the person to any employment which the association may need; also when the holder of the certificate has paid in $52, his or her certificate will be [Pg 52]indorsed as a paid-up certificate; and the holder will cease to pay any further dues; and on this certificate he or she draws annual dividends of all money, over the current expenses, and when the husband dies the wife receives the same; when the wife dies the children take up the same certificate and [Pg 53]receive the same dividends as long as one of them is living. Single persons holding certificates receive the same privilege, and when they die, whoever they designate will take up their certificate and receive the same dividend.

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   E. W. JACKSON, ORLANDO, FLA. First-class Photographer. 

E. W. JACKSON, ORLANDO, FLA. First-class Photographer.

Already $35,000 worth of stock has been taken. The association now has two coal yards running, four teams and 14 persons employed. It will open a brickyard and stone quarry in East Liberty this spring and employ 125 men and 40 teams. It will open coal yards next fall in Allegheny, Braddock, and McKeesport, Pa. Men, women, boys, and girls are asked to take shares. You pay 10 cents for a share, then 10 cents a week. After two years you can, if you wish, draw your money out of the association. You can also borrow money out of the association. Rev. J. H. Thompson, 38 Arthur Street, Pittsburg, Pa., is the President and General Manager. The Afro-Americans will watch the workings of this association, and if it proves a success similar associations will likely be established in other sections of the country. (Star of Zion.)

NEGRO BANKS.

The Nickel Savings Bank, of Richmond, Va., is a prosperous financial institution of which Dr. R. F. Tancis is President. It affords an excellent [Pg 54]opportunity for the saving of small earnings and is being liberally patronized.

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The Alabama Penny Savings and Loan Company, of Birmingham, Ala., has a capital stock of $25,000, in shares of $5 each. Interest is paid on time deposits. The company was incorporated February 16, 1895. Officers: W. R. Pettiford, President; P. F. Clark, Vice President; B. H. Hudson, Cashier.

The Capital Savings Bank, of Washington, D. C., has $50,000 capital. Officers: Hon. John R. Lynch, President; James T. Bradford, Vice President; L. C. Bailey, 

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