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in tilling the soil and has made farming his life work. His place is located near Danbury and comprises forty-seven acres of fertile land, improved with substantial buildings and good fences. Mr. Neal has a peach orchard of thirty acres and the remainder of his land is devoted to the growing of grain. He is an expert agriculturist who knows the value of scientific methods and his crops are marketed through the Island and Gypsum Fruit Company and the Farmers Cooperative Company of Gypsum.


In 1904 Mr. Neal married Miss Lena J. Pearce, also a native of Catawba island, and they became the parents of a daughter, Ora Mae, who was born in 1908 and died in 1923. Mr. Neal takes a keen interest in politics and is chairman of the republican county committee. He is one of the progressive orchardists of his district and a useful and influential citizen whose life has been upright and purposeful.


CLARE B. TEFFT


Although young in years, Clare B. Tefft has become nationally known as a traffic expert and is doing work of much importance and value as Transportation Commissioner of the Toledo Chamber of Commerce. He was born in Pompeii, Gratiot county, Michigan, August 12, 1891, and was the only child of Burton S. and Margaret (Lytle) Tefft. His remote ancestors in the paternal line were Welshmen but the American progenitor of the Tefft family migrated to this country from Glasgow, Scotland. He settled in Providence, Rhode Island, and engaged in the manufacture of cotton. Later the family engaged in business in Elmira, New York. His descendants were pioneer lumbermen of Michigan and operated on an extensive scale. Burton S. Tefft was born in Garfield, Saginaw county, Michigan, April 3, 1868, and always resided in that state. He achieved prominence as an educator and was County School Commissioner at the time of his death, which occurred on the 1st of October, 1918, in the city of Saginaw. His wife was of Irish lineage and a member of one of the old families of New York state. She


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was born in Vernon, Michigan, October 1, 1867, and passed away April 23, 1917, at the age of fifty years.


The country schools of Saginaw county afforded Clare B. Tefft his early educational advantages and following his graduation from Arthur Hill high school at Saginaw he continued his studies in the Ferris Institute at Big Rapids, Michigan, from which he was graduated in 1912. His interest in the drama led him to enter the theatrical profession, in which he had the benefit of training under William Owen, a Shakespearian actor of national repute. Mr. Tefft played with stock companies which filled engagements in the principal cities of the United States and received many favorable press notices. Tiring of the career of a Thespian, he abandoned the stage and entered the employ of the Pere Marquette Railroad Company. He was also in the service of the Michigan Central Railroad Company, filling various positions in the offices of these roads, and acquired a detailed knowledge of transportation affairs. Owing to his comprehensive understanding of traffic law he was chosen Traffic Commissioner of the Lansing (Michigan) Chamber of Commerce in 1924 and acted in that capacity for two and one-half years. On tendering his resignation he accepted a similar position with the Kalamazoo (Michigan) Chamber of Commerce, with which he was connected until February, 1928, and has since that time been Transportation Commissioner of the Toledo Chamber of Commerce. He has been a tireless and effective worker in behalf of the organization, which was fortunate in securing the services of a man of his experience and ability.


Mr. Tefft was married December 26, 1919, in Grand Ledge, Michigan, to Miss Ona M. Watson, a native of that state and a daughter of Charles and Lola (Burlier) Watson, the former now deceased. Mr. and Mrs. Tefft reside at 2630 Powhatan parkway and his office is located on the fifth floor of the Richardson building.


During the World war Mr. Tefft was at the front with the Three Hundred and Tenth Trench Mortar Battery and served until the signing of the armistice, when he was honourably discharged. He is a member of Toledo Post, No. 335, of the American Legion, the Toledo Rotary Club, the Toledo


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Transportation Club and the Lansing Traffic Club. His Masonic affiliations are with Saginaw Valley Lodge, No. 154, F. & A. M.; Joppa Chapter, No. 63, R. A. M., of Saginaw; St. Bernard Commandery, No. 16, K. T., of Saginaw; Bay City Consistory, A. A. S. R.; El Khurafeh Temple, A. A. O. N. M. S., of Saginaw ; and Merlin Grotto, M. O. V. P. E. R., of which he is a charter member. Being well versed in the law pertaining to traffic and allied subjects, he is an influential member of the board of directors of the National Rivers and Harbors Congress and has done much constructive work with the aid of the Interstate Commerce Commission at Washington, D. C. Mr. Tefft is also a director of the National Industrial Traffic League, president of the Ohio State Industrial Traffic League, chairman of the membership committee of the Great Lakes Regional Advisory Board and a member of the transportation committee of the Ohio State Chamber of Commerce. For diversion and relaxation he turns to fishing and other outdoor sports. Impelled by high ideals of service, he has directed his talents and energies into those channels through which flows the greatest and most permanent good to the largest number, and his career has been conspicuously useful.




WILLIAM E. IRWIN


Among the well known officials of the National Bank of Port Clinton is numbered William E. Irwin, a financier of broad experience and a man of proven ability and worth. He was born in Peru, Indiana, in 1878 and when a child of two came to Ohio with his parents, Clarence R. and Elizabeth B. Irwin, who settled in Huron county. The father also entered the field of finance and was elected vice president of the North Fairfield Savings Bank. Mr. and Mrs. Irwin have two children, the other being Ralph Edward, who resides in Columbus, Ohio.


William E. Irwin was graduated from the North Fairfield high school in 1896 and obtained his start in life as a bookkeeper in the North Fairfield Savings Bank, where he spent three years. In 1899 his ability won for him the post


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of assistant cashier in the Central Savings Bank of Toledo, with which he was connected until 1909, when he went to Sylvania, Ohio, as cashier of the Farmers & Merchants Bank. For seven years he remained with the institution, materially promoting its interests, and in 1916 was made treasurer of the H. M. & R. Shoe Company of Toledo. He successfully managed the financial end of the business until 1925, when he went south and was in Florida for two years. Early in 1927 he was elected cashier of the National Bank of Port Clinton and has since acted in that capacity, rendering to the institution the services of an expert.


Established in 1872 as a private bank by Samuel A. Magruder, this is the oldest financial institution in Port Clinton. It was operated under the name of the Magruder Commercial & Savings Bank for many years and on January 3, 1924, was merged with the First National Bank, which had been opened in 1902. A reorganization was effected March 17, 1927, and the institution has since been known as the National Bank of Port Clinton. S. A. Magruder, who was long identified with its management, passed away in 1928, and Howard S. Magruder, who was associated with his brother in the conduct of the bank for many years, is now retired. The present officers are : Charles H. Graves, president; J. A. Hoffinger, vice president; W. E. Irwin, cashier; and D. L. Mackey and R. W. Wheaton, assistant cashiers. The board of directors is composed of Harry T. Belknap, Harmon Brokate, Harry R. Englebeck, Charles H. Graves, James A. Hoffinger, William E. Irwin, Julius E. Johnson, Gertrude Korndorfer, Harry Stensen and William H. Yeasting. The bank is a member of the Federal Reserve System and pays four per cent interest on time deposits. Its statement on March 27, 1929, showed a capital stock of one hundred thousand dollars; a surplus fund of twenty-five thousand dollars; undivided profits of thirty-six thousand, six hundred and forty-one dollars; deposits amounting to one million, three hundred and sixty-five thousand, three hundred and five dollars, and total resources of one million, seven hundred and four thousand, six hundred and twenty-eight dollars.

In 1904 Mr. Irwin was united in marriage to Miss Edna A. Hoskin, a native of Toledo and a daughter of Richard T.


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and Emily (Clough) Hoskin. The father was born in London, Ontario, and the mother was a native of England. They established their home in Toledo in 1864 and Richard T. Hoskin became one of the city's leading contractors.


Mr. Irwin is president of the Kiwanis Club of Port Clinton, a member of the Catawba Cliffs Golf and Beach Club, the Port Clinton Yacht Club, the Ohio and American Bankers Associations, and is a thirty-second degree Mason, and a member of Zenobia Temple. His hobbies are music and art. At intervals throughout the year he attends schools in Columbus, especially arranged for bankers, in order to enlighten himself on farming, and keeps in close touch with all matters of public moment. His advice and assistance are freely given to patrons of the institution which he represents and the prosperous condition of the affairs of the National Bank of Port Clinton has largely resulted from his judicious management. Mr. Irwin has been loyal to each trust reposed in him and faithful to every duty and stands deservedly high in public esteem.


CHARLES ROSS BAREFOOT


Charles Ross Barefoot, whose ancestors were leading actors in events that have shaped the history of this nation, has inherited their fine mental and moral qualities, and his talents, natural and acquired, have won for him an enviable position in legal circles of Toledo. A native of Bedford county, Pennsylvania, he was born February 17, 1884, and is a son of Ross and Kathryn (Vickroy) Barefoot. The family was founded in this country by Thomas Barefoot, an Englishman, who settled in the colony of Massachusetts in 1635. Thomas Sayer, another ancestor, was one of the founders of Southampton, Massachusetts, and fought the Indians as a scout in the Pequot war of 1637. Charles R. Barefoot is the sixth in line of descent from George Ross, who was one of the signers of the Declaration of Independence, and is also a lineal descendant of the following patriots who served with distinction in the Revolutionary war : Dr. Benjamin Barefoot; Major James Ross; Lieutenant Daniel Mickey; Wil-


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liam Slick, sergeant of the Maryland flying camp ; Thomas Vickroy, whose monument bears an inscription stating that he was an officer in the Continental army; William Clark, a captain of rangers on the frontier; Angus McDonald, a corporal in Thompson's battalion of riflemen; and William Augustus Atlee, who was a commissary general and became first associate justice of the supreme court of Pennsylvania. He was a son of William Atlee, Sr., secretary to Lord Howe. Jane Alcock, the mother of William Atlee, Sr., was a lady in waiting to Queen Elizabeth and a niece of William Pitt, the earl of Chatham. Charles R. Barefoot is also a great-greatgrandson of Hugh Vickroy, who served in the French and Indian war and was captain of a vessel which was sunk at sea, all on board the ship being drowned.


Ross Barefoot was born in Bedford county, Pennsylvania, in August, 1858, and was there reared and educated. In his native county he followed the occupation of farming and also engaged in merchandising. He has attained the age of seventy-one years and is now living retired in Johnstown, Pennsylvania. In politics he is a republican, and his life is governed by the teachings of the Evangelical church. His wife was born in Bedford county in 1859 and died February 22, 1884, when a young woman of twenty-five. She had become the mother of two children : Julia, who is Mrs. B. F. Dumm, of St. Paul, Minnesota ; and Charles Ross.


The son obtained his early instruction in his native county and was next a pupil in a preparatory school of Philadelphia. Afterward he attended De Paul University of Chicago, and his education was completed in the Ohio Northern University, from which he received the degree of LL. B. in 1916. Following his admission to the bar he located in Lewistown, Montana, but remained there only a year, and has since engaged in general practice in Toledo. In his presentation of a case he is always well fortified by a clear understanding of the legal principles applicable thereto and has won many verdicts favorable to the interests of his clients. He has been intrusted with much important litigation, and his business in the courts is constantly increasing.


Mr. Barefoot was married January 11, 1917, in Chicago, Illinois, to Miss Kathryn Thomas, a native of Indiana and a


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daughter of Jonathan and Sarah (Rinard) Thomas. The family is of English origin and was founded in America during the cavalier period. The Turners, who came to this country on the Mayflower, were among the paternal ancestors of Mrs. Barefoot, who is also related to the Bruces through her father. Her great-grandfather, Jacob Thomas, was born in Virginia in 1777 and migrated to Ohio during territorial days. In the maternal line Mrs. Barefoot traces her lineage to Yeats Conwell, an Englishman, who settled in Delaware in 1669. Among his descendants were Lieutenant Colonel John Conwell of Revolutionary fame, and John Conwell, Jr., who fought in the War of 1812. The Thomas family was represented in the Revolutionary war by Jacob Thomas, Sr., who served with the Virginia cavalry. William Rinard, the grandfather of Mrs. Barefoot, was born in North Carolina. Afterward he became a pioneer settler of Indiana and served in the Civil war. Jonathan Thomas was a prosperous merchant and engaged in business in Montpelier, Indiana. Mrs. Barefoot was graduated from the nurses' training school of Hope Hospital and previous to her marriage followed the profession of nursing. Mr. and Mrs. Barefoot have become the parents of two children : Betty, who was born in Toledo, November 29, 1918; and Charles Ross, Jr., born February 17, 1920, in this city.


The family home is at No. 3853 Hazelhurst avenue, and Mr. Barefoot's office is located on the eighth floor of the Spitzer building. During the Spanish war period he enlisted in the United States Marines and was sent to Cuba, Porto Rico, Honduras and the republic of Colombia. He served on the Brooklyn under the late Admiral Coghlan and was also on the warships Dixie and Panther. He is a trustee of the Evangelical church and teaches the Bible class. Mrs. Barefoot also takes an active part in the work of the church. Mr. Barefoot is genealogist of Anthony Wayne Chapter of the Sons of the American Revolution; a past president of the chapter, and is first vice president of the Ohio State Society, Sons of the American Revolution. He is a member of the Marine Corps League, the United Spanish War Veterans, the Lucas County and Ohio State Bar Associations, the Lawyers Club of Toledo and the Delta Theta Phi college fraternity.


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He represents the Eleventh ward (West Toledo) in the city council. He closely adheres to the unwritten ethics of his profession and measures up to high standards in every relation of life.


JOSEPH DAVID SULLIVAN, D. D. S.


That Dr. Joseph David Sullivan has chosen a line of endeavor well suited to his talents is indicated by his success in the dental profession, which he has followed continuously in Toledo for a quarter of a century, becoming widely and favorably known in that connection. He is a native of the city and was born April 9, 1879, a son of John and Helen Sullivan. At the age of eighteen his father came alone to Toledo, doing various kinds of work here until he entered the service of a railroad, and was employed along that line for a considerable period. He rose to the position of foreman which he filled when the air line was constructed from Toledo to Elkhart, Indiana. After the completion of the road he engaged in the grocery business in Toledo for forty years, and was long a recognized leader of the trade in this city. In public affairs he manifested a deep and helpful interest and while a resident of Toledo was called to the office of police commissioner, which he filled with ability for one term. He responded to death's summons in 1899, and Mrs. Sullivan passed away in 1907. In their family were ten children, of whom four died in infancy, and five of the surviving members of the family live in Toledo, while one resides in Detroit.


Dr. Sullivan acquired his public school education in Toledo and when a young man of nineteen enlisted for service in the Spanish-American war, joining Troop E of the First Ohio Cavalry. For nearly a year he was engaged in active military duty, receiving his honorable discharge at Columbus, Ohio. Afterward he enrolled as a student at Georgetown University, from which he won the degree of D. D. S. on the 10th of June, 1903, on the termination of a three years' course, and for eighteen months was connected with the dental department of the government hospital in Washington, D. C. In 1905 he returned to Toledo, opening an office on


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Brcadway, where he was located for twelve years. In order to perfect himself in his profession Dr. Sullivan took up the study of oral surgery in New York city and has since devoted his attention to that branch of dentistry, maintaining a well appointed office in the Medical-Dental building. As a specialist in extractions, the treatment of jaw fractures and other lines of oral surgery, he has developed skill of a high order and in addition to caring for his extensive practice is dental surgeon for the Toledo Hospital, the Women's & Children's Hospital, St. Vincent's Hospital and Mercy Hospital.


On the 11th of June, 1905, Dr. Sullivan was married in Toledo to Miss Hazel M. France, a native of the city and a daughter of Christian F. and Sarah France. Dr. and Mrs. Sullivan have one daughter, Sally Ellen. They adhere to the Catholic faith and Mrs. Sullivan is a worker in the church.


The Doctor is unbiased in his political views, casting his ballot for those men and measures that he deems will best conserve the public weal. He is identified with the Knights of Columbus, the Kiwanis Club, the Toledo Club, the Sylvania Golf Club, the American Society of Oral Surgeons & Exodontists, the Toledo Dental Society, of which he was president in 1913-14, and Ohio State Dental Society and the American Dental Association. His interest centers in his profession, of which he is a progressive and able exponent, while his personal attributes are such as inspire esteem and friendship. His residence is at Burnley Wood, River road.


LOUIS G. HILL, D. D. S.


Among the competent and prosperous dentists of Toledo, one of the most prominent is Dr. Louis G. Hill, who is located at 456 West Delaware avenue, and he commands a flattering practice. He is of Revolutionary ancestry and traces direct relationship to Daniel Boone. Born in Cheyenne, Wyoming, April 29, 1896, he is a son of James Francis and Bertha (Brewer) Hill, the latter of whom is a native of Springfield, Illinois. His paternal grandparents were James and Mary A. T. (Watts) Hill, the latter a relative of Daniel Boone. James Hill was a son of Captain William Hill, who served in


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the War of 1812. His wife, who bore the maiden name of Hill, was the daughter of a Revolutionary soldier. The Doctor's grandfather was born in Marietta, Ohio, in 1819 and died in Norwalk, this state, January 12, 1916, at the advanced age of ninety-six years and two months. He was a gold miner, being one of those who crossed the plains to California during the great gold rush of 1849. He fought in the Union army during the Civil war, holding the rank of first lieutenant; was a republican in politics and a member of the Methodist Episcopal church. His wife, who was a native of Center, Wisconsin, died in Norwalk, Ohio. James F. Hill was born in Darlington, Wisconsin, and now lives in Brewster, Ohio, where he is superintendent of motive power for the Wheeling & Lake Erie Railroad. He is a republican and has held some local offices.


Louis G. Hill received a good public school education, graduating from the Massillon and Navarre high schools, and then entered Ohio State University, from which he was graduated with the degree of Bachelor of Science in 1919. He prepared for his life work in the dental school of his alma mater, from which he received the degree of Doctor of Dental Surgery in 1923. He served two years as interne at Toledo Hospital, after which he engaged in the practice of dentistry in Maumee, Ohio, about a year. Since then he has been connected with the Toledo Clinic, in which institution he is doing splendid work.


On March 30, 1923, in Toledo, Dr. Hill was united in marriage to Miss Ruth Calderwood, who was born in Columbus, this state, and is a daughter of Barton and Etta Calder-wood. Her father is deceased, and her mother lives in Columbus. Mrs. Hill was graduated from the North high school in Columbus, and from Ohio State University with the degree of Bachelor of Arts in 1923. She is a member of the Methodist Episcopal church and belongs to the Order of the Eastern Star. Dr. and Mrs. Hill have one son, James Barton, born June 30, 1926.


The Doctor supports the republican party, and his religious connection is with the Collingwood Presbyterian church. He belongs to Clinton Lodge, No. 47, F. & A. M., of Massillon, Ohio; Omicron Kappa, Upsilon Sigma and Pi Kappa


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Alpha college fraternities; the Toledo Dental Society, the Ohio State Dental Society, the American Dental Association and the Reserve Officers Association, holding the rank of first lieutenant as a dentist. He is a great lover of outdoor sports, fishing being one of his favorite forms of recreation. During his college clays he was prominent in athletics, being state champion in high and low hurdles and national champion in the four hundred forty yard hurdles. He is genial and companionable, is extremely popular and has a host of loyal friends.


REV. CHESTER BIRCH


Among the distinguished citizens of Toledo is numbered the Rev. Chester Birch, a gentleman of broad culture and a lecturer of national repute. He was born in Kansas, Illinois, August 23, 1865, a son of Samuel and Eliza (Smith) Birch. The grandfather, William Birch, was a native of England and a member of an old and prominent family of that country. He was a prosperous merchant and shaped his conduct by the teachings of the Church of England. His son, Samuel Birch, was born in Shrewsbury, England, and came to the United States when a young man. For many years he engaged in merchandising in Kansas, Illinois, where he passed away in 1908 at the venerable age of eighty years. He was a member of the Episcopal church and exercised his right of franchise in support of the candidates of the democratic party. His wife was a native of Edgar county, Illinois, and attained the age of seventy-six years, passing away in the town of Kansas in 1913. She was a daughter of James and Artie (Edwards) Smith, who were natives of Tennessee but resided in Illinois for many years, and the father served in the Indian war. He was a farmer and raised fine horses and stock. In religious faith he was a Baptist, and his political allegiance was given to the democratic party. He passed away in Illinois, and his wife's demise occurred in Iowa.


The Rev. Chester Birch was graduated from the high school of Kansas, Illinois, and completed his education under


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private teachers, studying music, the classics, theology and dramatic art. He was ordained a minister of the Presbyterian church but has never engaged in pastoral work, devoting much of his time to home missionary service, a field in which he has been active for more than a quarter of a century. A gifted orator, he has lectured for over thirty-five years, choosing for his themes religious and popular subjects, and is one of the featured entertainers of the Lyceum and Chautauqua. He is a member of the Toledo Presbytery and has delivered many addresses in churches in various parts of the country. Dr. Birch is affiliated with the Exchange Club, for which he often fills engagements, speaking for the national office, which is located in Toledo. His words are the result of deep thought and the deliberate weighing of values, and the course of public opinion has been swerved by the clarity of his logic and the flame of his eloquence. In 1917 his services as a public speaker were enlisted by the war work council and during that time he was also amusement director.


In June, 1899, Rev. Birch was married in Kansas City, Missouri, to Miss Lura M. Welty, a native of Pennsylvania and a daughter of the Rev. J. B. Welty, now deceased. Her father was a Presbyterian minister, and his last pastorate was at Kansas City. His ancestors aided in winning American independence and his wife was also descended from Revolutionary stock. Mrs. Birch was graduated from Linden-wood College of St. Louis and previous to her marriage taught for a year in a Missouri college. Dr. and Mrs. Birch have a daughter, Bettie, who was born May 1, 1908, and studied journalism and dramatic art at Lindenwood College, which awarded her the A. B. degree in 1928. Since her graduation she has appeared in various cities under the auspices of the Redpath, Horner, Lyceum and Chautaqua associations, putting on her original comedy.


Rev. Birch is a republican of independent views and stands for principle and clean politics rather than for the blind following of party leaders. His wife is also a Presbyterian and a devout church member. She is president of the Missionary Society of Collingwood and is one of the Daughters of the American Revolution. In April, 1916, Rev. Birch was chosen superintendent of the city mission of Toledo,


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which was established in 1899 and ranks with the best institutions of this type. As a young man he was an athlete and has never lost his interest in outdoor sports. Deeply interested in music, he became an accomplished cornetist and has a fine instrument, which was presented to him by the citizens of St. Louis. While in that city he joined the old United States Arsenal Band, of which he was a member for three years, and during the '80s was assistant secretary of the Young Men's Christian Association of St. Louis. For thirty-five years he has been a student of criminology, becoming well known as a finger print expert, and has aided in the identification of criminals but has never been an officer of the law, refusing all offers of that character. An ardent lover of nature, he is never so happy as when pursuing some inquiry into her secrets. Throughout life Dr. Birch has been an earnest, untiring student, and it is a dull mind that does not respond to the touch of his thought, the play of his fancy and the force of his logic. Nothing is foreign to him that concerns his fellows or touches the world's progress and improvement, and his influence for good has been strong and far-reaching.


HENRY M. RYAN


On the roster of public officials in Toledo appears the name of Henry M. Ryan, who has been in the service of the city for ten years, performing his duties in a manner that has won for him strong commendation, and he also has to his credit an enviable military record. He was born on the island of St. Kitts, in the British West Indies, July 4, 1891, a son of Andrew and Mary (De Freitas) Ryan, also natives of that island, where the father spent his entire life. The grandfather, Henry M. Ryan, was born in Tipperary, Ireland, and died in the British West Indies. For a number of years he served as a captain in the British army and afterward engaged in merchandising. His wife was a native of Madrid, Spain, and passed away in the British West Indies. Their son, Andrew Ryan, was the owner of a large sugar plantation and was also a prosperous merchant. In 1894 he


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responded to death's summons, and his wife's demise occurred in New York city on the 11th of November, 1925. She was a daughter of John De Freitas, a native of Spain.


Henry M. Ryan pursued his early studies in New Brunswick, Canada, and later matriculated in St. Joseph's College, which he attended for two years. On completing his education he returned to his home and afterward made a tour of Central and South America. Locating in New York city, he entered the service of the Maxwell-Briscoe Motor Company and was connected with its auditing department for five years. He then came to Toledo and was employed for four years in the advertising department of the Willys-Overland Company. On the expiration of that period he went to the Mexican border with Troop D of the First Regiment of Ohio Cavalry and was there stationed for about fourteen months. During the World war he spent six months at Montgomery, Alabama, with the One Hundred and Thirty-fifth Regiment of United States Field Artillery and was later transferred to Fort Benjamin Harrison in Indiana. He became sergeant of his company and remained at Fort Benjamin Harrison until honorably discharged. He was then connected with the Toledo water department for nine years. On the 1st of January, 1928, he was appointed commissioner of the treasury by Mayor Jackson and discharges his duties with characteristic efficiency and fidelity, amply justifying the confidence reposed in his ability.


On September 1, 1919, Mr. Ryan was married in Toledo to Miss Alice Mullen, a daughter of John and Johanna Mullen. Mrs. Ryan was born August 4, 1883, in this city and attended its parochial and public schools. Mr. and Mrs. Ryan have four children : Richard C., who was born May 15, 1920; Henry M. Jr., born March 29, 1922; John Robert, born January 22, 1925; and Marjorie Alice, born November 28, 1928.


The family are affiliated with St. Thomas Roman Catholic church, and Mr. Ryan is a Knight of Columbus. In politics he is a stanch democrat and takes the interest of a good citizen in public affairs. While in the British West Indies he joined the defense forces of St. Christopher and when in Canada he served in the Seventy-fourth Regiment of New Bruns-


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wick Rangers. He is an expert marksman, belonging to the National Rifle Association, and he has organized a number of rifle clubs. Mr. Ryan is a young man of pleasing personality, stable in character and faithful to every relation in life, and the respect accorded him is well merited.




JAMES C. BURT


James C. Burt, president of the Burt Foundry Company of Toledo, was born in Buffalo, New York, on the 19th of March, 1864, a son of Calvin and Sarah (Curry) Burt. His paternal grandparents were James Calvin and Mary (Syrenus) Burt, both of whom were natives and lifelong residents of Oswego, New York, where the grandfather followed the vocation of a carpenter and builder. Calvin Burt, who was a sailor through all of his active years, was born at Oswego, New York, and died in northern Michigan. He voted the republican ticket and was a member of the Baptist church. His wife was born at Killrush, County Clare, Ireland, and was a daughter of James Curry, also a native of Ireland. Both father and daughter died in Toledo.


James C. Burt received his education in the public schools of Toledo, Ohio, and Buffalo, New York, after which he went to work in the foundry department of the American Sewing Machine Company of Toledo. After a few years with that concern, he was employed in various other foundries until 1910, when he and John Holzscheiter organized the City Foundry Company on Hastings street, Toledo, which was later incorporated and of which Mr. Burt was president until 1917, when he sold his interest in the business. He then became associated with C. 0. Miniger and they organized the Burt Foundry Company at Bush street and the Wheeling & Lake Erie Railroad tracks, Toledo, and of this concern Mr. Burt has been president to the present time. The company is engaged in the making of light and medium grey iron castings and has been very successful, building up a large and prosperous business.


On July 7, 1889, in Toledo, Mr. Burt was united in marriage to Miss Ada Cavashere, who was born and reared in


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Toledo and is a daughter of Alex and Marie (Herkimer) Cavashere. Her father was born in Canada and died in Toledo. His wife, who was born in New York state and died in Toledo, was a distant relative of General Herkimer, of Revolutionary fame, after whom the county and city of Herkimer, New York, were named. Mrs. Burt was educated in the Franklin school, East side, Toledo, and is a member of the Baptist church and the Order of the Eastern Star. To Mr. and Mrs. Burt have been born four children, namely : Reeve Calvin, who is superintendent of the Burt Foundry Company; Mrs. Clifford Robinson, of Toledo ; James Elsworth, who died in childhood; and one who died at birth.


Mr. Burt is a democrat in politics. He belongs to the Masonic order in all of its branches, including the thirty-second degree of the Scottish Rite and the Nobles of the Mystic Shrine, and he is also identified with the Knights of Pythias, the Toledo Chamber of Commerce, the Fifty Year Old Club of Toledo, the Foremen's Club, and the American Foundrymen's Association. He loves to fish as a recreation. He is deeply interested in the welfare and prosperity of Toledo and stands high among this community's public-spirited citizens.


FRED H. KRENTZFELD


Fred H. Krentzfeld, who is contributing in a very definite degree to the successful operation of the United States Gypsum Company in the capacity of office manager, has shown himself capable and efficient in every position which he has filled. He was born in Port Clinton, Ohio, in 1896 and is the adopted son of Jacob and Hannah Krentzfeld, the former of whom is retired from active pursuits, and they reside in Port Clinton. Fred H. Krentzfeld attended the public schools, graduating from the Port Clinton high school in 1913, after which he took a commercial course in the Sandusky Business College, graduating in 1915. For two and a half years he was employed in civil service work at Camp Perry, and then entered the employ of the United States Gypsum Company as a typist billing clerk. Later he was trans-


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ferred to the Plaster Company of Virginia, in the office of which concern he remained two years, when he was sent back to the United States Gypsum Company as office manager, which position he has held since December, 1926.


In December, 1924, Mr. Krentzfeld was united in marriage to Miss Caroline Dubbert, of Port Clinton, and they are the parents of a son, Frederick, Jr., born in 1925. Mr. Krentzfeld is a strong supporter of the republican party, and he and his wife are members of the Peace Lutheran church. He is treasurer of the Polliwog Club, an organization of employes of the gypsum company. Because of his loyalty and his effective work in the interests of his company, he commands the confidence of his superior officers and is greatly esteemed by all who know him.


WARREN JOSEPH DUFFEY


Warren Joseph Duffey has continuously engaged in the practice of law since June, 1911, and, maintaining an office in Toledo, has specialized in handling real estate, mechanics' liens and building contract cases. Born in Toledo, January 24, 1886, he is the eldest son of Mr. and Mrs. Joseph A. Duffey, both of whom were natives of Monroe county, Michigan, the former born December 28, 1860, and the latter on the 23d of August, 1861. The grandparents in both the paternal and maternal lines were natives of Ireland and on coming to the United States settled in Monroe county, Michigan, at an early day.


In his youth Warren J. Duffey attended the Toledo public schools and afterward became a student in St. John's College of his native city, from which he was graduated in 1907 with the Bachelor of Arts degree, while the following year his alma mater conferred upon him the Master of Arts degree. Determining to make the practice of law his life work, he began studying with that end in view in the University of Michigan at Ann Arbor and there was graduated with the LL. B. degree in June, 1911. In the same month he was admitted to practice in Ohio and in Michigan and took up the active work of the profession in association with O. S. Brum-


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back, and subsequently became a partner of Henry A. Conlin. Following the death of Mr. Conlin on the 22d of December, 1913, Mr. Duffey remained alone in practice until 1918, when he was joined by George C. Bryce, a third partner being added when in 1925 his brother, Lawrence E. Duffey, who had graduated from the Ohio State University at Columbus, was admitted to a partnership under the firm style of Duffey, Bryce & Duffey. Well versed in all departments of the law and remaining a close student of legal principles, Warren J. Duffey has nevertheless specialized in handling legal matters pertaining to real estate, mechanics' liens and building contracts. He is also attorney for The Lumber-men's Mortgage Company of Toledo and The Lumbermen's Savings Association and since August, 1915, he has been director as well as attorney for The Mutual Savings Association of Toledo.


On the 28th of August, 1913, Mr. Duffey was married to Miss Marie L. Sawkins, a daughter of Mr. and Mrs. George W. Sawkins of Toledo. Her father was born in Camden, New Jersey, April 22, 1857, and died in Toledo, March 15, 1924. Her grandfather in the paternal line was born in New Haven, Connecticut, the son of English parents, and served as a volunteer in the Civil war. George W. Sawkins was united in marriage to Miss Maria Murphy, who was born in Albion, near Watertown, New York, April 20, 1860. Her parents were natives of Ireland but came to the new world in early life settled in New York and were married at Syracuse. Mrs. Sawkins is now residing in Toledo and is the mother of four children : Rev. Arthur J., who is now pastor of the Immaculate Conception church of Toledo; Marie L.; John A., deceased; and Irene C., the wife of John W. Hackett, a Toledo attorney. Mr. and Mrs. Duffey have six children : Marie Ruth, Warren Francis, Natalie Grace, Richard Comerford, Cecile Joan and John Jerome, all of whom reside with their parents at 2541 Parkwood avenue in Toledo.


Mr. Duffey is a Catholic in religious faith and for years attended St. Francis de Sales cathedral but is now a communicant of the Cathedral chapel on Collingwood avenue. He votes with the democratic party and for years was a


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member of the Lucas county democratic central committee, while for the past four years he has been chairman of that committee. He has taken active part in politics and during 1913 and 1914 served as a member of the general assembly from Lucas county, while in 1917 and 1918 he represented the fourth ward of Toledo in the city council. During his legislative service he was the author of the new mechanics' lien law and also of the statute regulating the sale and traffic of cocaine, morphine and other habit-forming drugs, thus bringing Ohio legislation upon the subject into harmony with more recent federal enactments. He likewise supported the passage of the reform judiciary bill, and while a member of the house of representatives was chairman of its committee on ways and means and a member of the committees on codes, courts and procedure, manufactures and commerce and public utilities. Thus he was closely associated with the history of Ohio not only as a lawyer but as a lawmaker. His professional connections are with the Lucas County, Ohio State and American Bar Associations. His civic interest is indicated in his membership in the Toledo Chamber of Commerce, and he is a member of The Toledo Club, Knights of Columbus, Inverness Golf Club, the Benevolent and Protective Order of Elks and the Alumni Association of the University of Michigan.


REV. R. LINCOLN LONG, D. D.


Imbued with firm faith and sound doctrine, R. Lincoln Long, D. D., is an able expounder of Gospel truth and for ten years has served as pastor of the Collingwood Presbyterian church in Toledo. A native of Kentucky, he was born near Henderson, April 15, 1888, a son of Adolph Rudolph and Savina (Osman) Long. After the father's death, the mother removed to Freeport, Illinois, and it was there that Dr. Long received his common school education. Afterward he attended Winona Academy, next becoming a student at Lake Forest University, and his education was completed in the McCormick Theological Seminary at Chicago. In recognition of his scholarly attainments, Washington and Jefferson


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University conferred upon him the honorary degree of Doctor of Divinity in 1921.


His first pastorate was at Paulding, Ohio, where he resided from 1915 until 1918, and then came to Toledo. He has since had charge of the Collingwood Presbyterian church, one of the three largest Protestant churches in the city. An eloquent pulpit orator, Dr. Long sends his message straight to the hearts of his hearers and is also efficient in governing the affairs of the church, whose material and financial strength have been materially augmented under his wise guidance.


Dr. Long was married September 2, 1915, to Miss Reva B. Henry, of Camp Point, Illinois, and they have a family of three children : Dorothy Martha, Robert Lincoln and Caroline Gertrude. The Doctor is a thirty-second degree Mason, a Knight Templar and Shriner, a Kiwanian, and is also a member of the Torch Club, the Izaak Walton League and the Chamber of Commerce. He is a member of the Museum of Art and has manifested his civic spirit by effective public service. Dr. Long is a broad-gauged man, who possesses the true spirit of Christianity, and his influence upon the life of the city has been of the highest order.


ALPHONSE F. MILLER


Alphonse F. Miller, secretary of the A. F. Miller Tractor Company and the Contractors Machinery Company of Toledo, has attained a foremost position in his line of business in this section of the state. He was born in Toledo, October 15, 1895, a son of Joseph J. and Louisa (Miller) Miller, natives of Frenchtown, Michigan, the former born in 1859 and the latter on the 25th of October, 1860. The father was long in the service of the Lake Shore Railroad Company, becoming chief car inspector at the Union station in Toledo. His life was terminated September 19, 1906, at the age of forty-six, and his wife passed away in Toledo, June 9, 1915, when fifty-four years of age. Her father, Anthony Miller, a native of Baden, Germany, became a prosperous farmer of Michigan,


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removing to Toledo after his retirement; he remained a resident of the city until his demise.


A. F. Miller pursued his studies in the Academy of St. Francis de Sales and the Davis Business College. His first position was that of clerk in the office of the Toledo Terminal Railroad Company, and a year later he entered the service of the Hocking Valley Railroad Company, with which he spent two years. On the expiration of that period he became an employe of the McManus-Troup Company, a Toledo firm which he represented in the capacity of a traveling salesman for three years, afterward acting as manager of the sales department. During the World war he was connected with the construction division of the United States army and as a member of the civilian field staff was entrusted with the task of purchasing material for the construction of camps in the Cleveland and Toledo area. While engaged in that work he was stationed at the Erie proving grounds at Port Clinton, remaining there for a year, and after the war began the sale of construction and industrial machinery in Toledo. For eighteen months he occupied a suite of offices in the Nasby building and then removed to the Spitzer building, where he maintained his headquarters for five years. On November 1, 1926, the business was incorporated under the name of the A. F. Miller Tractor Company, distributors of caterpillar tractors for northwestern Ohio, as well as dealers in construction and industrial machinery, and an office, warehouse and service station were opened at 385 South Erie street. In May, 1928, Mr. Miller and his associates decided to divert the construction and industrial equipment lines and formed the Contractors Machinery Company, controlled by the same officers who comprise the personnel of the A. F. Miller Tractor Company. The warehouse and headquarters of the new corporation were established at 367 South Erie street, and in October, 1928, the business of both companies was transferred to the new building at 911-13 North Summit street, where it is most advantageously located. As a founder and secretary of both corporations Mr. Miller exerts a strong and beneficial influence in the control of the business, which has been thoroughly systematized, and its rapid growth is proof


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of the wisdom of the policy followed by its officers, who are men of broad experience and proven ability.


In Maumee, Ohio, Mr. Miller was married September 30, 1919, to Miss Maude A. Doren, a daughter of Frank A. and Martha (Gimme) Doren, both now deceased. Mrs. Miller was born February 14, 1900, in Whitehouse, Ohio, and attended its public schools, completing her studies at Perrysburg, this state. Mr. and Mrs. Miller have a family of five children : Donald A., Ann Marie, Margaret Alice, Paul Edward and Theresa Mae.


The parents are members of St. Joseph's Roman Catholic church of Maumee, and in politics Mr. Miller is non-partisan, casting his ballot for the candidates whom he considers best fitted for office. He is identified with the Knights of Columbus, the Fraternal Order of Eagles, the Benevolent and Protective Order of Elks, the Toledo Yacht Club, the Heather Downs Country Club and the Lions Club. Starting out in the business world at an early age, Mr. Miller has steadily worked his way upward, achieving that success which is the merited reward of industry, perseverance, capability and integrity.


ODIS C. CLARK


Thoroughly equipped for his chosen vocation, Odis C. Clark has registered achievement and ably discharges the duties of superintendent of schools of Lacarne. He was born in Mount Blanchard, Hancock county, Ohio, in 1903 and graduated from high school in 1921. Afterward he received the degree of Bachelor of Arts from Adrian College of Michgan and also attended Bowling Green College of Ohio. Entering upon the active work of his profession in 1924, he was an instructor in the high school at Mount Blanchard for a year and during 1926 taught at Tiro, Ohio. In 1927 and 1928 he was engaged in teaching at Forest, Ohio, and in 1929 was made superintendent of the public schools of Lacarne. Studious by nature, he keeps in touch with the most modern ideas in regard to the education of children, and his efforts have been productive of gratifying results.


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On the 11th of August, 1926, Mr. Clark married Miss Ruth H. Shilling, of Tiro, and they now have a daughter, Betty Elaine, who was born in December, 1927. Mr. Clark is a member of the Sigma Alpha Epsilon fraternity and the district and state education associations. He is a young man of high ideals and possesses those qualities which insure success in his profession. Mrs. Clark is active in church work and in the affairs of the Woman's Christian Temperance Union, also figuring prominently in the social life of Lacarne.


JOSEPH J. ACKER


Joseph Acker, conducting an undertaking establishment at 2625 Cherry street in Toledo, was born in this city, September 27, 1897, a son of Joseph L. and Mary (Pfefferle) Acker, who are also natives of this state, the mother's birth having, occurred in Toledo. The parents are still living but have lost their only daughter, Mary, who died in 1918. Their surviving sons are Joseph J. and Paul M., the latter an optician of Toledo.


After attending the grammar and high schools Joseph J. Acker became a student in St. John's College of Toledo, pursuing his studies there for two years. In 1901 he started in the business world as the associate of his father and Frank J. Senn, who were operating under the firm style of Senn & Acker. The partnership was continued until 1914, when Mr. Acker took over the interests of Mr. Senn, and the business has since been conducted under the style of Joseph L. Acker & Son. In the meantime the junior partner had thoroughly acquainted himself with every phase of the business, developing a high degree of skill in this field. At a recent date the firm removed to the new home at 2625 Cherry street, remodeling the building and making it the finest establishment of its kind in Toledo. It is modern in every respect, is beautifully appointed and furnishes every facility for the comfort of the bereaved families as well as for the care of the dead. There are four service parlors, which can be used for large or small funerals, and there is a designs room in the center of these four parlors. The latest designs in furniture,


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carpets and draperies are to be found here, and the whole place is thoroughly artistic and in keeping with the purpose for which it is used. The father and son devote their per sonal attention to the conduct of the business and the former is also president of the Corn City Savings & Loan Association of Toledo. Fraternally he is connected with the Benevolent Protective Order of Elks and the Knights of Columbus.


Joseph J. Acker was married May 4, 1920, to Miss Olive J. Rekart, a native of Putnam county, Ohio, and a daughter of Joseph and Josephine Rekart, both of whom have passed away. Mr. and Mrs. Acker have three children : Mary Margaret, born February 18, 1921; Corinne, February 19, 1923; and Joanne, May 16, 1928.


Mr. Acker is well known in fraternal circles, having membership with the Benevolent Protective Order of Elks, the Fraternal Order of Eagles, the Foresters of America and the Knights of Columbus, all of Toledo. Bowling is perhaps his only diversion, and he greatly enjoys the sport during the winter seasons. Both he and his father occupy an enviable position in public regard. They have a wide acquaintance in Toledo, and their business reputation is an unassailable one. They are actuated in all that they do by a spirit of progress and enterprise and are rendering to the public a service that is highly efficient and acceptable. The Acker family have long been connected with the Catholic church, giving generous support to its work, and in matters of citizenship they have ever stood for advancement and improvement.


E. DONALD DEMUTH


E. Donald DeMuth, one of the well known of the younger members of the Toledo bar who is accorded a position of prominence in legal circles, was born in Whitehouse, Lucas county, February 17, 1896, and is a son of Allen D. and Caroline (Coharis) DeMuth. The father is also a native of Whitehouse and represents an old Ohio family of French and Swiss origin. The grandfather of E. Donald DeMuth was the founder of the family in this country and first located in Pennsylvania. Later he cast his lot with the pioneer settlers


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of Lucas county, Ohio, where he followed the occupation of farming for a considerable period. Allen D. DeMuth has devoted his attention to financial affairs for twenty years and is well known as the president of the Whitehouse State Savings Bank, an institution which has been a potent factor in the development of that section of the state. His wife was born in the vicinity of West Point, New York, and is descended from an old New York state family of German origin.


E. Donald DeMuth completed a course in the Waterville high school in 1911 and was graduated from the Whitehouse high school in 1913. Afterward he was employed for eight and one-half years in the trust department of the Security Savings Bank & Trust Company of Toledo and thus earned the money necessary for his higher education. While working in the bank he attended night classes at the University of Toledo and also pursued his studies in the Ohio State University. He won the degree of LL. B. in 1922 and since 1926 has been engaged in general practice in Toledo. He is city solicitor for Whitehouse and Waterville and attorney for the Whitehouse State Savings Bank and the Security Savings Bank & Trust Company of Toledo.


Mr. DeMuth was married December 5, 1917, in Whitehouse, to Miss Jane Lynn Marshall, a native of Defiance, Ohio, and a daughter of Charles E. and Catherine (Hall) Marshall. Her father, who was engaged in the stave business, has passed away. The four children of Mr. and Mrs. DeMuth, all born in Toledo, are as follows : Robert Donald, who was born December 16, 1918; Dorothy Jane, born September 29, 1920; Marion Annette, born February 3, 1922; and Joan Marie, born March 22, 1924.


The family reside at 3549 Hoyles avenue, and Mr. DeMuth's office is located on the eighth floor of the Security Bank building. When national issues are involved he votes the republican ticket but casts an independent ballot at local elections, supporting the candidate whom he considers best qualified for office. His fraternal affiliations are with the Toledo Lodge of Elks, the Whitehouse Lodge of the Knights of Pythias, and Wakeman Lodge and Fort Meigs Chapter of the Masonic order. He is a member of the Toledo and Ohio


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State Bar Associations, the Highland Meadows Golf Club and the Toledo Chamber of Commerce. Mr. DeMuth closely adheres to the ethical standards of his profession and enjoys a high-class clientele.


WILLIAM D. DAVIS


Insurance interests of Toledo find an enterprising and prominent representative in William D. Davis, whose progress has been commensurate with his industry and ability. He was born in Springfield, Kentucky, April 29, 1894, and is a son of William Henry and Maggie (Brawley) Davis, who now reside in Cincinnati, Ohio. His education was acquired in the public schools of the Queen city, and in 1923 he entered the employ of the Western & Southern Life Insurance Company, with which he has since been identified. He was agent for four months, assistant superintendent for seventeen months and was then made superintendent of the Piqua, Ohio, district, which position he filled for seven months. Mr. Davis spent one year in Detroit, Michigan, going to Louisville, Kentucky, at the end of that time and remaining in that city for two and a half years. He has been stationed in Toledo since November, 1928, with headquarters in the Cherry-Summit block, and directs the activities of twenty-five agents, five assistant superintendents and a large office force. Energetic and efficient, he has greatly increased the volume of business in his territory and is one of the most capable representatives of his company, which is located in Cincinnati. The corporation is erecting a fourteen-story addition to the home office in that city and will utilize all of the space in both the old and the new structures in the conduct of its extensive business. The policies of the company are broad in coverage, while its rates are the minimum for the utmost in protection.


In 1914 Mr. Davis married Miss Elvina Smith, a daughter of Henry C. and Phoebe Smith, the former now deceased, and the latter is residing with Mr. and Mrs. Davis in Toledo. Mr. Smith devoted forty years to journalistic work and in point of continuous service was Cincinnati's oldest


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newspaper man. - Mr. and Mrs. Davis have two children : William H., who was born February 20, 1916; and Betty Jane, born January 11, 1922.


The family attend the Norwood Christian church, and Mrs. Davis is active in religious and charitable work. Mr. Davis is an adherent of the republican party, for he deems that its policy best conserves national progress and promotes public stability. While a resident of Louisville he was inducted into the Masonic order, and in Cincinnati he became a member of the Junior Order of United American Mechanics. He has few outside interests, reserving his energies for the conduct of the business intrusted to his charge, and his close application and well developed powers are carrying him steadily forward in his chosen field of endeavor. Mr. Davis' residence is at 4352 Berwick avenue.




FRANK O. D. WHITE


Frank O. D. White is one of the successful life insurance agents of Toledo and throughout his commercial career has concentrated his attention upon this line of business. He was born in Wheeling, West Virginia, March 7, 1890, a son of W. T. W. and Emma Virginia (Dowler) White. The father passed away, and the mother still resides in Wheeling.


In the acquirement of an education Frank O. D. White attended public and private schools of his native city and completed his studies in the Linsly Military Academy at Wheeling. For a time he filled a position in an insurance office in that city and afterward was similarly employed in Denver, Pittsburgh and New York city. In 1917 he enlisted for service in the World war and received his preliminary training at Fort Oglethorpe, Georgia. He was commissioned a first lieutenant and assigned to the Sixtieth Regiment of United States Infantry. While in France he was with the Fifth Division and was twice wounded, first in the St. Die sector and later in the Meuse-Argonne offensive. He displayed high courage on the field of battle and received citations for gallantry under fire. Mr. White spent eighteen months overseas and in 1919 was discharged. In September


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of that year he came to Toledo as general agent of the Massachusetts Mutual Life Insurance Company and in the intervening period has greatly stimulated the growth of their business in this district. He has a detailed knowledge of the business and is also endowed with the requisite initiative and executive force.


On the 29th of May, 1913, Mr. White was married to Miss A. Madelyne Schleicher, of Pittsburgh, Pennsylvania, who has proven an ideal helpmate and companion. Mr. White is a thirty-second degree Mason and Shriner, and is identified with the Benevolent Protective Order of Elks. He is also a member of the American Legion and the Chamber of Commerce.


RUEL THAYER BROWN


Alert, energetic and well poised, Ruel Thayer Brown has fully demonstrated his ability to cope with the strenuous conditions of modern commercial life and is successfully controlling the destiny of one of the leading insurance firms of Toledo, his native city. He was born February 23, 1961, and is a son of Alva H. and Cora ( Thayer) Brown, both of English lineage. His grandfather, Tristram D. Brown, was a direct descendant of the distinguished Virginian, Richard Henry Lee, who was one of the signers of the Declaration of Independence. Tristram Brown (I), grandfather of Tristram D. Brown (II), was an intrepid Indian fighter and while serving in the War of 1812 was captured by a band of savages, who killed him. Tristram D. Brown enlisted in the Union army, joining the Fourteenth Regiment of Indiana Volunteers, and was wounded in the first battle of Winchester. After recovering he drilled a force of men at Elba, New York; took his company to Baltimore, Maryland, and turned it over to the Federal government. He then returned to the north and organized and drilled other companies until the close of the Civil war.


His son, Alva H. Brown, was born in Elba, New York, and received his early education in that state, completing his studies in Michigan. Early in the '90s he settled in Toledo,


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Ohio, and was here engaged in manufacturing for several years but is now living retired in this city. He is a member of the Baptist church and gives his political support to the democratic party. The Thayer family was first established in New York state and has been represented in America for many generations. Mrs. Alva H. Brown was born in Toledo, January 27, 1868, a daughter of Ruel and Anna (Anderson) Thayer, who were the owners of a large farm. Both the Anderson and Thayer families were pioneer settlers of Woodville, Ohio, and the log cabin which Mr. Anderson built there is still standing. Mrs. Brown was devoted to her family and friends, and her death on the 10th of June, 1925, when she was fifty-seven years of age, occasioned deep sorrow, for her gentle, unselfish nature had made her greatly beloved. She was the mother of two children, Ruel T. and Lois, both residents of Toledo.


The son was graduated from the Waite high school in 1918, and his higher education was received in Denison University of Ohio and Columbia University of New York. After leaving school he sold insurance and in August, 1927, established a business of his own in Toledo, organizing the R. T. Brown Company, of which he has since been the president. The firm specializes in automobile insurance, but writes all forms, and represents the oldest and most reliable corporations in the field. Mr. Brown has fostered the growth of the business by deep thought and study and the maintenance of a high standard of service. He also has other interests, being vice president and a director of the Civic Mortgage Company and treasurer and a director of the Financial Securities Corporation, both Toledo concerns of high rating.


On the 6th of February, 1926, Mr. Brown was married in Port Clinton, Ohio, to Miss Gertrude Cleaver, a native of that town and a daughter of William H. and Gertrude (Maul) Cleaver, representatives of old and prominent families of that locality. Mr. and Mrs. Brown have two children Ruel Thayer, Jr., who was born January 16, 1927; and Susan Diantha, born March 8, 1928. Mrs. Brown devotes her time to the care of her children and home and is an ideal type of womanhood.


Mr. Brown is affiliated with the Memorial Baptist church


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and casts his ballot for the candidates of the democratic party. He is a member of the Toledo Chamber of Commerce, the Heather Downs Country Club, the Catawba Cliffs Beach Club and Sanford Collins Lodge, No. 396, of the Masonic order. The residence of the family is at No. 3747 Elmhurst road, and Mr. Brown's office is situated on the fifth floor of the Spitzer building. He enjoys golf, tennis, hunting and other outdoor sports, but never neglects his business, and that he is a young man of exceptional enterprise and ability is shown by what he has already accomplished. He heartily endorses all projects for Toledo's growth and betterment and is highly esteemed in the city in which his life has been spent.


FREDERICK CLARK AVERILL


Well equipped for the work of his profession, Frederick Clark Averill has established an enviable reputation as an attorney and is a member of a family that has contributed materially toward the prestige of Toledo's legal fraternity. He was born in St. Louis, Missouri, December 25, 1875, a son of Henry E. and Julia M. (Dodge) Averill, and is of English lineage in the paternal line. His forbears came to this country in colonial times, settling in Connecticut, and the family was represented in the Continental army during the Revolutionary war. His father resided in Perrysburg but engaged in the practice of law in Toledo and for many years was classed with its leading attorneys.


Frederick C. Averill attended the public schools of Perrysburg and the University of Michigan, which bestowed upon him the degree of Bachelor of Science. Later he was a student at Columbia University of New York city, where he completed his education, receiving the degrees of Master of Arts and Bachelor of Laws. Since his admission to the bar of Ohio in 1901, Mr. Averill has practiced in Toledo, successfully handling much important litigation, with offices in the Nicholas building. He is well versed in the minutiae of the law, felicitous and clear in argument, and wins a large percentage of his cases.


A man of cultured tastes, Mr. Averill is thoroughly ap-


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preciative of the best in literature and has long evinced a deep and helpful interest in the Way public library, which was donated to Perrysburg by the late Willard V. Way. As secretary of its board of managers and chairman of the book committee for many years, he is largely responsible for the growth of the library and the expansion of its influence. Few towns the size of Perrysburg can boast of a public institution as well equipped and efficiently conducted as the Way public library, which has greatly stimulated the development of the community along intellectual and cultural lines, thus becoming a valuable public asset. Mr. Averill spends the summer months in his attractive home at Perrysburg and is a trustee of its Presbyterian church, one of the oldest religious institutions in northwestern Ohio. He is a member of the board of education of Perrysburg, and is connected with the Sons of the American Revolution and the Toledo, Lucas County, Ohio State and American Bar Associations. During his extensive travels he has broadened his outlook upon life, at the same time gaining a wide acquaintance, and is endowed with those qualities which inspire strong and enduring regard.


KENTON D. KEILHOLTZ


Industry and determination have shaped the career of Kenton D. Keilholtz, a member of the firm of Southworth & Company and one of the substantial business men and public-spirited citizens of Toledo. He was born in Tiffin, Ohio, June 24, 1885, a son of Richard William and Annie (Drake) Keilholtz. The father was born in Tiffin, May 13, 1851, and was a representative of an old Ohio family of German origin. He was reared and educated in his native city and in 1892 established his home in Toledo. He was a well known manufacturer and developed a prosperous business, at the same time contributing toward the industrial progress of the city. His political allegiance was given to the democratic party, and in religious faith he was a Presbyterian. He was a good citizen and remained in Toledo until his death on the 19th of February, 1909, when he was fifty-seven years of age. His widow, who was born in Monroeville, Ohio, is of English


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lineage and still resides in, Toledo. Mr. and Mrs. Keilholtz were the parents of ten children, seven sons and three daughters, of whom six sons and a daughter survive.


Kenton D. Keilholtz, the third in order of birth, attended the old Central high school of Toledo and was graduated with the class of 1902. While in the employ of W. A. Rundell & Company he obtained an insight into the business in which he is now engaged and in 1902 accepted a more desirable position with Southworth & Company. His ready adaptability and devotion to their interests were rewarded by rapid advancement, and in 1912 he was made a member of the firm. Mr. Keilholtz has been a forceful factor in the upbuilding of the business, which consists of the receiving, storing and distributing of grain seeds and also trades in New York and local stocks. This is one of the oldest and most reliable institutions of the kind in Toledo and also one of the largest. Mr. Keilholtz has been president of the Toledo Produce Exchange three times; is a director of the Security Savings Bank & Trust Company and the Gallant Lumber & Coal Company of Toledo, all of which have been benefited by his mature judgment and earnest, systematic efforts. In 1929 Mr. Keilholtz completed the Kenton building on the corner of Monroe street and Collingwood avenue.


On the 14th of November, 1907, Mr. Keilholtz was married in Toledo to Miss Flora Conklin, a native of Tecumseh, Michigan, and a daughter of H. G. and Sally (Gage) Conklin, members of old and prominent Manchester families. Mr. and Mrs. Keilholtz have become the parents of two sons : Richard Conklin, who was born July 17, 1910; and Robert Gage, born May 25, 1912.


The family reside at No. 2005 Potomac drive but they spend the summer months at Clear Lake, and Mr. Keilholtz has an office in the Second National Bank building of Toledo. For three years he was chairman of the board of trustees of the Collingwood Presbyterian church, of which he has long been a zealous member, and his political allegiance is given to the republican party. He is a charter member of the Barton Smith Lodge of Masons and holds the thirty-second degree in the order. He also belongs to the local lodge of Elks, the Chicago Board of Trade, the Chicago Curb Exchange, the


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Buffalo Corn Exchange, the Toledo Produce Exchange, the Toledo Club and the Inverness Golf Club. For fifteen years he has been a trustee of the Toledo Young Men's Christian Association, to which he recently donated the sum of twenty-five thousand dollars for the purchase of the Boys' camp at Stoney Lake. Mr. Keilholtz has demonstrated his humanitarian spirit by practical benevolent work and possesses those qualities which men most admire.


WAYNE R. PEPPERS


Wayne R. Peppers, engaged in the practice of law in Toledo, which numbers him among its young and prominent attorneys, was born in Dennison, Ohio, January 15, 1894, and is a son of John and Bird (Romick) Peppers. His grandfather, Thomas Peppers, a native of Delaware, Ohio, was a pilot of river boats and spent the latter part of his life in retirement at Steubenville, Ohio. He was a member of the Presbyterian church and gave his political support to the republican party. His wife, Virginia (Winters) Peppers, was born in Wheeling, West Virginia, and passed away in Newark, Ohio.


John Peppers, who was born at. Steubenville, Ohio, September 19, 1861, engaged in railroad work for many years but is now living retired in Toledo. He adheres to the Methodist Episcopal faith and in politics is a democrat. His wife, a native of Martins Ferry, Ohio, was born February 18, 1871. Her father, Joseph Romick, was born in Georgetown, Ohio, and during the Civil war was a drummer boy in the Union army. Captured by the Confederate forces, he twice made his escape from Andersonville prison and as a result of his confinement contracted fever, which caused his death at the age of thirty-three years. He was affiliated with the Methodist Episcopal church of Martins Ferry and cast his ballot for the candidates of the republican party. His wife, Eliza M. (Coss) Romick, was a native of Bridgeport. Both passed away at Martins Ferry.


It was in Martins Ferry that Wayne R. Peppers obtained his early instruction, afterward becoming a pupil in the old


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Central high school of Toledo and the Tri-State Business College. He next attended St. John's University, completing his education in Toledo University, from which he was graduated in 1919 with the degree of LL. B. On July 2 of the same year he was admitted to the Ohio bar and on September 15, 1920, qualified for practice in the federal courts. For ten years he has followed his profession in Toledo, displaying keen sagacity in the solution of intricate legal problems, and his clientele has steadily increased in volume as well as in importance. He devotes much time and thought to the preparation of his cases and is felicitous and clear in argument.


Mr. Peppers was married July 14, 1923, in Detroit, Michigan, to Miss Ethel A. Mathias, a daughter of Henry F. and Mary (Provo) Mathias, both now deceased. Mrs. Peppers was born August 18, 1902, in Toledo and attended its public schools. Mr. and Mrs. Peppers have become the parents of a daughter, Virginia May, who was born June 21, 1924.


Mr. Peppers is identified with the Fraternal Order of Eagles, the York and Scottish Rite bodies of Masonry and Zenobia Temple of the Mystic Shrine. Mrs. Peppers is connected with Dendarah Court of the Oriental Shrine and also with the Toledo chapter of the Eastern Star. She adheres to the Congregational faith, and Mr. Peppers is a Presbyterian, while in politics he is nonpartisan, voting according to the dictates of his judgment. He is a member of the Toledo, Ohio State and American Bar Associations and closely applies himself to the work of his profession, of which he is an able exponent, while his personal attributes are such as make for esteem and friendship.


AUGUST M. STREICHER


August M. Streicher, junior member of the well known law firm of Connolly, McCabe, Flory & Streicher, is one of Toledo's well known attorneys, having appeared as counsel in many important cases in the courts of Lucas county. He as born in this city on the 3d of September, 1891, a son of August M. and Catherine (Gilsdorf) Streicher. His father, who died at the age of forty-three years, was for many years


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engaged in the cloak manufacturing business in Toledo; was a leader in commercial affairs of the city and was active in the advancement of the civic interests of the community. The mother passed away in 1925. To this worthy couple were born eight children, as follows : August M., of this review; Belle, who was the wife of Albert Bernard, and died in March, 1929; Grace, who died at the age of thirty-three years; John H., who is an officer of the Commercial Bank of Toledo; Nicholas, a resident of Toledo; Amelia, the wife of Frank Burley, of Detroit, Michigan; Mary, the wife of John J. Wenninger, of Toledo; and Loretta, the wife of Earl Van Wormer, of Toledo.


August M. Streicher received his early education in the parochial schools of Toledo, and then entered the law department of St. John's University of Toledo, from which he was graduated with the class of 1912. He was admitted to the bar and at once entered upon the practice of his profession, in which success attended him from the start. He served for several years as assistant prosecuting attorney under Judge Roy Stuart, after which he was for four years a member of the state legislature. On the expiration of his last term he took up the private practice of law as a member of the firm of Connolly, McCabe, Flory & Streicher, with offices at 738-746 Ohio building, and commands a flattering practice.


On January 8, 1916, Mr. Streicher was united in marriage to Miss Angela Pilliod, who was born and reared in Toledo and is a daughter of Henry and Clara Pilliod, the former of whom is deceased. Mr. and Mrs. Streicher are the parents of three sons, namely : Robert H., born November 28, 1918; William A., born June 9, 1923; and Bernard, born October 4, 1928. Mrs. Streicher's brother, Dr. Frank W. Pilliod, was the first physician from Toledo to leave for service in France.


Mr. Streicher is a member of Toledo Lodge, No. 53, B. P. O. E., and of Toledo Council, No. 386, K. C., of which he is the advocate, and also belongs to and is president of the Toledo chapter of the Delta Phi Lambda college fraternity. He and his family are members of Jesu Roman Catholic church and Mrs. Streicher is very active in church and social circles,


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being a popular member of her social group. The family occupy a comfortable and attractive home in Westmoreland. Mr. Streicher possesses the essential attributes of the able and successful lawyer, and throughout this community he is greatly respected by all who know him.


WILLIAM L. LANE


William L. Lane, who is connected with the Kelley Island Lime & Transport Company, is well known in Marblehead, which for more than thirty years has numbered him among its loyal citizens. He was born in Carrollton, Ohio, in 1866, a son of John E. and Julia A. Lane, the former also a native of the Buckeye state and a member of an old family of Pennsylvania.


Reared on his father's farm, William L. Lane obtained his education in the public schools of Carroll county, Ohio, and afterward, taking up the study of telegraphy, was operator for the Cleveland, Canton & Southern Railroad at Carrollton for a year. In 1891 he came to Marblehead as an employe of the Lakeside & Marblehead Railroad, with which he remained until 1916, when he entered the service of the Kelley Island Lime & Transport Company, manufacturers of stone and lime. Mr. Lane is a stockholder of the corporation, of which he has been chief clerk for thirteen years, rendering valuable service to the firm through the efficient and conscientious discharge of his important duties. The company operates large quarries adjacent to Marblehead and has the only lime products plant in the eastern part of Ottawa county.


In 1893 Mr. Lane was married in Minerva, Ohio, to Miss Agnes Zollars, of Carroll county, and they have two children ; Marion, who was graduated from the University of Ohio and is teacher of home economics in the high school at Columbus, this state ; and John, who married Miss Norma Graves and is assistant cashier of the Bank of Marblehead.


The family are Congregationalists in religious faith, and Mrs. Lane devotes much time to church work, being connected with the Ladies Aid Society and the Missionary Soci-


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ety. Mr. Lane gives his political support to the republican party and manifests his public spirit by service on the board of education, also furthering the progress of his community as a member of the Civic Club. Along social and fraternal lines he is connected with the Catawba Cliffs Country and Beach Club, the Port Clinton lodge of Masons and Marblehead lodge of the Knights of Pythias.


ARTHUR P. SCHULTZ


The development of the motor car has brought about the establishment of many new lines of business, among which are the service stations necessary to meet the requirements of the automobile for gas, oil and other necessities. It is to this field of business that Arthur P. Schultz has directed his efforts and the Schultz Service Station, maintained at Jefferson and Huron streets in Toledo, is open day and night to serve the public. Its owner, Arthur P. Schultz, was born in Morgantown, Berks county, Pennsylvania, April 12, 1886, and is descended in the paternal line from. German ancestry. His father, Joseph Schultz, who was born in Berks county, Pennsylvania, in 1862, spent his entire life there and after completing his education devoted his attention largely to agricultural pursuits, while for some years he was also a distributor for the Deering Company, manufacturers of farm implements, at Morgantown. His political endorsement was given to the republican party and his religious faith was that of the Mennonite church. He passed away at his home near Morgantown in 1904, at the age of forty-two years., His wife, who bore the maiden name of Elizabeth Templin, was born near Honey Brook, Chester county, Pennsylvania, and was of English lineage in the paternal line and of German descent in the maternal line. Mr. and Mrs. Schultz became the parents of three children, but one has passed away. The surviving daughter is Eva, the wife of Le Roy Quickel, of Harrisburg, Pennsylvania.

Arthur P. Schultz was a pupil in the public and township high schools of his native county until graduated with the class of 1903. Following the death of his father he conducted


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the home farm for three years, supporting his mother and sister, but believed that he would find other pursuits more congenial than farm work and entered upon an apprenticeship to the machinist's trade in Morgantown. He did not find this altogether to his liking, however, and took up threshing and sawmill work, following the latter for a period of five years. In 1913 he came to Toledo, arriving an entire stranger but hoping to find business and home conditions pleasant. His first position here was in the Overland factory and in those early days he also worked as a stationary engineer. In 1916 he filled positions as a repair mechanic in various automobile shops of Toledo and this eventually led to his entering his present line of business—that of the auto service station. He established the Schultz Service Station in 1918 and with the passing years has developed a business that is scarcely second to any in its line in Toledo. His service station is situated at the corner of Jefferson and Huron streets, on the line of the state and federal automobile routes, and was the first modern lubrication service station of the city. Originally he carried on business at 618 Locust street but with the growth of his patronage sought a more advantageous corner and his plant now covers sixty thousand square feet and is supplied with the latest and most modern equipment to be found in this kind of business. He employs seven mechanics and is now at the head of an enterprise that brings to him excellent financial returns. He has based his success upon a high standard of service, thorough reliability in his dealings, upon unfailing courtesy and close attention to the wants of patrons..


In September, 1915, in Toledo, Mr. Schultz was married to Miss Minnie Ranildi, a native of Lucas county and in both paternal and maternal lines a representative of old families here. Mrs. Schultz takes active part in the work of the Forsyth Relief Corps.


Mr. Schultz votes independently at local elections but when national issues are involved gives his allegiance to the republican party. He is a member of the Lutheran church and is well known in fraternal circles through his connection with the Benevolent and Protective Order of Elks, the Loyal Order of Moose and the Fraternal Order of Eagles. He en-


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joys aquatic sports and he has membership in the Bay View and the Ottawa River Yacht Clubs. Motoring and travel also constitute favorite forms of diversion with him and when leisure permits he visits various sections of the country, his annual trips covering from one to ten thousand miles. One cannot do this and be narrow-minded and provincial. On the contrary, he is cosmopolitan in tastes and interests and keeps at all times in touch with modern thought and progress.




JOHN WALLACE WHITMER


An earnest, conscientious student, John Wallace Whitmer made thorough preparation for his chosen profession, in which he has made substantial progress, and for fourteen years has ably discharged the duties of superintendent of schools of Lucas county. He was born in Waterville, this county, November 18, 1877, a son of Joseph and Gottliebe (Strobel) Whitmer, the former a native of Switzerland and the latter of Wittenberg, Germany. The father passed away in 1912, and the mother's demise occurred in 1893. They were the parents of twelve children, ten of whom survive.


Reared on his father's farm, John Wallace Whitmer attended the common schools of that locality and the Wooster summer school. He was a student at the University of Michigan and won the degree of Ph. B. from Wooster College in 1915, subsequently completing a course in the Ohio State University, which conferred upon him the M. A. degree in 1926. His initial experience as a teacher was gained in 1899, and in 1903 he became superintendent of schools at Waterville, there remaining until 1914. In 1915 he came to Toledo and has since had supervision of the Lucas county schools, making a fine record in the office. Thoroughly understanding the needs of the pupils, he has instituted many changes and improvements in the curriculum and methods of instruction and keeps in close touch with the most modern ideas in regard to the education of children. He has brought the schools of the county up to a high standard, and his continuation in the office of superintendent is an eloquent testimonial to his worth.


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On the 11th of July, 1917, Mr. Whitmer was united in marriage to Miss Karis Jameson, of East Liberty, Ohio, and their attractive home in Toledo is a center of the city's social and cultural life. Mr. Whitmer is affiliated with the Methodist Episcopal church and casts his ballot for the candidates of the republican party. He belongs to the various Masonic bodies and filled all of the chairs in Wakeman Lodge No. 522, F. & A. M., at Waterville. He is now senior warden of the commandery at Toledo and is also identified with the local lodge of the Independent Order of Odd Fellows. Mr. Whitmer is clerk of the Lucas county board of school examiners and an ex-president of the County Superintendents Association of Ohio. He is identified with the Lucas County Teachers Association, the Northwestern Ohio Teachers Association, the State Teachers Association and the National Teachers Association. In the last named he holds a life membership, purchased for him by the teachers of Lucas county, and he is also connected with Phi Delta Kappa college fraternity. Endowed by nature with a special gift for the line of work in which he is engaged, Mr. Whitmer has advanced the standards of education in northwestern Ohio, and his tact, consideration and kindly disposition have won for him the high and enduring regard of all with whom he has been associated. His residence is at 801 Mason street, Toledo.


MANFRED MILTON STOPHLET


Manfred M. Stophlet has long been known as one of the most capable and successful architects in northwestern Ohio and is worthy of being numbered among those whose activities have typified the enterprising and progressive spirit of Toledo, where he has resided for nearly three decades. He was born in Fort Wayne, Indiana, on the 20th of June, 1877, and is a son of John Walpole and Lizzie (Underhill) Stophlet. The earliest record of the family is found in the history of the provinces of Alsace and Lorraine, whence some of its members came to America. Samuel Stophlet, the paternal grandfather of our subject, was born in Pennsylvania and went to Fort Wayne, Indiana, very early in the history of


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that city. He served as postmaster there for many years and was a member of the state legislature, as well as a counselor for the Indians. Judge Stophlet, as he was called, married Miss Mary McMaken, a daughter of a pioneer of Fort Wayne, whose early recollections extended back to a residence in the old blockhouse of the fort built by General Anthony Wayne in 1794. Samuel and Mary Stophlet were the parents of John Walpole Stophlet, who was born in Fort Wayne, Indiana, April 25, 1845. He received his education in the schools of his native city. At the age of seventeen years he served as a private in the Civil war, being a member of the One Hundred and Fifty-first Ohio Volunteer Infantry, one of the "hundred day" regiments called out in 1864. He was a member of Rubicon Lodge, No. 237, F. & A. M., and when he died, January 20, 1905, his funeral was in charge of the Masonic lodge, which escorted his remains to Fort Wayne, Indiana, for burial. In 1872 he had married Lizzie Underhill, a daughter of Phineas Strong and Harriet Underhill, and to them were born five children, one of whom is deceased, the survivers being Alonzo B., Manfred M., Mark B. and Harry S. In July, 1886, John W. Stophlet brought his family to Toledo. Phineas Strong and Harriet (Boynton) Underhill were among the earliest settlers of Fort Wayne, to which place they migrated from New England, and at the time of his death Mr. Underhill was numbered among the prominent business men and influential citizens of that city.


Manfred M. Stophlet attended the public schools of Fort Wayne and Toledo, after which he studied architecture in Columbia University, New York city. In 1901 he returned to Toledo, where he has since been associated with several of the city's leading architects, being at this time a member of the firm of Stophlet & Stophlet. He has designed a large number of commercial and public buildings in Toledo and surrounding territory in Ohio and Michigan, and is widely known for the utility as well as the beauty and dignity of his designs.


Mr. Stophlet has been married twice, first to Miss Agnes R. Tower, of Toledo, by which union were born three children, Robert Tower, Richard Boynton and Dorothy Eliza-


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beth. On September 9, 1922, Mr. Stophlet married Miss Emma Elizabeth Reichart, a native of Ohio and a daughter of William Reichart.


Mr. Stophlet is a member of Rubicon Lodge, No. 237; F. & A. M.; Fort Meigs Chapter, No. 29, R. A. M.; Toledo Council, No. 33, R. & S. M.; Toledo Commandery, No. 7, K. T.; Zenobia Temple, A. A. O. N. M. S.; O-Ton-Ta-La Grotto, No. 40; Toledo Lodge, No. 53, B. P. O. E.; is a life member of the Maumee River Yacht Club; belongs to the Toledo Traveling Men's Association, the Toledo Chamber of Commerce, the Rotary Club, the Toledo Automobile Club and the Sylvania Golf Club, and is also affiliated with the American Institute of Architects. His religious connection is with the Epworth Methodist Episcopal church. A man of earnest purpose and useful life, he is very highly regarded throughout the range of his acquaintance and is one of his city's representative professional men.


AMMI FROST MITCHELL


Ammi Frost Mitchell, vice president of the Ohio Savings Bank & Trust Company, is one of the prominent figures in Toledo's banking and financial center, having been for over forty-two years identified with those interests in this city. He was born in Maumee, Lucas county, Ohio, March 13, 1869, a son of Reuben B. and Ellen A. (Frost) Mitchell. The father was a native of Maine and migrated to the Buckeye state as a young man. He established the first foundry in Lucas county and later became a prominent banker of Maumee. His useful, upright life was terminated May 10, 1900, and his wife passed away in 1919.


A. F. Mitchell was educated in the public schools of Maumee, Toledo, and the St. Johnsbury Academy at St. Johnsbury, Vermont. He began his business career in his father's bank at Maumee, which he left in 1887, and for six months thereafter was employed in the Merchants & Clerks Savings Bank of Toledo. On the expiration of that period he entered the Northern National Bank of Toledo, starting as correspondence clerk and rising to the office of vice president. Mr.