Wolf, the president of the Deuel County Bank, came to Chapped as a section boss in the late seventies, and Ed and his brother Frank, as told in an earlier part of this history, received their early educational instruction at the school of John O'Neil, in a box car which was used for the station at the railroad in Chappell. Later the Wolfs developed a ranch northwest of Chappell and so near as will ever be determined, Trapper's Rock, where one of the tragedies of long ago occurred, is situated on the Wrolf property. This incident is related in the first part of the blanket history of the Panhandle, in that division devoted to fur traders and trappers.

About 1888, H. L. Gould established the State Bank of Big Springs, which institution still exists, but is now known under the name of the Farmers State Bank. This new institution was chartered in 1906, and absorbed the State Bank. Andreas Kjeldgaard is president of the Farmers State Bank, at the present time, 1921, with Carl Kjeldgaard. cashier, and W. H. Klendt, assistant cashier. It has a capital of $20,000, and surplus of $3,000.

The American State Bank of Big Springs was organized in 1917, with $15,000 capital and $3800 surplus. It is officered by John Jensen, president; ( )tto F. Riss, vice-president; and Sylvia Jensen, cashier.

This closes the story of the banks of Deuel county. They have taken an important part in the history of the county, materially as-

HISTORY OF WESTERN NEBRASKA