The first frame house was put up by Dr. William S. Newlon in September 1865. The first frame store building was erected by Thomas J. Buntain, though the first store was opened in a log building in 1865 by Rexford & Elsbee. The postoffice was established in 1867 with Nelson Carr postmaster. At that time there were two provision stores, since Oswego was on the military road. M. George had opened a blacksmith shop and D.W. Clover a hotel, which was not only an inn for the public, but the county headquarters, a political rendezvous and a news center. This was the second hotel, the first having been built in 1866 by William A. Hogaboom. In 1868 Mr. Shanks operated the first pottery and made several kilns of stoneware; a cotton-gin was set up the same year. The first bank was opened in 1868 by W. M. Johnson, who was forced two years later to make an assignment of all that he had to satisfy his creditors. The second bank was started in July 1870, by B. F. Hibart and H. L. Taylor, which was a success. The State Bank of Oswego started business a few weeks later, but discontinued after a short time, as there was not business enough for two banks. In September 1870, a steam sawmill was erected by Macon, Krell & Cowell.