the individual and the Government. The sagacity, economy and soundness in money matters of the banker has come to be so universally recognized that one of them has been placed in charge of the treasury department of the United States Government, and another was called by the President to Washington to give the country the benefit of his experience and knowledge of men and affairs in planning and establishing the budget and the drastic cutting down of the expenses of operating the Government's business. If a banker's advice and good judgment are necessary in governmental affairs, how much more are they required by the private citizen who seeks to branch out locally by increasing his obligations. Therefore the banker of today is called upon continually to advise, encourage, or curtail in matters of great moment in the community in which his financial institution is located.

Within the past few years Florida has grown in a most astonishing manner. The almost unsurpassed climatic conditions have always made it the ideal resort for both the sick and the well, but these advantages have not been fully recognized until recently. The development of the different resorts and the building of highways along which the tourists pass in a steady stream have increased values all over the state, and brought into it men of uncommon capabilities, who desire to share in the general prosperity. Some of them are good financiers; others are not, and it takes a man of wide experience in the banking business, and one of broad vision and steady purpose, to stabilize conditions and secure the most beneficial results. Such a man is T. A. Chancellor, president of the First National Bank of St. Petersburg, who has been a resident of the city since 1904, when he came here to accept the position of cashier of the West Coast Bank, that in 1905 became the First National Bank. Mr. Chancellor continued its cashier until 1911, and in that year was elected its president.

Mr. Chancellor was born at Okolona, Mississippi, December 12, 1868, son of John Sanford and Matilda (Gilliam) Chancellor, his father a native of Virginia and his mother of Alabama. He was the third son in a family of four children, and his boyhood was spent at Okolona, where he acquired his early education in the public schools and during 1885-86 attended the University of Mississippi. He started his commercial career in a humble capacity, as clerk in a dry goods store. He also clerked and kept books in groceries and dry goods houses, and in 1888 became cashier and bookkeeper in the Jacksonville freight office of the Florida Central and Pensacola Railroad, now a part of the Seaboard Air Line. He gave up this work on account of yellow fever, and then went back to the firm for which he had formerly worked as bookkeeper.

In 1894 he became collection clerk for the Exchange National Bank at Tampa, an institution that was organized that year. He remained with it until April, 1895, and in October of that year, at the organization of the Citizens Bank and Trust Company of Tampa, he accepted the post of teller and subsequently served it as assistant cashier until 1904.

Having in the meantime attracted favorable attention to his abilities as a financier, he was induced to come to St. Petersburg and become cashier of the West Coast Bank in 1904. This was a comparatively small institution with a capital of $25,000. It became the First National Bank in July, 1905, with Mr. Chancellor still at the post

of cashier, and subsequently promoted to president. This bank is now one of the larger ones in Florida, has capital of $200,000, surplus and undivided profits of $250,000, deposits of over $4,000,000, and total resources of about $5,000,000. The vice president is C. W. Sprinstead, Max Fitz is cashier, and the assistant cashiers are R. J. McCutcheon, Jr., A. F. Miller, Jr., and Rex Cole. A prominent figure in the banking affairs of Florida, Mr. Chancellor is a director in the Citizens American Bank and Trust Company of Tampa, director in the West Coast Title Company of St. Petersburg, director in Booker and Company, Incorporated, of Tampa. Among other interests of the sunshine city with which he has identified himself are the St. Petersburg Country Club and the St. Petersburg Yacht Club, in both of which he is a director, and he is chairman of the City Library, chairman of the local School Board, vice president of the Y. M. C. A., vice president of the Chamber of Commerce, and a member of the Knights of Pythias. Owing to his many business responsibilities he has never been' willing to come before the public for office, since he believes he can better serve his community in a private capacity. While he is an exceedingly busy man, Mr. Chancellor is easily accessible and gladly gives the patrons of his bank the benefit of his advice and sound business judgment.

October 23, 1901, Mr. Chancellor married Mary Trice, daughter of Colonel John Trice, of Tampa. They have one daughter, Mary, now attending school at Washington. Mr. Chancellor is chairman of the Board of Trustees of the First Baptist Church.

CADWALLADER B. REEVES, a leading representative of the real estate and insurance business at Winterhaven, Polk County, was born at Wellsburg, West Virginia, on the 22d of May, 1879, and is a son of James G. and Mary (Blayney) Reeves, both likewise natives of that part of West Virginia, where the respective families were founded in an early day, when the state was still a part of Virginia. The subject of this sketch is an only son, and his one sister is Mrs. K. C. Gardiner, of Pittsburgh, Pennsylvania.

Mr. Reeves attended the public schools of his native place until he had profited by the curriculum of the high school, and thereafter he devoted four years to the study of law. He was admitted to the bar of his native state, but there became identified with the real estate business instead of entering the practice of law. He organized the Farmers State Bank of Wellsburg, West Virginia, and became its president. Finally, by reason of the greatly impaired health of his wife, he sold his interests in his native state, where he had been for a number of years a stockholder also in the Wellsburg National Bank and halfowner of the Pan Handle News, a weekly paper, in the publication of which he was associated with Hon. George C. Curtis. He had served also as secretary of the Wellsburg Board of Trade about fifteen years, he having been the prime mover in the organization of the same. He was one of the leaders in business and civic affairs in his native city, and hence he came to Florida for his initial visit in the year 1918. After making a general survey of the state he established his home at Winterhaven, where he has since been successfully engaged in the real estate business, besides being the owner of several productive orange groves in this county and being interested in the development of others. He still retains many of

his property and capitalistic interests in West Virginia. With long and varied experience in the real estate business, Mr. Reeves has been resourceful and influential in advancing the civic and material development of Winterhaven and Polk County, and here he has sold probably a greater amount of realty than any other dealer.

In the year 1913 Mr. Reeves wedded Miss L. May Murphy, daughter of Rev. John D. Murphy, a clergyman of the Methodist Episcopal Church in Ohio. Mrs. Reeves is a talented musician, has gained high reputation as a concert pianist and is also a skilled performer on the pipe organ. In the teaching of music she was at one time connected with the college at Buchanan, West Virginia, besides which she was a teacher in a college at Scio, Ohio. She attended several of the leading musical conservatories in the East, and she became a leader in musical affairs in West Virginia, especially in the City of Wheeling, where she held positions as organist in several leading churches.

CHARLES W. BARNES. The vital little City of Winterhaven, Polk County, is the center of a district devoted to progressive enterprise in the growing of citrus fruit, and with this line of industry Mr. Barnes is here prominently identified, as is evident when it is stated that he is manager of the Winterhaven Citrus Growers Association.

Mr. Barnes claims the old Buckeye State as the place of his nativity, and he is a scion of old and honored families in the state, within whose borders were born his parents, William H. and Orrell A. (Vance) Barnes, the former of whom is deceased and the latter of whom still resides in Ohio.

Charles W. Barnes, the second in a family of four sons, was born at Barnesville, Belmont County, Ohio, on the 23d of January, 1872, and there he received his early education in the public schools, including the high school. For 21⁄2 years he was a student in the Ohio State University at Columbus, and in 1892 he graduated from the Eastman Business College at Poughkeepsie, New York. During a period of four years thereafter he was in the employ of the Kidd Brothers & Burgher Steel Wire Company at Pittsburgh, Pennsylvania. He then returned to Ohio and entered the employ of the Goodyear Tire & Rubber Company at Akron, but within a comparatively short time he went again to Pittsburgh, where for six years he was in the employ of the great Westinghouse Machine Company.

In 1909 Mr. Barnes came to Florida and established his residence at Winterhaven, where for three years he was connected with the Florida Citrus Growers Association. He severed this alliance to assume his present responsible office, that of manager of the Winterhaven Citrus Growers Association, a position in which he is giving an effective and progressive administration that is proving of marked benefit to the members of this organization. He is the owner of an attractive residence property at Winterhaven and also of a well developed orange grove. The citrus association of which Mr. Barnes is manager shipped in 1921 375,000 boxes of oranges, grape fruit and tangerines, the "big year," 1920, recorded the shipment of 452,000 boxes, and the estimated shipment for the season of 1922 is 425,000 boxes. The Winterhaven Citrus Association has the largest and most modern fruit-packing house in the State of Florida, and it is doubtful if it is excelled in the entire United States, even in California. The

association gives employment to an average of 200

men.

Mr. Barnes is known and valued as one of the progressive business men and loyal citizens of Polk County, he is a Knight Templar Mason and a member of the Mystic Shrine, and he and his wife hold membership in the Presbyterian Church. In the year 1903 Mr. Barnes was united in marriage with Miss Minnie Tedrick, of Akron, Ohio, and the one child of this union is a son, Charles Tedrick, who was born in the year 1910.

FRED A. K. HARRIS was a pioneer of pioneers in the now fine little City of Winterhaven, Polk County, where he erected the first house and store and became one of the leading merchants and where he did much to aid in the development and upbuilding of the town. His character was the positive expression of a true and loyal nature, and he stood exemplar of the fine traits for which the New England type has long been noted. He was one of the most honored and influential citizens of Winterhaven at the time of his death, in the year 1920, and a tribute to his memory is properly entered in this history.

A representative of a family that was founded in New England in the Colonial era, Mr. Harris was born at Lyndon, Vermont, and was a son of Amasa O. and Caroline (Bigelow) Harris, who passed their entire lives in the old Green Mountain State. The early educational advantages of Fred A. K. Harris included those of Lyndon Institute in his native town and those of the Eastman Business College in the City of Poughkeepsie, New York. Prompted primarily by the somewhat impaired condition of his health, Mr. Harris went to Nebraska as a young man of nineteen years, purchased a sheep ranch in that state and on this pioneer ranch he remained five years. Within a comparatively short period thereafter, in 1884, he came to Florida and settled at Winterhaven, of which town he became one of the founders and in which, as before stated, he erected the first house and the first store, he having done the actual work of construction on these buildings, with the assistance of a former schoolmate, E. G. Hovey, who came to Florida from Vermont. In the modest store building Mr. Harris installed a stock of general merchandise, and he continued as one of the representative business men of Winterhaven until the close of his life, in 1920. The original store building was destroyed by fire about the year 1907, and to replace the same Mr. Harris erected on the same site one of the handsomest and most substantial buildings in the city, the same being of cement construction and being situated at the corner of Central and Park avenues. Mr. Harris became the owner of seven city lots besides that on which he erected the fine modern residence in which his widow still maintains her home. He owned also a well improved orange grove near his home city.

Liberal and public-spirited, Mr. Harris contributed in generous measure to the civic and material upbuilding of Winterhaven, he having been the first postmaster of the village and later having given many years of service as a member of the City Council.

Mr. Harris wedded Miss Adelle F. Kennison, of Lyndon, Vermont, who had been his classmate in Lyndon Institute, and who was born and reared in Vermont. Her parents, Asa J. and Ameriba (Newell) Kennison, were born at Burke, that state, and after their marriage established their home at Lyndon, the remainder of their lives hav