Ability, enthusiasm, tact and determination are as nec-cessary in banking as in any other commercial situations. Many of the most successful bankers in the country commenced as messengers and passed from one office to another until they became presidents. It should be the constant endeavor of officers of a bank who hold superior positions to cultivate and develop the self-respect of their subordinates. Faithful service and manly character in a janitor are entitled to just as much honor and to as full recognition as that rendered by a cashier. The man makes the place, not the place the man.

It is the general opinion of bankers that the demand for the right sort of bank-clerk is much in excess of the supply. No young man, however, should think of entering upon banking as a profession, unless he has a real love for the business. •

The best position for a young man, and the one affording the largest opportunity for promotion will be that of general assistant. It is considered better to enter upon a clerkship in a small bank than in a very large one, for the reason that the steps in the ladder of success are fewer and closer.

The successful clerk must have a true appreciation of the value of time. Every minute should be strictly given to the work of the bank. In the matter of promptness the higher officers should set a good example for those in subordinate positions. There are exceptions, but as a rule promotions are not the result of chance. The man in any calling who has the ability and the desire to do greater things will sooner or later be called upon to do them.