CHAPTER VIII.
SAVINGS BANKS.
Direct saving--Uses of saved money--Beginnings of savings banks--Dr.
Duncan of Ruthwell--Establishment of savings banks--Classes of Depositors--Magic of drill--Military savings banks--Savings of soldiers--Soldiers abroad--Deposits in savings banks--Savings at Bilston--Savings of working men--Penny banks--Charles W.
Sikes--Mechanics' institute banks--The poor man's purse--Depositors in penny banks--They cultivate prudent habits--Influence of women--Early lessons in thrift--Belgian Schools--Facilities for saving--Extension of savings banks--Money order offices--Post office savings banks--Charles W.Sikes--Lessons of thrift--Mechanics' savings banks--Savings of artizans--Savings in Preston.

Pages 123--158.