Daily Alaska Empire
Published every evening except Sunday by the
EMPIRE PRINTING COMPANY
Second and Main Streets, Juneau Alaska
HELEN TROY MONSEN - - - - President
DOROTHY TROY LINGO ... Vice-President
Entered in the Post Office in Juneau as Second Class Matter.
SI INSCRIPTION RATES:
Delivered by carrier in Juneau and Douglas for $1.73 per month;
six months. $9.00; one year. $17.50
Bv mail, postage paid, at the following rates:
One year, in advance. $15.00, six months, in advance, 17.50;
one month, in advance. $1.50. _...
Subscribers will confer a favor if they will promptly notify
the Business Office of any failure or irregularity in the delivery
of their papers.
Telephones: Nows Office. 602; Business Office, 3 <4.
MEMBER OF ASSOCIATED PRESS
The Associated Press is exclusively entitled to the use for
republication of all news dispatches credited to it or not other
wise credited in this paper and also the local news published
herein. _
NATIONAL REPRESENTATIVES — Alaska Newspapers, 1411
Fourth Avenue Bldg . Seattle. Wash.
Saturday, November 3, 1951
WHAT ABOUT THE TAXPAYERS .
DEFICIT?
There will not be much left of income in 1952
after the recently passed tax law is fully established.
Income tax will take $1 out of every $4, if taxable
income is $4,000 a year. Taxable income that reaches
$10,000 will be reduced by $2 out of $5 for taxes.
In the $15,000 class of taxable income, tax will take
$1 out of every $2. The man whose taxable income
is $25,000 will have only a third of it left for in that
bracket the government takes $2 out of $3.
And, in case you want some more figures, the
$100,000 of taxable income pays out $9 of every $10.
This leveling-off process will make $10,000 ap
proximate take-home pay for the hundred thousand
dollar executive. Hasn't the $4,000 man—or woman—
who can keep at least $3,000 out of his earnings the
better deal?
Of course those sums are based on taxable in
come after deductions. But even with deductions
there won’t be much left after territorial taxes, city
taxes and the various and sundry hidden taxes, social
security, etc., which most of us pay.
Even Uncle Sam will have a deficit of several
billion dollars alter collecting all of that money
from us.
As for the taxpayers deficit, that Is something
he will have to take care of himself.
Only encouraging word is that this will probably
be the last tax increase; that it is possible in two or
three years, the Congress may cut taxes.
Did someone says something about getting blood
out of a turnip?
Anti-Trust Laws Due for Overhaul
(Anchorage Daily News)
A bill now in Congress seeks to correct the in
justices and imperfections of the nation's unwieldly
anti-trust laws. It calls for the appointment of a
bi-partisan national commission to examine and study
the anti-trust laws and recommend their sensible
amendment and revision.
* • » »
It appears to be one of the new basically for
ward-looking bills to go into the Congressional hopper
in some time.
* • • *
Alaska has had first hand experience with anti
trust suits when the Justice Department hopped £ull
straddle on several Alaskan firms causing them costly
sessions in court and gaining nothing.
The bill is by Senator Wayne Morris of Oregon
and calls for the appointment of a 12-man commis
sion, four by the President, four by the president
of the Senate and four by the speaker of the House
of Representatives. Of each class of appointees not
more than one member may be from each of tho two
major political parties, thus the study cannot be
influenced by political one-sidedness as it will be
evenly dividing as to Republican and Democrat.
* i • * •
The measure to revamp the anti-trust laws is
the dream come true of a San Francisco corporation
lawyer, Phillip S. Ehrlich who has long championed
the rights of American business. He has seen the
growing trend of the federal courts and the ad
ministrative agencies of the government assume more
and more right to determine the economic destiny
of the nation through interpretations of anti-trust
statutes.
This is being done “with neither the knowledge
nor the consent of the American people,” Mr. Ehrlich
charges in a letter advocating passage of the remedial
I bill.
He is very right as witness the Alaska cases
some of which have not yet been terminated. Coal
miners along the Alaska Railroad, all small operators
when compared to the vast corporations of the United
States coal fields, were charged with anti-trust viola
tions. The cleaning concerns, grocers, liquor store
operators, the Alaska Steamship Company, all were
put to great inconvenience and considerable expense,
to mention nothing of countless dollars of taxpayers’
money spent by the government for legal talent in
preparing the cases.
* * * •
We do not propose, nor does Senator Morse or
Mr. Ehrlich intend to propose, that anti-trust laws
are not essential to our national well being. They
are. But it has long been known that they need
overhauling lest more harm come from them than they
do good.
* * * *
Unless the report of the bi-partisan committee
when it is finally made, gets the same treatment
that was given the Hoover report for overhauling
the government, our unafir, unjust and ancient anti
trust laws are due for a general house-cleaning.
Peace is not a matter of standing idle. It is an
ideal to be fought for with all the wisdom and all
the experience of the past.
1
The Washington
Merry-Go-Round
(Continued from Page One)
tions to Germany. These engines
later powered the deadly Fokkers
which heaped devastation on Brit
ish troops.
Note 2—Before Pearl Harbor, the
U. S. Army and Navy followed an
extremely shortsighted policy of
permitting American firms to sell
plane designs and patent licenses
to the Japanese and other potential
enemies. As a result Douglas Air
craft sold the blueprints for the
DC-4 to Japan for $706,720, and
the famed Jap Zero turned out to
be a virtual duplication of the Cur
tiss P-36.
SLOT MACHINE TAXES
Getting your income-tax case
“adjusted" these days seems to be
partly a matter of hiring the right
lawyer. Sometimes a man in tax
trout le will go 3,000 miles, clear
aero :s the continent, to hire a law
yer who knows the right person.
Something like this happened in
Portland, Ore., in regard to one of
the biggest slot-machine tax-fraud
cases in the country. The two tax
defaulters, slot-machine moguls Les
Beckman and Bob Allen of Port
land, have just been indicted, but it
took a long time to do it.
An excellent case against them
was completed one year ago by
agent Paul W. deFoe in Portland
and sent to Internal Revenue head
quarters in San Francisco. There it
suddenly stopped. Months passed
and nothing happened. The case
against Allen and Beckman con
tinued to gather dust.
Meanwhile the lawyer Beckman
and Allen hired was not a local at
torney from Portland and Joe Burns
a member of the firm formed by
Hugh Fulton, former counsel to
Harry Truman on the old Truman
committee, and Rudolph Halley,
counsel for the Kefauver committee.
Their offices are in New York. Des
pite this, Beckman and Allen
reached across the United States
and hired a man out of their office.
The man they hired, able Joe
Burns, once served as attorney in
the tax division of the Justice De
partment, where he worked with
Walter Campbell, then a lawyer
in the tax division and now coun
sel of the Internal Revenue region
al office in San Francisco. It was
Campbell who had to pass judg
ment on the Beckman-Alien tax
fraud case.
OWED U. S. $800,000
Alter a long delay, an ineffective
case against the two slot machinists
was put before a grand jury last
summer, but it was so ineffective
that the jury did not indict.
This failure occurred despite the
fact that the Portland Golf Club
| has cooperated carefully with Inter
nal Revenue agents, kept records of
the money collected in its slot ma
chines. Incidentally, the gamblers’
take from the golf club's machines
ran about $32,000 a month.
The Aero Club also cooperated
! with Internal Revenue agents. It
i had built up a huge surplus dur
] ing the war from slot machines, and
! kept a record of the Alien-Beck
man “take.” Another outfit check
ed by the agents was the Actors
Club, which, however, did not co
operate.
The tax frauds of Beckman and
Allen were considered so flagrant
that it was difficult to see how they
could have escaped indictment. Yet
they did. Finally conscientious new
commissioner John Dunlap asked
Lamar Caudle, assistant attorney
general, to give special attention
! to the case. Caudle, despite an easy
1 going southern charm, is a strait
laced prosecutor, and sent one of his
best men to Portland. This week he
| secured an indictment.
Leckman and Allen were charg
ed with owing Uncle Sam about
$800,000.
TEXAS TOM CONNALLY
Sen. "Long Tawm" Connally, Tex
as Chairman of the Foreign Rela
tions committee, raised the roof
in the privacy of the committee
room when the nomination of Gen.
Mark Clark as ambassador to the
Vatican was announced.
Pounding the table, the shaggy
haired Texan drawled: "Harry Tru
man doesn’t have a damn bit of
regard for me. He didn’t mention
Mark Clark’s name to me. Doesn’t
he know that sending up General
Clark’s name is as bad as nominat
ing Alger Hiss in Texas?
“A lot of folks in Texas,” con
tinued Connally, "think Mark Clark
! was to blame for the heavy casu
alties of the 36th Texas Division at
I the Rapido River. At one time, he’d
1 just about been lynched if he step
ped foot in Texas.”
POLITICAL PIPELINE
Last week President Truman call
ed in India Edwards, head of the
women’s division of the Democrat
ic committee, and orfered her Bill
Boyle’s old job as chairman. Mrs.
Edwards thanked the President and
asked him to give her 24 hours to
think it over. The next day she
wrote a letter thanking him for the
honor, but declined on the ground
that, with a campaign coming up,
the party needed a man at the helm.
. . . .correction: This column was
in error in reporting that Congress
man Horan of Washington was on
a Congressional tour around the
world. Though a reservation was
made on behalf of Horan for the
trip, he did not go. . .Nate Licht
blau has quietly resigned his post
as chairman of the Democratic Na
tional committee’s finance com
mittee. The White House was se
cretly delighted. Lichtblau tried for
several days to secure an appoint
ment with the President to submit
his resignation, but no one at the
White House would let him in. . .
Harold Moskovit’s prediction on the
important election of New York
City Council president is: Joe
Sharkey, Democrat, by around 800,
000 votes; Rudy Halley, Liberal and
ex-counsel for the Kefauver com
mittee, second with about 500,000;
Congressman Latham, GOP, third
with 400,000. . .The man who wins
will probably be the next mayor
of the world’s greatest city. . .Re
ligious balloting has flared in the
wake of the Vatican appointment.
In Ohio last year, Catholics split
their voOe between non-Catholic
Taft and Catholic Ferguson. Most
i Catholic churches leaned backward
I to be neutral. But in Philadelphia
, next week, the Catholic vote is ex
1 pected to line up solid against
Baptist Parson Dan Poling, GOP
' candidate lor mayor.
Community Events
TODAY
At 2 p.m—Rainbow Girls meets for
business session at Scottish Rite
Temple.
[At 8:30 p.m.—Circle Eighters square
dance club meets at Parish Hall.
At 9 p.m.—Ski club barn dance at
AFL Hall.
November 4
At 7:30 p.m.—Delta Chapter of
Beta Sigma Phi banquet in Gold
Room of Baranof Hotel.
November 5
At noon—Lions Club meets at Bara
nof Hotel.
At noon—BPWC meets at Baranof
Hotel.
At 7 p.m.—Headquarters and Head
quarters Service Co. weekly drill
in Armory.
At 7 p.m.—Juneau Badminton club
will play in high school gym.
At 8 p.m.—American Legion post
meets in Dugout.
November 6
At noon—Rotary club meets Bara
nof hotel.
At 7:30 p.m. — Delta Chapter of
Beta Sigma Phi meets in Gold
Room of Baranof.
At 8 p.m.—American Legion Aux
iliary meets in Dugout.
At 8 p.m.—Folkateers meet in grade
school gym.
At 8 p.m.—Coast Guard wives meet
to sew on doll clothing at home of
Mrs. Paul Trimble, 202 Sixth St.
At 8:30 p.m.—Community Center
Night for Adults at Teen Age
Club with square dancing.
November 7
At noon—Kiwanis Club meets, Bara
nof.
At 8 p.m.—Elks Lodge.
November 8
At noon—Chamber of Commerce
meets at Baranof Hotel.
At 8 p.m.—VFW post meets in Jeep
club.
■teal
• •
• NOVEMBER 3 •
• • 1
• Mrs. Charles C. Personeus •
• John Clauson •
• Virginia Nielson '•
• Ralph Treffers •
• Bob Ripke •
• •
• NOVEMBER 4 •
• •
• C. L. Zimmerman •
• Mrs. Mike Pusich •'
• Mrs. Frank Metcalf •
• Mrs. J. L. Gray •
• Betty Rundell •
• ••••••••••
Weather at
Alaska Points
Weather conditions and tempera
tures at various Alaska points also
on the Pacific Coast, at 4:30 p.m.,
120th Meridian Time, and released
by the Weather Bureau are as
follows:
Anchorage . 30—Cloudy
Barrow . 25—Cloudy
Bethel . 25—Cloudy
Cordova . 37—Drizzle
Dawson . 25—Cloudy
Edmonton . 11—Snow
Fairbanks . 17—Fog
Haines . 35^Rain
Havre . 25—Snow
Juneau Airport . 39—Rain
Annette Island . 46—Rain
Kodiak .j.. 40—Rain
Kotzebue . 28—Partly Cloudy
McGrath . 28—Fog
Nome . 35—Cloudy
Northway. 14—Cloudy
, Petersburg . 47—Rain
Portland —Missing
Prince George . 28—Cloudy
Seattle ... 42—Rain
Whitehorse.31—Snow
Yakutat . 45—Rain
investigation of
Federal Tax Service
Produces Sideline
WASHINGTON, Nov. 3-^—'The
widening investigation of the fed
eral tax gathering service has pro
duced, as a sideline, an acknow
ledgement by a high government
official that he and another officer
speculated on an oil lease.
Jess Larson, head of the General
Services Administration (GSA) said
I last night that he and Theron
! Caudle, Assistant U. S. Attorney
[ General in charge of income tax
fraud prosecutions, were associated
in the oil deal. Larson said both
he and Caudle lost a little money
on the deal.
Larson denied, however, that three
other men — one a gambler and
another with an arrest record in
Pitsburgh — were in on the venture.
The probe into the outside activ
ities of collectors of internal reve
nue spread to the Department of
Justice yesterday when Caudle was
called into a closed-door meeting
of the investigating House Ways
and Means subcommittee.
The Justice Department official
had disclosed that he made an ex
pense-paid trip to Italy last sum
mer to give legal aid to two Ameri
can wine merchants with financial
interests there.,
SUPERVISORY TRIP MADE 1
BY EDUCATION SPECIALIST
OF ALASKA NATIVE SERVICE
Mrs. Laura Jones, Alaska Native
I Service education specialist return
ed Thursday from a three weeks’
supervisory trip to schools operated
ty the service at Point Barrow,
Kotzebue and Nome.
Accompanying Mrs. Jones was
her five year old daughter Jean.
The full trip was made by com
mercial air travel. Mrs. Jones re
ports seeing thousands of caribou
migrating south through Anaktu
vuk Pass. The pass is within the
Arctic Circle and is approximately
ICO miles northwest of Wiseman.
Now Rale Decoy
Duck-Appeal
By 'Fishpower'
ROCK ISLAND, 111., Nov. 3—;A>)—
A decoy hitched to a live carp is
a new duck hunting wrinkle uncov
ered in this area.
Harold Knight, Rock Island
county conservation officer, said he
was informed of the new stunt by
a federal officer. The officer said
a duck hunter approached him in
the Illinois river uuck hunting re
gion and asked if the stunt is legal.
The officer said it is legal as far
as he knows.
Hunting from a pond, the in
genious hunter puts through the
carp’s gills a harness that is at
tached to the decoy. The carp is
small enough that it doesn't pull the
decoy under water.
CARD OF THANKS
I wish to express my heartfelt
thanks for the beautiful flowers
and the many kindnesses shown
me in the loss of a dear friend.
(Signed) SANTE DEGAN
— EMPIRE WANT ADS PAY —
20 YEARS AGO the empire j
...-- - - -
NOVEMBER 3, 1931
Miss Cheda Paul, high school student, was a patient in St. Ann's
Hospital for medical care.
Mrs. R. J. Sommers had gone south to visit with her brother-in-law
and sister, Mr. and Mrs. A. B. Phillips, at Foster, Wash. Mi. Sommers,
who was constructing the government school building at Hoonah, plan
ned to join her later.
With cargo filling the hold and covering the deck, the schooner
Sitka, Capt. William Doucett, arrived here from Seattle. The freight
consisted chiefly of groceries, vegetables and fruits. The vessel moored
at Juneau Cold Storage Company’s Wharf to discharge.
The Douglas Aerie 117 F. O. E. honored Past Worthy Presidents
at their meeting the previous night. Nine of the eleven honored were
present and included Sam Devon, Alex Kiloh, Robert Fraser, Charles
Sey, John Mills, William Ott, Thomas Cashen, Arne Shudshift and
Alex Gair.
Fish receipts this day consisted of 295 barrels of herring, brought
by the Wilson, Capt. Martin Holst. The catch was purchased by Juneau
Cold Storage Company and put into freezers to be held for halibut
bait.
A. F. Dishaw was a southbound passenger aboard the steamer
Princess Norah, which made an early morning stop here, enroute from
Skagway to Vancouver.
Weather: High, 45; low, 33; cloudy.
| Daily Lessons in English w. l. Gordon j
WORDS OFTEN MISUSED; Do not say, "Our plant is the largest
of any in the state.” Say, “Our plant is the largest in the state,” or,
"Our plant is larger than any other in the state.”
OFTEN MISPRONOUNCED: Tedious. Preferred pronunciation is
te-di-us, three syllables.
OFTEN MISSPELLED: Comprehension; SION. Contravention;
TION.
SYNOMYMS: Mediate, arbitrate, intercede, intercept, interpose,
interfere.
WORD STUDY: “Use a word three times and it is yours.” Let us
increase our vocabulary by mastering one word each day. Today's word:
RECIUROCAL (noun); that which makes a return for something done
or given. "Please accept this gift as a reciprocal.”
| MODERN ETIQUETTE ROBERTA LEE jj
Q. Is it proper for a man to smoke a pipe at a formal affair?
A. This is sometimes done, and while it seems strange to differ
entiate between the different forms of smoking, pipe-smoking at a
j formal affair is not considered good form.
Q. When a man and a woman are entering a public dining room,
and the headwaiter is standing in the center of the room, what should
they do?
A. Stand in the doorway until the headwaiter comes and escorts
you to a table.
Q. Is it proper at a college dance for a man to cut in on a girl to
whorp he has not been introduced?
A. At a fraternity dance, it is all right. But at a prom, it is not.
v—■»■>---'t
;| LOOK and LEARN A. C. GORDON I
l
1. Who in history was Prime Minister of England at the age of 24?
2. What is a man’s clavicle?
3. How many pawns are contained in a chess set?
4. To what instrument was lyric poetry originally intended to be
sung?
5. What is another term for "nacre”?
ANSWERS:
1. William Pitt (1759-1806).
2. His collarbone.
3. Sixteen.
4. The lyre.
5. Mother-of-pearl.
CHARLES BURDICK
LEAVES ON VACATION
Charles Burdick, assistant re
gional forester for the U.S. Forest
service here, expected to leave to
day on a two months vacation trip
in the States. He will join Mrs.
Burdick at Dillon, Mont., and they
will go to Arizona and the South
west.
rev. McCluggage to speak
AT IIAINES AND KLUKWAN
The Rev. R. E. McCluggage left
Friday for Haines where he will
preach Sunday morning and then
deliver a sermon at Klukwan Sun
day afternoon. Rev. McCluggage re
turns to Juneau on Monday.
Guest speaker at the Chapel-by
the-Lake for services tomorrow will
be the Rev. R .R. Armstrong.
ACROSS
X. Light touch
4. Religious
denomina
tion
8. Pain
12. H. B. Stowo
character
13. Ended a
session of
parliament
15. Mild
17. Was carried
18. Chinese
measure
19. Opposite of
aweather
20. Faithful
21. Favorite
22. Turf
23. Hard fat
24. Covering of
the neck
25. Type measure
26. Clothes:
Colloq.
27. Stitched
28. Expectations
30. Go suddenly
and swiftly:
colloq.
32. Orchestral
instument
33. More or less
35. Land fighting
force
36. Crystallized
rain
37. Low island:
variant
38. Strike gently
39. Fashion
40. Cronies
41. Pronoun
42. Restaurant
43. First appear
ance
44. Place In
another
order
47. Devoured
48. Small
whirlpool
49. Pack
elmIo
L E OPP
IF IEIglBlE
P|E|E|Q|E[ppiA|L|pjE P S
A R Ci5 uft T eMn l P
vieItBtIe Inis IeBtToIyI
Solution of Yesterday’* Puzzle
50. Gaelic sea god
DOWN
1. Depreciate
2. Abode of
King Arthur
3. Compressed
into large
bundles
4. Watch secretli
5. Son of Judah
6. Letter writer
7. Fish
8. Epoch
9. Symbol for
copper
10. Feminine name
11. Supervised a
publication
14. Poem
16. New England
state: abbr.
20. Pulls hard
21. Animals’ feet
23. Partially
burned
carbon
24. Measure
26. System of
weights
27. Kind of boat
28. Brilliant
display
29. Central Ameri
can tree
30. Cutting wit
31. Cased for
shipment
33. Greet
34. Bivalve
mollusk
36. Couches
37. Intrigue
39. Spoil
40. Hebrew letter
42. Shout
43. Condensed
atmospheric
moisture
45. Christian era:
abbr.
46. Proceed
MEMORIALS
MARBLE and GRANITE
Monuments and Markers
JUNEAU MARBLE WORKS
Phone 426—302 Franklin St.
© B.P.O.ELKS
Meeting Every Wednesday at 8
P.M. Visiting brothers welcome.
LeROY WEST, Exalted Ruler.
W. H. BIGGS, Secretary.
—
Moose Lodge No. 700
Regular Meetings Every Friday
Governor—
LOREN CARD
Secretary—
WALTER R. HERMANSEN
i mrmmmmm————————
Taku Post No. 5559
v. r. w.
Meeting every Thursday in
the Jeep Club at 8:00 p.m.
• •
• e
• EMPIRE WANT ADS PAY •
• •
• •
eeeeeeeeeee
STEVENS’
LADIES’—MISSES’
READY-TO-WEAR
Seward Street Near Third
The Charles W. Carter
Mortuary
Fourth and Franklin St*.
PHONE 136
Caslers Men's Wear
McGregor Sportswear
Stetson and Mallory Hat*
Arrow Shirts and Underwear
Allen Edmonds Shoe*
Skyway Luggage
BOTANY
"500"
CLOTHES
NUNN-BUSH SHOES
STETSON HATS
Quality Work Clothing
FRED HENNING
Complete Outfitter for Men
^ ’ ’ ’ JJ"" - - r r . . .
SHAFFER’S
SANITARY HEAT
FOR BETTER MEATS
13—PHONES—49
FTee Delivery
-
J. A. Durgin Company, Inc.
Accounting Auditing Tax Work
Room 3, Valentine Building
JUNEAU, ALASKA
P. O. Box 642 Telephone Bit
• EMPIRE WANT ADS PAY o
"The Rexall Store"
Your Reliable Pharmacists
BUTLER-MAURO
DRUG CO.
Alaska Music Supply
Arthur M. Uggen, Manager
Pianos—Musical Instruments
and Supplies
Phone 206 Second and Seward
Card Beverage Co.
Wholesale 805 10th St.
PHONE 216—DAY or NKJHT
for MIXERS or SODA POP
The Alaskan Hotel
Newly Renovated Rooms
at Reasonable Rates
PHONE SINGLE O
THOMAS HARDWARE
and FURNITURE CO.
PHONE 555
PAINTS -OILS
Builders’ and Shelf
HARDWARE
Remington Typewriters
| BOLD and SERVICED by
J. B. Bnrford Co.
“Our Doorstep Is Worn by
Satisfied Customers”
FORD AGENCY
(Authorized Dealers)
GREASES — GAS — OIL
Jnnean Motor Co.
Foot of Main Street
MAKE
JUNEAU DAIRIES
DELICIOUS ICE CREAM
a dally habit—ask for It by name
| Juneau Dairies, Inc.
HOME GROCERY
Phones 146 and 342
Home Liquor Store—TeL SM
American Meat — Phone M
To Banish “Blue Monday”
| To give you more freedom
from work — TRY
Alaska Laundry
H. S. GRAVES
The Clothing Man
LEVI’S OVERALLS
for Boys
BLACKWELL’S
CABINET SHOP
117 Main 6t Phone 772
High Quality Cabinet Wash
for Home, Office or Stars
J. R. CLARK
as a paid-up subscriber to THE DAILY ALASKA
EMPIRE is invited to be our guest THIS EVENING
Present this coupon to the box office of the
CAPITOL THEATBE
and receive TWO TICKETS to see:
"KAZAN"
Federal Tax—12c Paid by the Theatre
Phone 14-YELLOW CAB CO.-Phone 22
ana an insured cab WILL CALL FOR YOU and
RETURN YOU to your home with our compliments.
WATCH THIS SPACE—Your Name May Appear!
Oldest Bank in Alaska
1891—Over Half a Century of Banking—1951
The B. M. Behrends
Bank
Safety Deposit
Boxes for Rent
COMMERCIAL SAVINGS