
ods of modern banking are constantly
I reflected. The institution receives
j money in any amount for deposit,
j makes' loans on satisfactory signatures
I or collateral, discounts approved i
i paner, issues exchange on all the
: principal money centres and makes!
I collections and reports same promptly, j
It also maintains a Savings DepartP??^?????j
WD HHUHB
I
John ]?. Klnard, President
ment allowing patrons 4 per cent, interest,
compounded semi-annually.
From a report made to the State j
Bank Examiner on February 20, 1912,!
as required by law, the following
(figures are taken:
Capital stock $ ."0,000.00 ;
Surplus and undivided profits
6S,3 IS. 49
'Deposits 387.209.00
Total resources 507,005.49
It is worthy of mention in this con
nection, being suggested oy ine aoove
! showing, that the Commercial Bank ;
is in full possession of the distinction;
of having as one of its great sources
of security the larjgest surplus of any j
bank in Newberry county, and this is '
an inducement "which always influences j
I the prudent and conservative person
! "when the question of selecting a bank
Ms being considered.
i The executive officers are: Jno. M. i
! Kinard, president; Dr. 0. B. Mayer,
j vice president; J. Y. McFall, cashi
ier; R. H. Wright and R. L. Tarrant,
i assistant cashiers; Floyd Bradley,
bookkeeper; Hunt, Hunt & Hunter, attorneys.
The directors are: Jno. >1.
I Kinard, president; 0. B. Mayer, presiI
dent Security Loan and Investment
! company; L. w. Floyd, general manager
Newberry Cotton Oil Mill: Gpo.;
S. Mower, counsellor-at-law; Z. F.!
Wright, president Newberry Cotton
Mills; J. H. West, merchant; W. H.
Hunt, president Oakland Cotton Mills;
F. Z. Wilson, vice president Newberry
Cotton .Mills and insurance; and ,J. Y.
McFall, cashier; Hunt, Hunt & Hunter,
attorneys. All of the above individuals
are men of established integrity
and reliability and possess much
valuable knowledge and experience in
the management of financial matters,
as a result of which they have been
successful in their own individual enterprises.
In their hamds all the elements
of security, atbove enumerated
will be carefully enforced and safeguarded,
to the end that, the splendid
carer of fidelity and reliability which
the Commercial Bank has achieved,
and which h:ts been so satisfactorily
tested in the years of its existence,
will continue in future days and years
to be the leading and popular feature
of tnis, as of all successful banking
ertorprises.
Tht building occupied by the Commercial
Bank is equipped with fire
proof vault in which are contained a
burglar proof safe and deposit boxes,
the latter being rented ;o patrons at
rnmiTi-gl Azures for the safe keeping
i _ t-i _ ? ny->rl ian-olrv
of their vaiuauie yapei^ unu
A home enterprise. this institution
gives preference, all other things being
equal, to loaning money to home
people, and this policy is exercised
with a view of promoting local development,
which in turn advances directly
or indirectly the interest of all
.
'
I S
J. Y. McFall, Cashier.
the people of the community. So, in
view of the facilities and advantages
which the Commercial Bank possesses,
it offers every inducement consistent
with safe banking and solicits the accounts
of business men, corporations
and individuals, offering its past record
as a guarantee of the most cordial
and an efficient service, so highly appreciated
by a large, incr-asing and
representative patronage, and emphasizing
the slogan which has been in
use for ten years?"The Bank That
. . Ww,, -Rio-hf "
Always 1 I trcLLS JLV/U
C. C. DAVIS.
Contractor and Builder?Dealer in
Lumber, Sash, Doors, Cement,
Builders' Hardware and
Supplies.
The progress that has been made ia
building construction in our day when
5 k; v, ? +>10 hoef r\f sani
tne aire is lo uumu.mc ~?
tary conditions with architectural
beauty in design and finish makes it
imperative that the mechanic or builder
who hopes to achieve success must,
to his skill in the use of the saw, pl<uie
and compass, add a knowledge of the
science of architecture and the principles
of mechanical engineering in order
to interpret correctly and build up
to the letter and designs of both plans
and specifications in all important
work. In all of these elements C. C.
Davis is well equipped, for he has been
engaged in building construer.on in
Newberry the past 29 years. During
this time he has built many of Mie important
structures, besides hundreds
of dwellings and improvements generally
that have been added in the structural
lines. A few only of these will
be given and'these only to show the
frnm whiVh rflflntri:ition is
OUU1 a- A Will
constantly forthcoming ("or hi.; services
and his ability and Rapacity geneially
as a contractor anA b lilder. lie
erected the first two b'lilriuigs of the
Xewberry Cotton Mills, the last of the
Mollohon Mill buildings, and, in conjunction
with his uncle, the Piedmont
Mills at Greenville and Pelzer No 2
Mill at Anderson, one at Sumter and
one in Chester county. As Mr. Davis
expresses it, he grew up building cotton
mills.
"1~ ~ - TTO r?s3rt r./io?1
ill nis warcm/uscs auu ,>a.iuo uv??
the Newberry Cotton Mills, Mr. 1/avis
carries a full line of builders' material,
including sash, doors and blinds, builders'
hardware, lime, cement, brick,
plumbers' supplies and everything;
needed in building construction. Estimates
are made promptly on all material
bills in strict conformity with
specifications and delivery made as
promised without risk of disappointment
or costly delay. With his lumber
yards, milling facilities and the other
materials carried constantly it can be
seen that demands can be supplied at
once.
Thoroughly, practical in all depart
ments, Mr. Davis spends nis enure
time supervising the efforts of a force
of workmen, so as to insure in every
respect a satisfactory service and the
very best conditions to maintain a
reliable source of supply. As a result
of these excellent facilities possessed
an established patronage has been
built up.
As a citizen and mechanic C. C.
Davis has always been esteemed for
that quality of reliability which char5Atori7ci<!
hie rplatirms nnrl which, with
pronounced integrity, mechanical skill
and valuable practical experience, surrounds
him with advantages which
create and foster confidence. As a result,
as has already been shown, his
patronage comprises the leading property
owners in this immediate section
and in distant towns?a fact w;hich
alone establishes his standing as a
builder and contractor.
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I
Store of the Shi
i ?
THE SHELLEY-WHEELEK CO.
Furniture and Household Goods.
J An establishment whose comprehensive
stock equipment contains facilities
for furnishing a home complete,
every room and every department,
; from the kitchen to the attic, the Shel!
ley-Wheeler Co. is among the popular
and progressive of the retail enter!
prises doing business in this section,
possessing as it does a large patroni
age and an enviable reputation for the
: most satisfactory trade relations. In
j buying for the trade this concern deals
J direct with the manufacturer, eliminat!
ing the middleman and his profits and
| giving these profits to patrons by quot1
ing inside and bed rock prices. The
i Shelley-Wheeler Co.'s atore quarters
j occupy one entire two-stoiy building,
! and a store room 33x100 feet, giving
1 a floor area of 9,900 square feet every
I inch of which is crowded with houseI
nf ^verv description. On
i Axvrxvc WA> ? v !
these floors are found in a variety of
| grades from the medium to the high
I class everything to furnish the home,
including bedroom and parlor suits,
I couches in a variety of upholstered effects,
wardrobes, library cases, hall(
! racks, chiffoniers, china closets, side|
boards, extension tables, plain and en!
ameled metal beds, mattresses, bed
snrintrs. chairs of all kinds, and every
thing in the furniture line. Then there
are collections of the best types of
cook and heating stoves and ranges,
the productions of the leading .makers
; of the country in a variety of styles,
sizes and prices, for the Shelley'
Wheeler Company is the local agent
' ! for the famous Bucks stoves and
! ranges; the Johnson-Slocum Co.'s Sre'
j less range, the White Mountain re|
frigerator and the Bernstein three1
piece bed; china ware, both foreign
land domestic, including a number of
beautiful assortments of hand-painted
1 creations, pictures in a variety of ar
tistic and appropriate subjects for
home decoration, neatly framed, and
the best values on the market, in the
latest designs and shades, in carpets,
rugs, matting, oilcloths and linoleums.
Conducting a cabinet shop in connec- j
tion with the business the company is
prepared to repair, upholster, and reI
novate furniture, renewing its service
j and making it look like new.
I This business dates back to Octob;
er, 1902, when it was established unj
der the firm name of Shelley & Dean,
| as the pioneer furniture house in ths
county, which was succeeded a year
j later by Shelly, Dean & Summer. In
1904, through the death of R. M. Dean,
' | the firm name was again change to
Shelley & Summer, and in 1909 was incorporated
as the Shelley-Wheeler Co.,
Messrs. J. D. Wheeler and J. J1 Lang
' ford having acquired the interests of
Mr. Summer. As at present constitui
ted the officers of the company are:
J. D. Tyheeler,*president; J. J. Lang!
ford, vice president; W. H. Shelley,
secretary-treasurer. Mr. Shelly is a
native of North Carolina, but has been
; here since 1894, being a member of
i the board of aldermen. Mr. Langford
" ~c XT Ulr^
i is me mayor ui wcwucnj, emu
Mr. Wheeler, is a native of this county.
They aie all among Newberry county's
representative and popular citizens,
enjoying the confidence and esteem of1
: the people because of the strict integ- j
j rity <1 reliability which characterize
all their relations, and which have
been thoroughly established during
years of successful business activities
i in this section. In the building up of
their present enterprise they have
' striven to establish the most favorable
| market conditions at home and that
: their efforts have been appreciated is
i best evidenced by a large, select and
'la constantly growing patronage,
I whose needs are quickly and satisfactorily
supplied by a stock equipment
which in price and assortment offers
, and maintains the best of city advanItages.
! W. G. MATES.
!
i Druers and Toilet Articles, Garden
Seeds, Etc.
Mayes' Drug Store is among the
i
i ... ' .
I
Drug Store o;
^
elley-Wlieeler Co. ,'
4
well-known and popular of Newberry's
! retail interests. Its popularity rests
solely on the fact that this establishment
possesses all the essentials of a
first-class pharmacy, viz: A large and
complete stock equipment, made up of
pure and fresh drugs and standard
productions generally within the province
of the drug line, and a prescription
service noted for its accuracy, reliability
and strict integrity in the
! compounding of medicines. The first
essential any one can verify by a visit ?
to this pharmacy, for attractively ar!
ranged on shelves and in show cases
; are a complete collection of fresh and
| pure drugs, all the leading proprietory
medicines, druggists-' suuiries, surgical
supplies and dressings, perfumes,
j and toilet articles, cut glass and other
novelty goods, cigars and tobacco and
a double innovation soda fountain
which dispenses cool and refreshing
beverages, flavored with the purest
and richest of fruit syrups. The second
essential is found in the experience
and consequent knowledge pos- *
sessed by W. G. Mayes, the owner of
the business, whose genial methods ^
have surrounded him with a select and
an influential following. As illustrat- ^
ing the efforts of the management to
give to Newberry a first-ciaas service,
it is only necessary to point out that
Mayes' Drug Store is headquarters for
Adler-I-Ka, a preparation for appendicitis
and stomach trouble, Guth's chocolates
and confections, the Nyal line
of remedies, which are specifics for a
wide range of maladies and are sold at
popular prices, and which line embraces
preparations covering all the
ills of mankind. Special attention is *
given to the filling of prescriptions,
the service embodying the features or
accuracy, reliability, and scientific efficiency,
this department being in direct
charge of Dr. Mayes, who is careful,
correct and conscientious in the
filling of prescriptions. The Mayes'
Drug Store was" taken over by its present
proprietor 12 years ago and has #
always been a popular resort As
owner and manager of this business
he has built up a large and select following,
for purity, efficiency and
promptness are the features of the
' service, always and ever supplemented
I by courtesy and the other kindly spirit
1 of a-DDreciation.
j
When you feel ?5E3"?? <
rous, tired, worried or despondent it is a
! sure sign you need MOTTS NERVERINE
[ PILLS. They renew the normal vigor and
! make life worth living. Be sure and ask for
! Mott's Nerverine Pills
WILLIAMS MFG. CO.. Frop*., Cleveland, Ohio
0 i
*
(rood tbip winter toumst
FARES
i
NOW IN EFFECT
ria
SOUTHERN RAILWAY?"PREMIER
CARRIER OF THE SOUTH."
Tickets on sale daily including April
30, 1912, with final limit returning May
31, 1912. For complete information as
to schedule, sleeping car service, etc.,
! caH on nearest Southern Railway
ticket agent, or
F. L. Jenkins, T. P. A.,
Augusta, G&. ^
J. L. Meek, A. G. P. A.,
Atlanta, Ga.
! " Wl
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IbhHHB ? Tn^^BI 1
r
mm??r?????1
i W. G. Xayes.
'!$!?