largest and strongest banks in the valley, with deposits of over $313,000, loans of about $222,000, cash and exchange on hand of over $118,000, surplus and undivided profits of over $17,00 and total resources of over $380,000. The bank stands in an almost impregnable position to be of the greatest assistance to the community in the building up of its resources and in its ability to properly take care of all business instructed to its care. Hotels

The first hotel in Bayard of course was the old hotel brought over by Mr. Barrett from the old town site. The Grubber hotel and restaurant started about 19 years ago. The old Windsor hotel was built by Wm. Johnson. The Commercial hotel has been conducted by the Watkins family in addition to the fine fortyroom Bayard hotel built in 1916 and the Commercial. Bayard also has the Grand Cafe and hotel.

Churches

Bayard has an up-to-date group of churches representing several different denominations. The first church in this part of the North Platte Valley was started about 1890 with Rev. Dorman one of the first ministers. The congregations in recent years which have maintained churches in Bayard are the Methodist, Presbyterian, St. Margaret's Episcopal, the First Baptist, the Lutheran and Farmers Congregation. The United Presbyterian with Rev. Wagner as pastor came to Bayard about sixteen years ago. Its church building is now in use by Presbyterians.

Post Office

Otto Wisner had charge of the postofhce about 1891 and handled it until 1904, when Frances L. Wisner became postmistress and remained until she was succeeded about 1913 by George Fox who has since been postmaster. Old Settlers Gone