That evening in San Francisco I hunted up Major Turner, whom I found boarding, in company with General E.A.Hitchcock, at a Mrs.Ross's, on Clay Street, near Powell.

I took quarters with them, and began to make my studies, with a view to a decision whether it was best to undertake this new and untried scheme of banking, or to return to New Orleans and hold on to what I then had, a good army commission.
At the time of my arrival, San Francisco was an the top wave of speculation and prosperity.

Major Turner had rented at six hundred dollars a month the office formerly used and then owned by Adams & Co., on the east side of Montgomery Street, between Sacramento and California Streets.

B.R.Nisbet was the active partner, and James Reilly the teller.

Already the bank of Lucas, Turner & Co.