IN BANKING REFORM Congressman McCleary Discusses Basis for Circulation. PLAN OF THE COMMISSION Notes Issued on Commercial Assets 3 Proper and Safe System-—The Redemp- tion Fund Another hIeans of Security-- The Cominission’s Plan a Safe,0ne. Washington, Jan. 11.—The proposi- tion of the Monetary Commission, that the banking circulation of the country be based on commercial. assets, under proper safeguards, instead of on Unit- ed States bonds, has caused some in— quiry as to just what is meant by “commercial assets.” The question has been answered by Representative Mc- Creary, of Minnesota, who is a mem- ber of the House Committee on Bank- ing, ard has given much study to the subject. . ”The business or commercial assets of a bank,” Mr. McCleary said, “consist of its commercial paper coming due at various times. The whole assets of a bank, of all classes, include all forms of indebtedness due to the bank. The distinction between commercial assets and those of other classes is that the commefjcial assets usually represent business transactions between mer- chants, and in any case consist of notes due within a short term. Taking, for the sake of illustration, the reports of the national banks of the United States on Oct. 5, 1897, the total assets of all classes were $3,705,133,707. The largest single item was “loans and discounts,” which amounted to $2,051,009.438. The other leading items were the United States bonds on deposit with the Treas- ury to secure circulation, $227,483,950; stocks and securities in the possession of the banks, $208,831,503; demand debts due from other national banks, $155,- 980,447; due from approved reserve agents (the banks in the reserve cities where the country banks carry a por- tion of their fundS), $297,017,805; specie, $239,387,702; and legal tender notes and certificates of deposit for legal tender notes, $149,494,929. It is the item of “loans and discounts” which consti- tutes the backbone of the commercial assets of a bank. The other items are mostly recoverable in cash on demand, and a large proportion consists in cash actually in hand.” Available Resources. "But how are these resources avail- able for the protection of note issues ?” was asked. ~ . “Substantially all the assets of na- tional banks,” was the reply, “except necessary buildings and fixtures, which stood on Oct. 5, 1897, at $79,113,954, are quick assets, or should be such. It is when they cease to be quick assets by becoming unmarketable and losing their computed value that a bank is driven into embarrassment. The loans and discounts include the advances made in currency, bank notes, or bank- ing credits, which are represented by’ the notes in most cases are based upon actual transactions in merchandise, which constitutes a security for the re- covery of the loan, although the mer- chandise is not specifically pledged, as in the case of property represented by a warehouse receipt. Where the loans are not based upon transactions in merchandise, they are based upon the credit and property of both the maker of the note and the indorser, so that if one proves incapable of meeting the obligation at maturity, recourse is had to the other." "How much real strength does this give to the bank notes issued under such a system?” "‘The bank has maturing daily a cer- tain proportion of the notes which it has discounted. The amount thus ma- turing daily in the United States at all the banking institutions is estimated at $25,000,000. A bank which needs to in- crease its cash reserve, therefore, has only to diminish its new loans from day to day and husband the cash re- ceived from those which mature. As most of these loans run for not longer than ninety days, the average daily collections cannot be less than one- ninetieth part of its whole outstanding discounts, and would amount in a week to about 8 per cent. of the amount. As many of the loans are for sixty days and for shorter terms, the actual col- lections would be a much larger pro- portion of a whole volume of commer- cial assets.” A Safe Plan. “You consider then the plan of the Monetary Commission an entirely safe one, from the standpoint of the note- holder?” “In dealing with the question of cir- culation alone," answered Mr. Mc- Cleary, “the essential question is whether the assets are sufficient to cover the notes, and it‘ is obvious that they are many times more than suf- ficient under the plan of the Monetary Commission. That plan makes the notes a first lien upon the assets, so that they must be paid before any other charges are met. The plan of the commission, moreover, provides that there shall be kept in the Treasury of the United States a redemption fund, raised by a tax of 5 per cent. upon the volume of notes in circulation not cov- ered by United States bonds. This fund is to constitute a common resource, out of which the notes of failed banks are to be promptly paid, pending proceed- ings by the Government to recover the amount from the assets of the failed bank. The noteholder thus secures the immediate redemption of the note, without loss or delay, while the Gov- ernment has not only the great'sum raised for this purpose from all the banks, but the first claim upon the as- sets of the failed bank for the amount which it has withdrawn from the safe- ty fund for the redemption of the notes.” Electrocuted at Sing Sing. Sing Sing, Jan. 11.—The electric cur- rent éut short a. prayer on the lips of Hadley Adolphus Sutherland. the col- ored boy, scarcely twenty years old. who killed his sweetheart in Brooklyn last March, and he died in the execu- tion chair at twenty-three minutes past eleven o’clock yesterday. He exhibited a wonderful nerve, though he was en- "re“;v me from bravado. The execu- * ‘l ; ~. iw-fectly successful. Suther- ’ .g the deathbolt within .ilnute after entering the ... rme ’9 ..~.'. u. ~er * ment yesterday afternoon, Imust be investigated. , day afternoon. WEEKLY-NORWAhK-GAZETTE, SEIATORIIINNA WINS Gets Seventy-Three Votes on the First. Ballot at- Columbus. JOINT CONVENTION TO-DAY The Legislature “rill Meet and Ratify the Vote of YesterdaynDemocrats Are Not United and Supported McKisson, a Republican--Bribery Charges Denied. Columbus, 0., Jan. 12.—Marcus A. Hanna has won. A vote on the Sena- torship was precipitated ahead of time yesterday noon, and Mr. Hanna re- ceived 73 votes in both houses, just enough to elect in the joint session of to-day. The suddenn‘ess of the result was a great surprise. In the House fifty—six Republicans voted for Hanna. Lane and Droite, the fusion Republicans from Cincinnati, voted for Hanna. Joyce, Manuel and Griffith, who voted /. _, “/1, I ”/ut'; l/tI‘ . [41’ ' "(’4 . ___\ .‘ \\ SENATOR MARK A. HANNA. against Boxwell, voted for Hanna They were the three who broke away from the Kurtz combination. There was a burst of applause when Griffith ofUnion voted “Hanna.” He is the member whose wife was so un- pleasantly drawn into the contest. Democrats Divided . The democrats were not They had been divided by ex-Senator Brice’s agents, who have been work- ing for Hanna for several weeks. Gen. Wiley of Wooster voted for John J. Lentz, the Columbus Congressman. Hazlitt of Crawford voted for Wiley. Hess of Shelby voted for Gen. A. J. W'arner of silver fame. The ballot stood: Hanna 56, McKisson 49, Lentz 1, Wiley 1, Warner 1 and Marcus A. Hanna was declared the choice of the House for the short term, ending March 4, 1899. The vote in the House on the long term was the same. In the Senate, McKisson received the solid Democratic vote, 19, and Hanna 17, including Voight, the Republican fusionist of Cincinnati. McKisson was declared the choice of the Senate for Senator for both terms This makes necessary a joint ballot to—day noon, and the result will be Hanna’s election. He will receive his commission at once from Governor Bushnell. There was a grand rush of Senator Hanna’s friends to his headquarters. He was overwhelmed with congratu- lations and forced to make a few short speeches. Thus is practically ended the most exciting Senatorial contest ever seen in Ohio. No More Fighting. The Kurtz combination will not make any further attempt to disturb the result to-morrow. Rather it is ex— pected that on the final roll call the Democrats will vote for a Democrat, and some bolting Republicans will go to the party’s choice. The Kurtz fol- lowing blame their defeat on ex-Sena- tor Brice. That shrewd manipulator has re—established his hold in Ohio politics from now on. His agents, Hull, Layton and Dowling, have been working with Hannna’s managers for months, and it was through the efforts of Hull and Layton that the Demo- cratic vote was divided A remarkable scene took place in the Senate chamber when the vote from the House was announced. The Re- publican Senators inspired by the en- couraging news, stood in their chairs and upon the floor and shouted them- selves hoarse with calls for Hanna and victory. Nothing like it was ever seen in an Ohio Senate chamber. At 12.15 the House adjourned and the hall was used for a jollification meet- ing with .the crowd singing “Praise God from Whom All Blessings Flow." Regarding the alleged attempt at bribery in Cincinnati, Senator Hanna has issued the following statement: “I deny having authorized any agent or representative of mine to make any offer to Representative. Otis or any other member of the Assembly. I never sent any mantto Cincinnati to see Mr. Otis. I have never known or seen ‘Mr Boyes’ in my life, and have had no transactions with him. The whole story is false from beginning to end." Bribery llIust Be Investigated. Columbus, 5., Jan. 12.—-—The bolting Republicans here issued a signed state- in which they declare that ,the bribery chages They say that they will vote for Hanna if the charges are proven untrue. The statement is signed by all the anti—Hanna members. Blo’od Roison in the Razor. Trenton, N. J., Jan. 12.—-Davis P. Hunt, of 1008 Clinton avenue, is in a JD- united. - BUSHNELL INAUGURATEofi-TT- . Exciting Deny in Columbus-LOpposition to Hanna Still Confident. Columbus, 0., Jan. 11.—Yesterday was the most exciting inauguration day ever known in Columbus. Long be— fore noon the streets were thronged with people, who poured in from every direction. At noon railway officials es- timated there had been 5,000 arrivals since Sunday. The Bushnell badges were in the majority. During the fore- ncon the State House was surrounded by people yelling for Bushnell. As it was impossible for the crowds to get inside the Capitol Building, the Governor was called into the grounds. where he addressed the multiutde and received in review one delegation after another. These demonstrations con- tinued until noon when Governor Bush- nell was escorted to the veranda of the State House. The floral designs were elaborate. . The Legislature reconvened yester- day morning, and the inauguration of the government occurred shortly after noon. The inaugural address of Gov- ernor Bushnell was short and con— tained no reference to the contest for the Senatorship. Although the balloting begins in both branches of the Legislature to-day, it is settled in advance that there will be no election at that time. The Senate will stand 19 to 17 against Hanna, and the House will likely give him a ma— jority of one or more. If the opposition to-day shows the strength it claimed yesterday and casts all its votes for one man, there will be an election, as it would then have a majority in both Houses'on Senator, as it did have on organization one week ago. The opposition still claims the House by at least 55 to 54, which would make the General Assembly stand 74 to 71 on joint ballot against Hanna. Hanna Agent Accused of Bribery. Last night’s sensation in the Sen— atorial fight was the charge of bribery made against Hanna‘s agents. The charge is that Henry Harrison Boice, of New York, representing Hanna, en- deavored to bribe J c'nn C. Otis, an anti- Hanna Republican member from Cin- cinnati. To suport this charge the anti- Hanna managers have what they claim to be stenographic reports of telephone conversations between Rathbone, one of Hanna’s managers, and Boice, who, it is alleged, was sent to Cincinnati to buy Otis’s vote. They also exhibit in handwriting resembling that of Boice a receipt for $1,750, which was to be the first installment paid to Otis. OFFERS FITZ $35,000. Crobett lifakes This Renlarkable Offer for a Fight to a Finish. St. Louis, Jan. 11.——In the second act of his play in this city last night Jim ~ Corbett announced that he would give $35,000 to Fitzsimmons to fight him, the. entire sum to go to Fitzsimmons if he fails to put him out in ten rounds. The house simply went wild. Men stood up on the seats and cheered and howled as if they suddenly had gone mad. Never before in the history of pugil- ism has such a proposition been,made by one fighter to another. Men have endeavored to taunt each other into a fight, and even have gone so far as to give or offer to give $1,000 to get an- other in the ring. But the offcr of $35,- 000 for a fight—win or lose—was un- dreamed and unheard of. At the close of the theatrical per- formance Corbett gave out his formal challenge. In it he says: ”As a last inducement to overcome your obvious reluctance to meet me again, I will make that proposition still more favorable. Thus: A purse of $35,000 stands ready to be offered as a. prize for a. meeting in the ring with you. To this I will add $10,000 of my own, conditionally, that you agree to box me to a finish. This makes $35.- 000. “I offer this entire sum if I fail to stop you in ten rounds—with twovpro- visions, viz.: “First, That the contest must con- tinue to a finish; and, "Second. That I shall have something to say in regard to the appointment of a referee, who will not be unfairly prejudiced in your favor. - “This is my final proposition. Take it or leave it. If you really want fight, it offers. A sum 5 ready exceeding your gross receipts in five battles. If you want reputation, you can make it better by meeting me than by meeting all others together. If you doubt this, ask the public each night when you ex- hibit. FITZ WON’T SIGN. Julian Repeats That Corbett Must Fight Muller First. St. Paul, Jan. 11.-—-It now looks as it Dan Stuart had made a trip to this city for nothing when he came here to get Bob Fitzsimn'lons to Sign articles for another fight with Jim Corbett. Af- ter much trouble he succeeded in get- ting hold of Fitz. although he is stop- ping in the same hotel with him. The champion told him to see Julian. IVhen 'Stuart did see the pompous manager, critical condition at his home. surfer- . ing from blood poisoning. He claims his condition is due to a cut received , while he was being shaved. Hunt says he was in the habit of getting shaved very close, and in so doing he says his. barber cut him in the lip, and that poi- son from the razor or the soap had in- fected the blood. Honor for Miss Long. lVashington, J’an. 12.———Miss Helen Long, daughter of the Secretary of the Navy, will christenfihe first Japanese warship to be launched in the United States. The ceremony will take place at Cramps’ shipyards on the 29th inst. The cruiser is to be named Kasagi. Bank President Shot. ., Butte, Mont. Jan. 12,—P. A. Largy, president of the State Savings Bank, was shot and killed in his office yester- The crime seems to be the outcome of litigation. 4; I I z I . , '._.. ys. he repeated what he has said so often, that“ Corbett will have to beat-Mabel before Fitz will give him another go. Stuart had in his pocket articles of- fering $15,000 for a light to take place on Aug. 10. Julian said he didn’t care to see the articles, as they wouldn‘t sign unless a clause was inserted pro- viding that Corbett would fight Maher before he can expect a go with Fitz- Simmons. Secretary Alger Seriously Ill. Washington, Jan. ll.-——P.ussell A. Al- ger, Secretary of War, is seriously ill. His condition yesterday became so alarming .that Dr. G. Lloyd Magruder, a specialist, was tailed into consulta- tion with Surgeon Wood, the Secre— tary’s physcian. Gen. Alger’s disease has been diag— nosed as’typhoid fever. He has been confined to his residence for .fmn- weeks. - It was first said that he had a mild attack of me grip. Within the last few days it has been admitted that he was‘sufferlng from a low grade to v c 1‘. Dial with Gold Tied it; Eliza. VVilkesllarre, Pa., Jan. 11.-—-Patriek Kearney. who led a hermit life, was found dead at his home in I’iltston yes- Icrday. He had been dead several A bag Containing $100 in bulk! was, foundtied. ardund his 'bgdy. A Wine-Inspired Boast Led Him to His Fate. HE HAD NO FLAG OF TRUCB New Proposals from General Blanco to the Cuban Provisional Government Frann- ing in Havana Under Gen. Lee--Ruiz Warned by Amnguren. New York, Jan.’ 11.—The true story of the fatal mission of Lieut.-Col. Ruiz to Col. Aranguren’s camp was t d for the first time in this city yester ay by one in possession of all the facts. In a word, it is said that Ruiz boasted in his cups that he would bribe the Cuban leader, was jeered by his companions and went to certain death to make his word good. It began at a dinner of Spanish offi- cers in Havana. Every one had been drinking freely and the wine began to talk. Some one said that every Cu- ban had his price. Ruiz declared that he could bring Nestor Aranguren to Havana within a week. “You dare not try,” laughed one, forgetting the orders of Gomez, known to every Spaniard in Cuba, that it meant death to offer terms to any insurgent. Ruiz’s honor was touched by the remark, and he made a wager that he would carry out his proposition within ten days. “Let Ar- anguren and two or three more insur- gent leaders surrender,” he cried, “and we will break their ranks, catch and hang Maximo Gomez, Calixto Garcia, Jesus Rabi, and the people will accept autonomy.” The party broke up with jests from his comrades at Ruiz’s boasting. < Blanco’s Ofl‘er. Ruiz lost no time in seeking the Cap- tain—General. He told Blanco how in- timate he had been with Nestor Aran- guren, and said (this was a lie) that the rebel had made overtures to him for his surrender if enough were paid for his influence for the success of au- tonomy. Ruiz went out of the palace with authority to visit Aranguren, an order for guides and a document signed by,B1anco empowering him to guaran- tee $100,000 to Aranguren on his return to Havana. and to promise immunity to him. Aranguren heard of Ruiz’s coming- to tell how would be to tell the whole “underground” news system in Havana—and sent a warning to him that he must turn back. But Ruiz was doubly pledged to see the insurgents. He entered Aranguren's camp—-without any flag of truce—and made his offer in so many words. Aranguren told Ruiz that he must have known his dan- ger, and said there was only one course for himself to follow. He ordered Ruiz under arrest, there was a court—mar- tial, and Ruiz was shot, Blanco's au- thorization was found in Ruiz’s pocket after his death, and is now in the hands of the Cuban Republic. A New Proposition. New proposals, it appears, are pre- paring in the palace at Havana, to be laid before the Cuban Republican au- thorities. It is said in Havana that Consul-General Lee will undertake to see that the Captain—General’s offer is presented. What the proposition is like no one has been able to learn. But General Blanco said recently to a gen- tleman who took part in framing the proposals: “I fear autonomy was of- fered too late.- The men, the women and the children, the very stones in Cuba seem to hate Spain and every- thing of Spain. My volunteer force is of such an uncertain morale that I cannot depend upon it from one day to another.” General Garcia recently paroled 300 Spanish prisoners, and a few days later some of these were recaptured in arms against him. General Garcia at once sent word to General Pando that forc- ing these men to break their parole was barbarous. The Cuban Provisional Government is nowconsidering Garcia’s report on this incident, which raises the question of what shall be done with 350 other Spanish prisoners in Garcia's camp. It is understood that Garcia recommended a. departure from the former magnanimous policy of disarm— ing and releasing prisoners at once. Word comes from the Provisional Gov— ernment. that the insurgent forces were never in better condition than they are to-day. WHOLE FAMILY KILLED. Murder of a. Massachusetts His Wife and Daughter. Worcester, Mass, Jan. 11.—News of a triple murder ,of which Francis D. 'Newton, a, prosperous farmer, of Broookfield; his wife, Sarah, and their ten-year-old adopted daugh- ter, Ethel, were the victims, has just reached this city. The fam— ily had been killed in their house, about two miles from Brookfield Cen- ter, on the road to Sturbridge. The crime was discovered by neighbors, who heard the lowing of the unfed cat- tle and made an investigation. The three members of the family were found in their beds, having been killed with an axe. , A hired man who has been employed by Newton is missing, and the authori- ties are looking for him. He was known only by the name of Paul. He was last seen Friday night, just before midnight by a neighbor who was re- turning from a grange meeting. ’He was then more than a» mile from the Newton house, and was going in the di- rection of Brookfield. Two young men also saw him at about the same time, going in the same direction. It is believed that. the ‘murder was committed between 10 and 11 o’clock Friday night. Farmer, On Trial for Killing Her Husband. Camden, N. J., Jan. 11.—Mrs. Flor- ence McCusker, 'dressed in widow’s weeds, was put on trial here yesterday charged with the murder of her hus- band. Michael McCusker was shot in athe stomach by his wife on the night of Nov. 9 last at their home at 205 Ben,- son street. statement in the hospital, in which he declared that his wife had deliberately shot him. ‘Mrs. McCusker insists that the shooting was accidental. point to be decided is the degree of im- portance that Should ‘beattached to the dying accusation'of the woman's hus- band. ' _ . , ' . ”. 7v; Dayton, Hamilton and Columbus. He made an ante-mortem‘ The chief - McKenna Not‘Yet Confirmed. Jan. 12.——The Senate HOW RUIZ MET DEATH Igggaazm of Attorney-Gener l McKenna to be justice of the Supreifie Court un- der consideration for two hours yester— day, but adjourned without reaching a decision. The committeeiadjourned with the understanding that it would meet at the call of the President. It is stated that the failure was due to the general importance of the nomina- tion and the feeling that full time should be given to it by the commit- tee. The opposition in the committee seems stronger than at first anticipat- ed, and there seems to be a disposition to sift the charges to the bottom. Chinese Loan Negotiations. London, Jan. 12.—The Chinese loan negotiations are progressing. Great Britain has informed China that she is willing to find the money required and the details are now Theamount will probably be £20,000,- 000 ($100,000,000), Great Britain asking for certain changes in the adminis- tration of China, including the restor- ation of Li Hun: man- no power. $100,000,000 Trust! Chicago, Jan. 11.—V‘Vithin the week a $100,000,000 beer and whisky trust will be a fact. This statement comes from a trustworthy sources, and before Jan. 15, it is said, the proof will be at hand. The deal goes over the heads of all the rival trusts, and, in embracing the brewcres of moderate capacity, will control a field of immense proportions. The American Malting Company is said to be behind the deal. , The options held on the breweries and distilleries are in such cites as De- troit, Cleveland, Toledo, Sandu‘sky, This enormous deal may be closed at any moment. Judge McKenna’s Nomination. \Vashingto'n, Jan. 11.——The Senate ludiciary Committee yesterday did not .2onsider the nomination of Attorney- 7eneral Mclx'enna to be. Associate Jus- :ice of the Supreme Court. The matter .vas incidentally mentioned, but the nembers desired to dispose of the un- lbjectcd nominations. The committee vill consular the McKenna nomination o-day. ' This “roman to Be Hanged. Cayuga, Ont.. Jan. 11.~—On Jan. 20 "live Adele Sterneman will die on the allows unless the Department of Jus— Ottowa grants her executive -‘~ enr'y, and allows her to spend the . finder of her life in Kingston pen- :. rir . On Jan. 5 she was told that .. must die. She is practcally. con- sied of murdering two husbands. .2’ at " is stated that the New York Re- :iblican leaders have decided not to itroduce the anti-cartoon bill during he present session of the Legislature. The Pesto ce Department has decid- d that postmasters cannot be required 0 cash pension checks. J. 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Dealer in Greer. House HotHouseand Bedding and Vege- tablePlants..Fru1t and Ornamental Trees Shubbery, Vines, Cut Flowers. always on hand,andall sorts of designs in flowers ar. ranged to order. . WGradmgand refillingcemetery ots at ' ETNA INSRUANCE 00., of Hfi'tforl Incorporated 1812.3 Charter Perpetua Capital and Assets, 38.902.272.64. Insures againstlossand damageby FIRE on terms adapted to the hazard andconsistent With thelaws ofcompensationi COWLES & MERRILL. Soleagents for Norwalk andvicinitv ADAMS EXPRESS COMPANY Low Rates. , Prompt Deliver: hracnh Oflice. Norwalk, at Morris 1 i 1 \ ulc‘l Main Office.depot.fiouth Nor-walk. L. HUNT.Agexit_.‘ Has nowCompleted ts . 320. SUCCESSFUL BUSINESS YEAR, And has notoutstsnding a dollar ‘of unpai losses orclmms for losses. No somz com pang, insures. for less A. G. McIlwmne.Pres..G. B. St. John . Vice-Pr F. E.Shaw. Sec. Geo.B. CowEs. 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