PREFACE.



  The following pages contain laws in effect at present
with relation to the organization of banks and trust
companies, and the business of such institutions, except
as noted below. The book is not intended as a digest.
Since this compilation was commenced the act permit-
ting all State banks to do a fiduciary business has
become effective. A resume of the laws applicable to
such business would embrace the subjects of "Husband
and Wife." "Descent and Distribution," "Heirs and
Devisees,"  Curators and Comm!ittees," "Personal Rep-
resentatives," "Settlements of Estates," "Administrators
and Executors," "Gtiardian and W-ard," ' AXVills," and
other kindred subjects; therefore it was considered
impracticable to include all these subjects in this vol-
time; impossible to do so without materially increasing
the size and price of the book.
  'ro those who use this book we make the suggestion
that in case of doubt as to the enforcement of rights,
or redress of wrongs, advice of counsel should be sought
and relied upon.
  It is hoped that this volume will meet with approval
of those engaged in the banking and trust business.