Savings Banks. The origin of these admirable institutions has been attributed to the Rev. Joseph Smith, of Wendover, who, in the year 1799, circulated proposals, in conjunction with two of his parishioners, in which they offered to receive from any inhabitant of the parish, any sum from two pence upwards, every Sunday evening during the summer months; to keep an exact account of the money deposited; and to repay at Christmas to each individual the amount of his do-posit, with the addition of one-third to the sum. The next institution of this kind of which we have any account,was founded in 1804, at Tottenham, in Middlesex, by Mrs. Priscilla Wake field.