In 1788, American pioneers to the Northwest Territory established Marietta, Ohio as the first permanent American settlement in the Northwest Territory. By 1813 the western frontier had reached the Mississippi River. St. Louis, Missouri was the largest town on the frontier, the gateway for travel westward, and a principal trading center for Mississippi River traffic and inland commerce. There was wide agreement on the need to settle the new territories quickly, but the debate polarized over the price the government should charge. The conservatives and Whigs, typified by president John Quincy Adams, wanted a moderated pace that charged the newcomers enough to pay the costs of the federal government. The Democrats, however, tolerated a wild scramble for land at very low prices. The final resolution came in the Homestead Law of 1862, with a moderated pace that gave settlers 160 acres free after they worked on it for five years.