THE MERCHANTS' NATIONAL BANK, DETROIT.

JOHN BALLANTYNE, Chairman of the Board; JOHN ENDICOTT, President; DAVID GRAY, JOHN P. HEMMETER, Walter R. JOY, BENJAMIN G. VERNOR, ROBERT B. LOCKE, Vice President; CHAS. K. BARTOW, Vice President and Cashier; FRANK A. DUWE, L. GEO. BOTT, R. F. MILLER, R. A. KRUGER, Assistant Cashiers; EDWARD F. FORMELL, Auditor. DIRECTORS.-John Ballantyne, Walter O. Briggs, Luman W. Goodenough, David Gray, Oren S. Hawes, John P. Hemmeter, Emil Stroh, Albert E. Sleeper, Ford Ballantyne, J. B. Ford, Jr., John Endicott, Ray E. Danaher, John W. Watling, Horace E. Dodge.

THE NATIONAL BANK OF COMMERCE, DETROIT.

RICHARD P. JOY, President; WM. P. HAMILTON, HENRY H. SANGER, CHARLES R. TALBOT, HARRY S. COVINGTON, O. L. HATT, L. H. D. BAKER, CHAS. N. MAYCOCK, Vice Presidents; SAMUEL R. KINGSTON, Vice President and Cashier; ALBERT C. Voss, ROBT. C. WANDEL, JOHN W. JOHNSTON, H. D. NEWBERRY, OREN O. OTIS, Assistant Cashiers.

DIRECTORS.-Wm. P. Hamilton, Charles H. Hodges, James Inglis, Richard P. Joy, Edward M. Mancourt, Edwin H. Nelson, Murray W. Sales, Henry H. Sanger, Joseph Mack, Alvan Macauley, Charles R. Talbot, Charles M. Roehm, Charles S. Mott, John R. Russell, D. B. Lee, Samuel R. Kingston, Edsel B. Ford, Franz C. Kuhn, Carlton M. Higbie, Allan Shelden, Chas. B. Warren.

DOWAGIAC NATIONAL BANK, DOWAGIAC.

L. B. DESVOIGNES, President; CHARLES HEDDON, Vice President; CLARE F. PUGSLEY, Cashier;

FAY ATWOOD, Assistant Cashier.

DIRECTORS.-L. B. DesVoignes, Charles Heddon, Wm. F. Judd, Frank Gilbert, Clare F. Pugsley,
E. B. Laing, Fay Atwood.

FIRST NATIONAL BANK, EATON RAPIDS.

M. D. CRAWFORD, President; J. S. HAMLIN, Vice President; FRANK A. JADEL, Cashier;
K. P. WILLIAMS Assistant Cashier.

DIRECTORS.-M. D. Crawford, J. S. Hamlin, M. P. Stroud, Martin Hansen, H. S. Bentley, John D. Birney.

THE ESCANABA NATIONAL BANK, ESCANABA.

M. N. SMITH, President; J. K. STACK, JR., Vice President; J. E. MOGAN, Cashier;
W. J. SCHMIT, E. L. MOERSCH, Assistant Cashiers.

DIRECTORS.-J. K. Stack, Jr., Geo. M. Mashek, M. N. Smith, J. O. Groos, H. M. Stack, Coleman Nee,
Edward Erickson, John S. Lindsay, Allen Bole.

FIRST NATIONAL BANK, ESCANABA.

M. K. BISSELL, President; C. M. THATCHER, Vice President; LESLIE FRENCH, Cashier;
E. G. ROYCE, FREDERICK F. ROYCE, Assistant Cashiers.

DIRECTORS.-M. K. Bissell, Herman Gessner, Charles M. Thatcher, Leslie French, George N. Harder.

D. C. MORRILL, President; E. BROMLEY, H. A. McLACHLAN, Vice Presidents; LUDWIG BOHLS, Cashier. DIRECTORS.-D. C. Morrill, E. Bromley, H. A. McLachlan, J. C. Jensen, Geo. A. Wright, J. W. McLachlan, Geo. Bilbrough, W. F. Henry, John Hinkley.

FIRST NATIONAL BANK, FLINT.

A. G. BISHOP, President; JAMES MARTIN, Vice President; C. F. SPAETH, Vice President and Cashier;
MILES F. VINCENT, GEO. MIDDLEMIS, Assistant Cashiers; H. F. PELHAM, Trust Officer.
DIRECTORS.-A. G. Bishop, James Martin, John J. Carton, E. W. Atwood, Walter O. Smith,
John L. Pierce, George C. Willson.

THE FIRST NATIONAL BANK, GLADSTONE.

H. B. LAING, President; ELOF HANSON, Vice President; E. J. NOREUS, Cashier; A. M. ANDERSON, Assistant Cashier. DIRECTORS.-H. B. Laing, Elof Hanson, E. J. Noreus, N. J. LaPine, D. N. Kee.