».,.• o v-V ^..s* mjM WITH THE COMPLIMENTS OF WILLIAM D. PAISLEY, REAL ESTATE AGENT, 48 BALTIMORE STREET CUMBERLAND, MD. j attention will be paid to the details of water supply and drainage. A prominent feature of this addition to Cum- berland will be a perfectly graded drive one hundred feet in width and several miles in length. This property is a beautiful plateau, commanding the finest views in this vicinity. It is destined to be the residence portion of Cumberland. The Walsh property is situated partly within and partly beyond the City's limits, and on the Chesapeake and Ohio Canal and the Baltimore and Ohio Railroad, and affords more eligible sites for manufactories than any other single tract of land in or near Cumberland. It slopes very gently towards the canal, and is practically level. Maps of these properties will be sent on application to intending investors. The values of real estate are low. There has been and will be no speculation. Cumberland will not "boom" in that way. Land can be bought at from $ ioo to $ iooo per acre according to location and condition, and these prices are but a slight advance over those at which property was held two and three years ago. The advance 11 price has been gradual and substantial, keeping pace with the expansion of the City. Persons contemplating buying lands here need have no fear of being made victims of the speculations which enhance property in boom' 1 towns, and leave them with a "corner lot'' when the fever has abated. QurseVpes. We conduct a legitimate real estate and loan business under a license from the State of Maryland. We buy, sell and exchange real property, manage estates, negotiate bans, colled rents and interest, pay taxes and attend to all necessary business for property owners. We give special attention to the care of acre property and its platting into town lots, and the purchase and handling of improved and unimproved city property. We shall be pleased to correspond with parties thinking of locating here, whether their business be wholesale, retail, or manufacturing, or they come as dwellers merely. For the latter we will rent or buy suitable dwellings. To the former we will furnish without charge any desired information in our power to give; will, if asked, state our candid opinion as to the chances of success in their especial business in this neighborhood ; aid them in securing a fitting site, and, if the business will give work to any large number of persons, will try to raise a bonus in land or money, or both, to assist them in establishing themselves. We also negotiate loans on first-class property, which we personally inspect and, if desired, have appraised. The borrower's standing also is given due consideration. The rate of interest depends on the amount of the loan and the situation of the property, running from \]/ 2 to 6 per cent. Titles are vouched for by a competent attorney, and the lender's lien is guaranteed to be the first. All improvements are kept insured for the benefit of the mortgagee as long as the loan stands. Interest, and principal when due, are paid in Eastern exchange, so that the lender is at no expense whatever. All papers con- nected with a loan are sent to the mortgagee as soon as the transaction is effected. We will be pleased to hear from you and will at any time furnish any information within our reach. If wished, we will give satisfactory reference. WILLIAM I). PAISLEY April, 1S91, CUMBERLAND MARYLAND ~3X. 1 891 | OFCOA^J , / 1 1 9 W ARTHUR SHRIVER * C < . PRINTERS, CUMBERLAND, MD. X ^ i Entered according to Act of Congress in the yeat 1S91, by William D. Paisley, in the office of the Librarian of Congress, at Washington. r?s The G«sf. Cumberland is the second city in size and importance in the State of Maryland, and is the county seat of Allegany County. It is situated in the western part of the State, at the confluence of the north branch of the Potomac River and Wills Creek. The bottom lands, on which the business quarter is built,' rise gently into magnificent hills, whose beautiful slopes are used for residences. The buildings generally are of a substantial, rather than I showy, character; though many of them, such as the City Hall, Court House, and Academy, are pleasing specimens of architectural beauty. The surrounding scenery is unsurpassed; and "The Narrows" — a dividing gorge in Wills Mountain — have a world-wide reputation tor unrivalled grandeur. The City of Cumberland is not a "boom-town." Its present position is due to its possession of varied and unlimited raw materials, and superior facilities for manu- facturing and transportation, and is the result of years of steady growth. Cumberland asks honest capital to intelligently investi- gate its claims alongside of the loud-mouthed boasting of the numerous "boom-towns." It is too certain of the result of such scrutiny to fear it in its most searching character. To those seeking pleasant homes and profitable invest- ments, Cumberland offers the advantages derived from an established and prosperous city, having permanent business and social interests coupled with rich territory and all that makes life worth the living. ^ealtfifulness. Cumberland Is remarkable for its salubrity. The City is free from marshy and flat surroundings, has pure air, good water and an equable climate. Observations through a period of nineteen years show a mean temperature in summer of 70 F. ; in winter, 30 F., and annually of 52 F. The average annual rainfall, determined by observations extending through the same length of years, is thirty-two inches. §ev\3erage and Pacing. The gently sloping ground on which the city is built renders the drainage question one of comparatively small importance. Sewerage is carried away partly by under- ground drains and partly by surface gutters. The paving of streets has been done with cobble stones, and recently, in the business section, with vitrified fire-brick. Some of the alleys and outlying streets are not paved, but are kept well covered with cinders. The sidewalks are usually, though with frequent exceptions, made of brick. By the first of July, 1 89 1, about five miles of electric street railway will be in operation, and afford an easy and pleasant means of reaching all the principal parts of the City. \\)ater and Cight. The City water supply is obtained from several springs situated in the bed of the Potomac River, which furnish an unfailing supply. This water is distributed throughout the City by the Holly system, under a mean pressure of eighty-five pounds to the s.juare inch. The fire pressure is one hundred and thirty pounds to the inch. Tills bountiful supply of water is necessary for large manufacturing industries and gives the City the benefit of very low charges for insurance. The City is lighted both by gas and electricity — Edison and arc. The prices charged for use of these methods of of light are moderate and the light afforded is clear and strong. Schools and Churches. The City is well supplied with schools and churches. Of the former there are seven public schools, with an attendance of 1500 pupils; six parochial schools, English and German, many private schools and Allegany County Academy, besides private instructors in music, painting and other special branches. There are eighteen churches, representing all the principal religious creeds — Baptist, Catholic, Episcopalian, Jewish, Lutheran, Methodist and Presbyterian. Some of these churches use the English language, others use the German. There is also a nourishing branch of the Young Men's Christian Association, fully provided with library, gym- nasium, reading rooms and other means of instruction and amusement. Population. The population of the City in 1S70 was 8,056cm 1880, 10,693; in 1890, 12,729. Since the taking of the last census, the number of inhabitants has largely increased, and conservative estimates place the present actual population at not less than 14.000. There is not a vacant dwelling in the City, and the builders aie kept busy trying to provide homes for the many who are daily coming in. The moving of the Baltimore and Ohio Railroad Shops to the City will bring it a permanent addition of 1,000 mechanics and other high-grade working men, and will cause an increase of from 4,000 to 5,0021 in the population. In 1892 there will be at least 18,000 people dwelling here, supposing no further improvement than the shops is made — a ridiculous supposition. These shops will he running in less than one year from now. lousiness. Every branch ot trade common to the Middle States is represented in Cumberland. The chief interests, however, are banking, merchandising, coal, lumber, glass, leather, iron and steel. The City is the source of supply for all the towns along the West Virginia Central and. Pittsburg, George's Creek and Cumberland, and Cumberland and Pennsylvania Railroads. These are principally large and thriving mining and lumber towns. It also supplies the neighbor- ing towns on the Baltimore and Ohio; Pennsylvania, and Pittsburg and Connellsville Railroads. To supply these towns there is a large number of wholesale houses dealing in various commodities — flouring mills, planing mills and so forth. The Merchants', Manufacturers 1 and Business Men's Association is an active and influential body, composed of the leading citizens of Cumberland. By its harmony and intelligence it is rapidly and permanently improving the commercial status of the City. The past year shows a splendid increase of business over the previous year. Every branch of trade has improved— some of them to so great an extent that the large influx of orders prevents their being filled with promptness. Especially is this true of the buiiding trade. Banking. The banking capital of the City is $300,000, which is comparatively limited, as the field can well pay a hand- some profit on more than treble the amount now employed. There are three National Hanks — First, Second and Third — each with a capital stock of $ 100,000. The following is a consolidated statement of all the banks of the City, from their reports made February 26th, 1891, to the Comptroller of the Currency: RESOURCES. Loans and discounts, $1,133,138 73 Overdrafts, secured and unsecured, . . . 5,125 15 U. S. Bonds to secure circulation, .... 75,000 00 Stocks, securities, investments, claims, etc., 373,439 50 Due from approved reserve agents, . . . 100,014 4-6 Due from other National Banks, .... 79,277 38 Due from State Banks and Bankers, . . 25,230 32 Banking house, furniture and fixtures, . . 87,366 21 U. S. Bonds to secure deposits, 50,000 00 U. S. Bonds on hand 1,600 00 Current expenses and taxes paid, .... 4,3 1 6 20 Premiums on U. S Bonds 26,062 81 Checks and other cash items, 19,167 05 Bills of other Banks, 4,659 00 Fractional paper currency, nickels and cents, 2,088 03 Specie, 126,833 60 Legal tender notes, . 69,322 00 Redemption Fund with U. S. Treasurer (5 per cent of circulation), 3,375 °° Total, £2,186,015 44 LIABILITIES. Capital Stock paid in, $ 300,000 00 Surplus Fund, 270,000 00 Undivided profits, 37,761 13 National Bank Notes outstanding, .... 67,500 00 Dividends unpaid, 694 80 Individual deposits subject to check, . . . 1,409,717 95 Demand certificates of deposit, 3,803 50 Certified checks, 220 00 U. S. Deposits, 55,ooo 00 Due to other National Banks, 22,098 02 Due to State Banks and Bankers, . . . . 19,22004 Total, $2,186,015 44 7V\,armfactures. At present Cumberland has over forty factories of various kinds in active operation. These include glass and steel works, flouring and planing mills, breweries and distilleries, carriage and cigar factories, furniture and cement works, tanneries, marble yards, a pulp and paper mill, and so on. These, however, are but the beginning of Cumberland's industrial importance. Several industries are now build- ing their plants, and the establishment of others is under consideration. Within two years the City's manufacturing business will be four times as great as it now is. The reasons for this are found in the first-class trans- portation facilities, the cheapness of living, the abundance and cheapness of raw material, and the unsurpassed quality and cheapness of fuel. Especially does Cumberland excel in both quality and low cost of coal. The world-renowned Big Vein George's Creek Cumberland coal fields are but a few miles distant, and their unrivalled product can be had for manufacturing purposes as low as $1.10 per gross ton, delivered in the City on the railroad cars. No other soft coal in the world is equal to this for steam making, smithing and all othe r industrial uses. Cheaper, perhaps, than the coal is the available water power of the Potomac River and Wills Creek. Thousands of horse-power can be easily and at small expense developed at many places within a short distance of the City. Added to cheap power are inexhaustible supplies of fire-clay, glass sand, limestone, iron ore and timber, all within the City, or at short distance from it. The manu- facturer needing large and cheap supplies of these materials will find in Cumberland more than any other place can offer — and all that he can wish. transportation. Cumberland is directly connected with all parts of the country by the Pennsylvania, Baltimore and Ohio and Pittsburg and Connellsville Railroads. The George's Creek and Cumberland and the Cumber- land and Pennsylvania — with its Eckhart Branch — form the arteries of the great Cumberland Coal Basin and have their termini in the City. The West Virginia Central and Pittsburg Railway starts from this City and traverses the inexhaustible iron ore, lumber and coal fields of the State of West Virginia. This company is contemplating the extension of its road to tidewater, and, it there is anything in signs, the proposed extension will soon be an accomplished fact. The Chesapeake and Ohio Canal — extending from Cumberland to Georgetown, D. C, and tapping the Western Maryland Railroad at Williamsport, Md. — will be in operation about the first of May next. All these afford transportation facdities for both height and passenger traffic such as very few other cities possess, and assure to the public prompt service and competitive freight rates — two things essential to the success of large business enterprises. Iron and §teel. The Crown and Cumberland Steel Company and the Gautier Steel Department of the Cambria Iron Company are established here. Rich iron ores in abundance are found within a ratlins of forty miles of the City, and he above its level — thus enabling them to be handled by gravity alone from the mine to the furnace, should such a method be deemed desirable. '1 hese ores are the red and brown hcematites, the clay iron-stone of the coal formation, and others less important though valuable. n' K c_ ft o' 3 p 2 - P g P 2 S 1/; Carbonate of Iron, Peroxide of Iron, Phosphate of Iron, Carbonate of Lime, 1 Carbonate of Magnesia, j Clay, Sand Dark Gray No. i 77.O Trace 1.2 1.6 17.6 2.6 100.0 37-o r > < § z O Z ■^ b b b vb « S ' b Is ? •< C/J b b 89.O None Trace 8.8 0.8 ^ 1 00.0 60.0 Red No. 4 86.O Trace Trace 1.0 3° 10. g > W IT. Brown No. 5 68.O Trace Trace 18.6 11. 9 1 00.0 47.6 100. 60.0 Cn ■n 3 3 °° ■ m 3 2 8 S b • z* c These ores, both in Allegany county and the surround- ing counties of West Virginia are shown by analysis to he fully equal to and, in some cases, even to surpass the iron ores of Great Britain. It is questionable if ores richer in metallic iron are found in any other district in the United States in such large quantities and so well situated with reference to economical handling and smelting. When it is remembered that these ores are accompanied by inexhaustible beds of coal, limestone and lire-clay, the statement of an eminent and accomplished writer is fully justified. Me says : " Recer.t developments have shown that the City of Cumberland occupies a position upon the great fossil or Clinton ore-belt, which is not only central, but really will give it the command of the iron trade in the future." This statement is strengthened by the fact that at a meeting of the business men of Pittsburg, an essay was read showing that it would save the iron trade of that city millions of dollars annually to build 250 miles of railroad to the iron ore beds which surround Cumberland within a radius of forty miles. The late John W. < Jarrett, president of the Baltimore and Ohio Railroad Company, said that Cumberland would be the "Pittsburg of Maryland," an assertion that, coming from such a competent judge, gives additional force to the conclusions of others. The cheapness with which iron is now produced must compel capital to avail itself of the many superior advantages which Cumberland possesses for meeting this condition of success 111 the iron business. There are at present two companies — the Cumberland and the Queen City— engaged in the manufacture of glass. A noted writer and competent judge has said : " Upon making a careful survey of the advantages of Cumberland it is an unavoidable conclusion that for the manufacture of glass there can be found no locality where are assembled together in greater abundance the varied materials, all adopted to such a purpose, than the City of Cumberland and its immediate vicinity. * " : ' r * In manufacturing glass the only material needed from abroad in any appreciable quantity would be soda ash and crucible stock." One of the pioneers in the glass trade of America has declared that, in his estimation '' Class could be made in Cumberland at a cheaper rate than elsewhere in the States." Medina sandstone is abundant — there are millions of tons of it — which can be had almost for the asking. An analysis of it by Professor C H. Chandler, of Columbia College, New York, showed 98.35 per cent, of silica and only 0.42 per cent of sesquioxide of iron. Professor Chandler wrote : " I am satisfied, therefore, that the sandstone is in every respect well fitted for the manu- facture of glass of the best quality." The unparalelled success of one of the two glass com- panies named, is more than enough proof to satisfy any one that this is the place for the location and remunerative operation of glass works. This company, organized in 1883, w ' tn a capital of $ 15,000 and having paid 190 per cent in dividends, all expenses and about doubling its capacity at a cost of $18,000, in January, 1S90, had 370,000 over and al ove all lial ilites. Its net earnings for 1889 were over $18,000. Cumber. The West Virginia Central and Pittsburg Railway penetrates the boundless forests of the State from which it takes its name, and brings to Cumberland millions of feet of building and cabinet woods. There are also many saw mills on the other railroads in the surrounding country, whose product is brought to the Cumberland market. There are in the city already many furniture and other factories using wood as their principal material. These include a large pulp and paper mill, in which wood is, by various processes, made into an excellent quality of paper. Building can be done more cheaply in Cumberland than in most other places, and factories using large qualities of lumber can save immense amounts of money annually by establishing themselves here. Wood -working machinery costs no more in Cumberland than in Baltimore, Phildelphia or New York, but in the latter cities lumber costs a great deal more and fuel three times as much as in the former. It will surely pay those contemplating the establishment of factories for the manufacture of articles from wood, to look into the unquestionable advantages which Cumberland affords for lessening the cost of production. 7Wiscellaneous. Besides those particularly mentioned, there are in Cumberland many important industries in successful operation and materials to warrant the establishment of very many more. Cumberland produces the finest shafting in the world, as is witnessed by the fact that orders for it come from all countries — even from far off lapan. Whiskies and beers of the finest grades are made in the City. Their quality is due to the excellence of the water used in their manufacture. Two tanneries turn into leather more than 60,000 hides annually. The famous Cumberland Cement is manufactured in the City, and is conceded to be the strongest natural cement in the world. The United States Government uses it in preference to all others. The City's flouring mills produce 150,000 barrels of flour annually, and find a wide market for their output — some of it going to Brazil. Besides these, there are soap factories, book binderies, blank book manufactories, cigar factories, a steam laundry, stone crushers, iron foundries, wholesale grocery and notion houses, railroad shops, machine shops and many others. Clay of excellent quality is plentiful and is utilized by several kilns to make bricks for building and paving. There are nine hotels with accommodations for about one thousand guests, not to mention numerous excellent boarding houses, both public and private. In spite of their number all these are taxed to their utmost to accommodate guests. There are two daily newspapers, having telegraphic press connections, and four weeklies. The Mount Savage and Ellerslie fire brick are known the world over as the best of their kind. They are manufactured about seven miles from Cumberland. Real £Jstate. The central section of Cumberland is quite compactly built up, and vacant lots are comparatively scarce. They become more plentiful, however, as the confines of the City are approached, and there are several tracts of land ranging in area from twenty-five to three hundred acres, that are about to be laid out for the accommodation of dwellings and industrial enterprises. The chief of these, probably, are the Johnson, Stewart and Walsh and the Walsh properties. The former of these will be sub-divided in the most approved manner. Street grades will be established on a uniform plan, and especial r*° o x ^. V °0 ^ v* i *? % LIBRARY OF CONGRESS 0014313914 1