The former Savings Bank of South Australia was firstr epresented in Orroroo in 1881 with an agency operating from the Post Office, where it remained until 1912 before transferring to the National Bank.

The branch building and residence were built and opened on the 17th of February 1936. The buildings, costing £3700, were designed by H. M. Jackman of Adelaide, constructed by F. Fricker Ltd of Queenstown, and opened by the Chairman of the District Council, Mr L.G. Toop.

The bank traded as the BANK SA, although previous signage is evident with a faint outline of the following words at the cornice line: 'The Savings Bank of South Australia'.

Source: Department for Environment & Planning, District Council of Orroroo/Carrieton "HERITAGE OF THE UPPER NORTH" page 71.

This building, now a bar, was completed around 1932, on the site of small bakery. It features decorative brickwork and streaming with fluted columns at the entrance.

Source: "The Mildura Art Deco Walking Tour" by Mildura Rural City Council.

This building, located on the corners of Gawler Place and Chloride Street, was occupied by the Commonwealth Bank in 1953 and 1932, with the Government Savings Bank there in 1910. In the 1950s its clientele was considerably increased by the compulsory banking of part of the mine employees' lead bonus.

Source: The Richest Lode: Broken Hill 1883 - 1988 by R. J. Solomon.

Constructed between 1910 - 1920.

The former Savings Bank of South Australia was firstr epresented in Orroroo in 1881 with an agency operating from the Post Office, where it remained until 1912 before transferring to the National Bank.

The branch building and residence were built and opened on the 17th of February 1936. The buildings, costing £3700, were designed by H. M. Jackman of Adelaide, constructed by F. Fricker Ltd of Queenstown, and opened by the Chairman of the District Council, Mr L.G. Toop.

The bank traded as the BANK SA, although previous signage is evident with a faint outline of the following words at the cornice line: 'The Savings Bank of South Australia'.

Source: Department for Environment & Planning, District Council of Orroroo/Carrieton "HERITAGE OF THE UPPER NORTH" page 71.

Pareidolia is the imagined perception of a pattern or meaning where it does not actually exist, as in considering the moon has human features - Collins English Dictionary

The pareidolia that my eyes see in my key is the face of a banker. This banker, sporting a traditional eyeshade visor, will remind me that for the next 60 months, I owe him, and I owe him big.

In the old days, bankers, accountants, bookies, editors and bankers were stereotypically shown to wear eyeshade visors. They wore it to help protect their eyes from the harsh room lights above so that they could clearly see numbers and type the first time around.

The Commercial Banking Company (CBC) bank was designed and constructed circa 1906 to 1907 by Laurie and Heath for the Commercial Banking Company of Sydney Ltd.

In 1979 the Heritage Council received from Dubbo City Council a request for advice concerning the proposed demolition for redevelopment of the CBC Bank. Following an inspection by the Heritage Office and discussions with the owner an Interim Conservation Order was placed on the 25th of May 1979.

Following the placement of the Interim Conservation Order, the management of the CBC Bank, with advice from the Heritage Office, undertook to renovate, repair, and adapt the premises. The work carried out reinforced the buildings important civic contribution to Dubbo.

A Permanent Conservation Order was placed over the property on the 4th of September 1981. It was transferred to the State Heritage Register on the 2nd of April 1999.

Source: New South Wales Heritage Register.

Initially the State Bank operated from a private residence but, with the rapid growth of business it became necessary for the bank to build its own premises. The building was opened in 1929.

The branch operated until 1972, when there was a period of scaling down. The bank finally closed in the 1990s. In 1998 the Yacka History Group bought the building and set it up as an Archives and Community Centre.

Yacka, South Australia:

Yackamoorundie is the name also given to the small creek that starts near Caltowie in South Australia's mid north, winds its way southwest crossing the Heysen and Mawson Trails, before eventually emptying its contents into the Rocky River near Crystal Brook. Yackamoorundie is loosely translated in Ngadjuri language as the 'sister to the big river', a name which pays tribute to the River Broughton, a river which runs through the centre of town.

In fact it was the deceptively slow running River Broughton that was to cause much grief in the small town. The need for a bridge to ensure north-south access to the town has seen as many as five road and rail bridges built across the river, with many of the predecessors washed away through flash flooding. Today the road bridge forms part of Main North Road from Clare to Wilmington, while the 1927 rail bridge sitting alongside it is a memory from days when rail was popular throughout South Australia.

The rail line closed in 1989 and associated infrastructure was removed soon thereafter with the exception of the rail bridge and the old railway cutting. Next door are the silos and the weigh bridge, an item that is relatively new in that it took a bumper harvest in 1969 to create logjams at the old weigh bridge and a community action which finally resulted in something more modern being constructed.

This new weigh bridge came to be some 100 years after the town was first named, and 96 years after the Witcomb family constructed the town's first and only hotel, one that served the community and visitors until 1994. Soon after the Hotel, the Institute (1875), Tilbrook's Blacksmith Shop (1875), Samuel Pelton's Store (1878) and Sarah Witcomb's house (1880) followed and the proud life of the township of Yacka commenced.

The drought of 1914 brought an end to an era of farmland riches, but it was World War One that would ultimately cause more emotional damage to the town. In an effort to support the Australian war effort overseas, the young Yacka community sent 41 of their male community to the war, and were most distressed when only 28 of those returned. The 32% loss of life remains one of the highest contributions in an Australian township.

In keeping with the modestness of the town, which encouraged funds to be re-invested into farms, many buildings were built to size and to suit the structure of the community at the time. The Church of St James in Broughton Road and the Methodist Church were two such examples where grandeur was replaced by economics and priorities.

The latter part of the 20th Century saw economic rationalisation contribute a large part to the history of the town with not only the railways and hotel being closed, but also the school. It wasn't long thereafter that the GMH dealership would end its time in the town as well as Samuel Pelton's store. Klau's Butchers in the Main Street also closed, and the building is now occupied by the Yackamoorundie Craft Association and is open Fridays, Saturdays and Sundays.

In 1995 the township celebrated its 125th year, and it was appropriate that it be 'kept in the family'. Nan Witcomb, Adelaide writer and radio celebrity was invited along to the celebrations and to unveil a plaque outside of the Interstate Building. The Witcomb family had been a part of Yacka since its beginnings, and were also part of the community that lost a family member to the war effort.

Today the township of Yacka is a lot smaller with a population of around 90, the craft shop, the large picnic area within the Yackamoorundie Park and the small caravan and camping facility making it ideal for a pleasant break of journey. Further details on Yacka are available from the Yacka community website or their facebook page. Historic Walk brochures are available from the Craft Shop or any of the visitor information centres in the Southern Flinders Ranges.

Source: Yacka Historic Walk & Weekend Notes (www.weekendnotes.com/yacka-historic-walk/).

Now known as the Old Bank, this building sits on the site of Dubbo's first school in 1858 which was later demolished in 1875 by Jean Serisier. In 1876, construction began on the Bank of New South Wale's first branch in Dubbo. The bank moved to the corner of Macquarie and Church Streets in 1919. Later use of the building included the Dubbo Retired Servicemen's League (RSL) Club and the Macquarie County Council. It was then converted to a museum in 1967, before becoming a public bar.

Source: New South Wales Heritage Register.

The Peterborough Hotel:

The Peterborough Hotel was the first hotel built in the town. Originally the Petersburg Hotel, it was built as a single storey building in 1881 by Sara and Dunstan after Mr Jonathon Hoar was granted a license.

Reports of the time say opening night witnessed some fearful excesses on the part of the navvies who were building the new railway line. After the house was closed they broke into the bar. A melee ensued and knives were used. The police trooper was sent for from Yongala but before he arrived, the two worst offenders had been secured with ropes in the stables.

The second storey was added in 1891 at a cost of £1250 and included 20 rooms, a bathroom, a verandah, and wrought iron balustrade. Like many other buildings in the town, it was made of sandstone.

There are few country hotels in South Australia of its scale.

The ES&A Bank & Residence:

The English Scottish & Australian Chartered Bank was the first bank to establish a branch in the town.

The first manager of the bank was Mr Ernest Trimmer, who conducted business from a room in the Petersburg Hotel from the 7th of June 1881.This building was erected on this site in 1883 and was reconstructed in 1893 when it became known as the English Scottish & Australian Bank.

IN 1913 the building was partly demolished and new chambers were built. The total cost of the work was £2000 and included the building of a seven roomed residence at the rear.

In 1970, The ES&A merged with the ANZ bank to form the ANZ Banking Corp. The bank closed it doors in 1997 and is now a private residence.

Peterborough, South Australia:

Peterborough was part of the Eldoratrilla Run from 1851 until the Hundred of Yongala was broken up for selection in 1871. Farm land was taken up in 1875 by a group of German settlers; Peter Doecke (after whom the town was named), Johann Koch, and Herman Rohde.

In 1880, while the railway was under construction from Port Pirie, Koch surveyed his land into town allotments and named it Petersburgh. The coast railway arrived from Port Pirie through Jamestown in February 1881, and the inland line from Burra through Terowie connected with it in May 1881, so within months of its foundation Petersburg - as the Post Office and South Australian Railways insisted on spelling it - became a major railway junction.

The town rose to prominence very quickly, and has remained the major population centre in the eastern half of the region. From its early development, Petersburg became a classic railway town in layout - like Gladstone and Quorn - with its main street parallel to the railway, and its principal hotels, banks, and commercial buildings clustered opposite the railway station. Petersburg's growth was assisted by the extension of the railway to Broken Hill in 1887, and by the construction of the Transcontinental Railway to Perth and the

Ghan line to Alice Springs in the early twentieth century, making it a strategic hub of the national railway network.

Under Railways Commissioner William Webb, a large railway maintenance workshop was built at Petersburg, and a suburb of railway workers housing went up at the western end of town, using innovative cast concrete construction techniques developed by Adelaide builder Walter Torode.

In 1918 the Nomenclature Committee renamed the town Peterborough, oblivious to the irony that its German founder had originally given it an English name, and it had only been

made to look German by a bureaucratic mis-spelling. During the 1930s depression, a gold crushing battery was built at Peterborough to encourage local mining. The town has lost most of its railway function since the 1970s, but remains an important regional centre.

Source: District Council of Peterborough, Heritage Of the Upper North, Volume 6 - District Council of Peterborough, page 115.

The history of Terowie's most prominent bank is closely linked to that of the town. The building was built during Terowie's boom in the 1880s, with provision for further extensions. As with many developments in Terowie, this confidence was never realised. The extensions were never built and the incomplete fabric at the rear demonstrates this. During the town's prosperous years, the bank operated as a branch in its own right, and in the devastating Depression of the 1890s, the bank was closed down completely for over a year. The later development of the bank continued to mirror the economic development of the town. The confidently executed Victorian Tudor bank building is an uncommon architectural example in this area. It is also interesting that the designer did not employ classical style common to Victorian banking institutions. The interior contains well-preserved Victorian bank furnishings. The building provides a distinctive contribution to the Terowie Main Street, and is a significant and distinctive example of a bank building in a rural town.

Terowie:

The town of Terowie was established in the early 1870s as a service centre for northbound traffic. Terowie owes its birth to one man, John Aver Mitchell; and its subsequent growth and success to its position on a major South Australian transport route, and later, to its important position within the South Australian rail network. John Aver Mitchell (1833 - 1879) is widely acknowledged to be the founder of Terowie. He and his family arrived in South Australia in 1847, and settled in the Marrabel area. Mitchell turned his hand to many things and lived in many places, including Kapunda and Hallett, before establishing himself in the Terowie area.

In 1872, Mitchell selected Section 158 from the recently proclaimed Hundred of Terowie. This land had previously been part of McCulloch's Gottlieb's Well sheep run, the lease of which had been resumed by the Government and opened for credit selection. Mitchell planted wheat on his land, but soon turned to other ideas for a livelihood. The growing amount of northward traffic passing through his section required services, and he is believed to have established an underground store or possible sly-grog shop at the side of the track as early as 1872.

He soon built two substantial stone buildings close to one another, the Hotel which was licensed on the 7th of May 1874; and a chapel which probably served a variety of functions including as a general meeting place. The hotel and chapel are considered to be Terowie's earliest buildings, but it was not long before a smithy and store were also constructed near the hotel. To ensure the growth and success of his infant town, Mitchell donated land and money for a school and a Methodist Chapel, both of which were erected in 1877.

The fact that the young town of Terowie offered much needed services to the northward traffic, as well as to the growing number of local settlers, secured its future prosperity. By the end of the 1870s over 500 people had settled in the town. Subsequent fluctuations in population had two main causes: the times of depression which affected local production, state-wide production and hence local services; and the rise and fall of railway operations, which reached high points in the 1880s (with the Silverton/Broken Hill Traffic), the 1940s (Military manoeuvres) and the 1950s (Leigh Creek Coal). The 1970 bypassing of the Terowie break-of-gauge sounded the death knell for the town's prosperity.

This history, of massive boom and prosperity in the 1880s, but then a subsequent dip in popularity followed by later peaks of a similar height has, to a large extent, dictated the face of Terowie today. Almost all of the buildings in the core of the town were constructed before the turn of the century. Lack of a steadily rising population led to there being no necessity for new buildings to be built after the 1880s, as the old ones were built during a wave of optimism, and then rarely outgrown.

Therefore, within the core of the town, very few twentieth century buildings have been built, and few modern alterations and additions have been required. Terowie survives as a fascinating nineteenth century commercial and residential time capsule. However, it is also a living town, with a small number of interested residents trying to retain their unique heritage.

Source: South Australian Heritage Register & Department for Environment & Heritage, District Councils of Mount Remarkable, Orroroo/Carrieton & Peterborough, Regional Council of Goyder, Northern Areas Council, and Port Pirie Regional Council "HERITAGE OF THE UPPER NORTH - Volume 2 -

Regional Council of Goyder "

Now known as the Old Bank, this building sits on the site of Dubbo's first school in 1858 which was later demolished in 1875 by Jean Serisier. In 1876, construction began on the Bank of New South Wale's first branch in Dubbo. The bank moved to the corner of Macquarie and Church Streets in 1919. Later use of the building included the Dubbo Retired Servicemen's League (RSL) Club and the Macquarie County Council. It was then converted to a museum in 1967, before becoming a public bar.

Source: New South Wales Heritage Register.

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The Bank of New South Wales opened on the 26th of July 1910 and operated from leased premises until this building was completed on the 15th of September 1913. F. E. Ebbsworth was the first bank manager and remained so until 1921.

Isisford had its first bank hold up on the 23rd of June 1921; the robber made off carrying a bag of money, which turned out ot be pennies. The man was later arrested near the Barcoo River and sentenced to seven years hard labour.

On the 4th of July 1965 there was another attempt to rob the bank. This attempt was unsuccessful and the man was arrsted and later sentenced to two years hard labour.

Mr C Harper was the last manager when the bank closed as a branch and was converted to an agency on the 8th of March 1973.

Isisford, Queensland:

Isisford is a rural town and formerly a shire in Queensland's central west. Situated on the Barcoo River, the town is 100km south-west of Longreach and 1160km north-west of Brisbane. The shire, of which the town was the administrative centre, covered an area of 10501 sq km and was proclaimed on the 28th of December 1907, the result of a partitioning of the Barcoo Shire.

The Isisford area was explored by Thomas Mitchell in 1846 and the following year by Edmund Kennedy, both reporting favourably on the district's potential. In 1856 Augustus Gregory passed through the area in his search for the missing party of Ludwig Leichhardt. Finding the area in drought, Gregory left unimpressed, later stating as Surveyor-General that he could not recommend expenditure on the development of central western Queensland.

Undeterred by Gregory's pessimism, numerous pastoral aspirants took up holdings over the next decades, beginning with John Charles Ellis who in April 1866 established the Portland Downs run. C. Lumley Hill followed Ellis in January 1867, taking up 'Isis Downs', named after the upper reaches of the Thames River, England.

Continuing pastoral settlement encouraged hawkers into the district. The misfortune of two of these early traders led to the development of the Isisford township. Attempting to cross the Barcoo, brothers William and James Whitman broke an axle and decided to settle on the banks of the river. A village soon developed, the siblings themselves erecting a hotel, butcher's shop, store, and saddlery among others. Originally named 'Whittown' (or 'Wittown') by the Whitmans in self-testament to their founding enterprise, the name was changed to 'Isisford' in 1878 when a town was surveyed, based on the presence of a river ford and the settlement's proximity to Isis Downs station, 20km east of the town.

Postal services began in 1876, and a telegraph station opened in 1881. A provisional school was also established that year, with a permanent facility erected in 1883. In 1885 a timber courthouse was erected, which also served as the venue for all church services until Church of England and Catholic churches were built in 1905 and 1907 respectively (both of which were replaced in the prosperous mid-1950s).

Banking services also began around this time, the Queensland National Bank opening a branch in 1883, which operated somewhat fitfully over the next several decades, closing and reopening as national and local financial fortunes fluctuated. Greater reliability in banking was provided for in 1910, when the Bank of New South Wales opened a permanent branch.

The 1904 Post Office Directory records that Isisford boasted numerous services and amenities, including a baker, blacksmith, cordial maker, Oddfellows Lodge, two billiard saloons, and four hotels - the Isisford, Club, Belvoir, and Westward Ho - each of which did considerable seasonable trade servicing shearers from the outlying properties 'on the spree'. A small Chinese community - migrants from the northern goldfields - also found a home in Isisford during the late 1800s. Largely market gardeners, the last of the Chinese had reportedly departed by the early 1920s. In addition to Isis Downs, other large pastoral properties in the shire included Emmet Downs, Welford Downs, Mount Marlow, and Highlands.

Never directly connected to the western rail network, Isisford instead relied upon road connections to regional railheads. By 1914 the line from Blackall had reached Emmett, halving the road distance between the town and the railway, and in 1917 the line reached its terminus in Yaraka.

Town water was initially obtained from rain catchment and by hauling supplies from the Barcoo and local waterholes. A sub-artesian bore was sunk in 1925, although this was a non-potable supply. Greater security was achieved in 1934, when a weir was constructed across the Barcoo, and consolidated in 1960 with the construction of a pipeline from Oma Waterhole.

Primarily dependent on the wool industry, Isisford was hard hit by drought in 1965 and the bust in the wool price in 1970. After peaking in 1961 (270 people roundabout), the town's population rapidly declined, with an attendant downturn in services. The butcher's shop and convent school (opened in 1950) had closed, and the hospital converted to an outpatient's clinic. In 1973, the Bank of New South Wales branch was downgraded to agency status, before withdrawing from the town altogether. By 1981 the shire's population had nearly halved.

Both town and the district continue to rely on the wool industry, with some dependency on regional tourism. The Isisford primary school remains in operation, as does the health clinic operating out of the old hospital facilities. Isisford is further serviced by a store, fuel depot, and police station, and has a town hall, swimming pool, tennis, cricket and golf facilities, and a racecourse.

Two of the four hotels in existence in 1904 remain in operation - the Westward Ho (renamed the Golden West), and the Club (now Clancy's Overflow). Isisford holds a race meeting, gymkhana, and wool show annually, and the Isisford Fishing Competition, in which anglers compete for local 'yellowbelly' on the Oma Waterhole. The Isis Downs shearing shed (1914) and power house are monumentally large pastoral buildings, constructed by wealthy Victorian business interests, including Sir Rupert Clarke. A working building, the woolshed has hosted outback orchestral concerts. The complex is listed on the Queensland Heritage Register.

The other main settlements in the shire are Emmett and Yaraka on the former railway line (1917 - 2005), south-east of the town of Isisford. In 2008, after strong protests from Isisford residents, the shire was amalgamated with Ilfracombe and Longreach shires to form Longreach Regional Council.

Source: Isisford Shire Council (amalgamated 2008; now Longreach Region Council) & Queensland Places (queenslandplaces.com.au/isisford-and-isisford-shire).

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The Dubbo Liberal newspaper dated 8 January, 1898 carried the following information -

“The Commercial Banking Company of Sydney has opened a branch at Narromine for the transaction of its usual business. Mr. Dunn, formerly of the Dubbo Branch, has been appointed Manager.

Narromine has been growing for some time past, and it is surprising a bank was not established there long ago.”

That same newspaper carried an ad which stated -

The Commercial Banking Company of Sydney Ltd.,

Capital £1,000,000, Reserve Fund £1,010,000.

A Branch of this bank has been opened at Narromine

for the transaction of business.

M. Dunn, Manager. 3 January, 1898

Melanby Dunn wrote in 1936 -

“Narromine was the first branch opened since the financial crisis of 1893, when our Bank was temporarily closed from 15 May till 19 June of that year. So I was the first young man out of the barrier after that sad period of Australian finance, so far as the CBC was concerned.

The bank premises was a single room of what had been a small shop in Dandaloo Street. The balance of the building being occupied by Mrs. Dundas and family. She was a policeman’s widow - terrible conditions. The room was rented from Mr. William O’Neill for 10/- per week for 12 months with an option of renewal for a further 12 months.”

The work was hard and heavy. After about 6 months I asked for an assistant which Head office declined.

“The attainments of your branch do not warrant it,” wrote Mr. Michael Stirling Grant, then secretary at Head Office. “I was a fool to submit to the conditions, but I was young, ambitious and poor, and had to ‘fight.” Many decent youngsters later came to me there as assistants, and to all of them I owe some little debt for hard work and enthusiasm.

“Well, the bank’s wisdom in getting in first, into Narromine, has never been questioned. I built up a big business, partly owing to assistance from Mr. Holmes at Dubbo, but mainly because of the loyalty of the Narromine folk to their own ‘village’ or ‘town,’ as it later became, and my own very strenuous exertions. From 1893 till 1903 I went without what is now called a holiday. I was just contemplating a holiday before I left Dubbo in 1898 and put it off till 1903. The 1902 drought having intervened, when a great loss of money advanced seemed likely. There was, however, a great recovery in values and no money was lost. But in 1903 before the drought broke in April that year, I felt I must have a change so went to Tasmania with Royes Dunn, of “Tulwah Dowra.” Then on my return the drought broke. If that drought had not broken I think I would have. I have foolishly through life worried too much, very often about the affairs of others, and as my wife says - “It is always the Bank,” but the bank was my livelihood and my pride.

In 1910 I was ordered to proceed to Atherton, North Queensalnd, to open a branch there.”

Mr. Dunn’s memoirs were sent to us by his daughter, Lesley Roulston of Brisbane, in 1985. Mellanby Dunn married in October, 1912 , and died in Forbes in 1939. Unfortunately he never got around to finishing his life story.

If, as Mr. Dunn says, his first premises were with Mrs. Dundas, then her shop/dwelling in 1898/99 was in Dandaloo Street, Section 16, Lot 1, Subdivision 4, which is the present site of the M. & M. gift store on the eastern side of Dandaloo Street, beside the laneway.

Although the Municipal ratebook for 1898/1899 records the bank premises for the first time, and it has the bank on same site, or close by to where it is today. Dandaloo Street West, as it was called then, was not subdivided into Section and Lot numbers in these early years.

On 11 January, 1898 Head Office wrote to Mr. Dunn advising him -

“You may as desired rent another room of the cottage for a bedroom at a cost of 3/- per week making in all 13/- per week for rent of premises.”

On 12 February, 1898 Head Office again wrote to Mr. Dunn advising him -

“The Board has increased your salary from £180 to £200 per annum, and have granted you a special Manager’s allowance of £25 per annum.”

On 17 June, 1898 Head office again wrote to Mr. Dunn stating -

“Re Premises: Referring to your letter of the 14th instant, as the site of your present premises is suitable, it might be well for you to endeavour to obtain from Mr. O’Neill proposals to lease to the Bank the whole of the building, he to render it suitable for our business, and get him to quote rent, and term of lease.”

On 20 June, 1898 William O’Neill wrote to Head Office and “enclosed a rough tracing and specifications of premises which should it be suitable, I can complete by January next. The building will be in every way equal to workmanship put in my own private residence.”

Is William O’Neill talking about his home which was on the present site of the United Services Club, or was the home he built on the corner of Nymagee & Dandaloo Streets south (present Post Office) built earlier than the Municipal Ratebooks record.

The rough specification says -

“Inside walls 12 ft high, outside walls 15 ft high, double roof, valley in centre, walls if required filled with sawdust keeps building cool in summer and warm in winter, in case of fire prevents flame rushing up between weather boards and lining building to be all wood except chimneys which are brick. C stands for chimney, w for windows, d for doors. Finished in first class style, lease 10 years, rental 27/6 per week, right of renewal at an agreed rental expiration of lease.

Can complete work by January, 1899. Will provide suitable premises for the bank business during erection next door. Bank to erect their own fittings.”

(See rough plan attached).

O’Neill’s home, still in Nymagee Street, formerly on Post Office corner, had sawdust between the walls. But he may have been referring to his home which was on the present United Services Club.

The most amazing item in O’Neill rough sketch, and in another letter he wrote to the bank on 7 June, 1899, was his naming of Albany Street (not Nymagee Street as is now the case.)

On 8th June, 1899 the Bank wrote to Dunn and asked -

“When is Nymagee(?) Street to be continued westerly from Dandaloo Street, and who owns the corner immediately opposite the premises you occupy and next Kierath’s allotment in Dandaloo Street?

I take it the bank is referring to the Post Office corner, so had there been a house on the lot surely they would have mentioned it.

On 7th June, 1899 the following was written in a letter to CBC Head Office -

“Our present premises (wooden) narrowly escaped the conflagration in February last, although it occurred on the opposite side of the street. (Note - The Arcade fire).

I have it on good authority that the burglars who blew open a safe at Barlow & Co. (general storekeepers) came here for the purpose of operating on ours.....and while our premises remain as at present, the public cannot help feeling somewhat distrustful as to our defensive arrangements.

The Police force stationed in the town was eventually increased from one man to three.”

On 24 July, 1898 Head Office wrote -

“..the plans of the proposed building of which we approve except that we think the bedrooms are too small for your climate and should have 2 ft more thrown into them either one way or the other. We presume the walls are protected by verandahs tho the sketch does not show this.

As to the strong room door and counter which you say it is arranged we should provide we do not seem to have sanctioned this and as the former is an expensive item and a fixture we desire your explantion as to such an arrangement. We favor a cedar top and facing for the counter, but this may be erected as a movable fitting not a fixture, or provision made in the lease for its removal.”

In a later letter it seems the bank approved of the additions but stated the the whole of the counter need not be cedar only the top, the body and facing might be made of pine with some cedar mouldings.

In August the local manager for allowed £2 for removal of safe, books etc. to temporary premises while the new ones were being built.

On the 2nd January, 1900 the business transferred into a new wooden building with iron roof, containing seven rooms and a brick strongroom. These premises situated on the corner of Dandaloo and Nymagee Streets were specially erected for the bank by Mr. William O’Neill. Rental was £78 per annum. and the lease was for 5 years with an option of a further 5 years. The strongroom door was provided by the Bank.

On 9 January, 1900 a Head Office letter indicated the Manager and another officer were living in the premises. Mr. Dunn was a single man.

In September, 1900 Mr. Dunn was not given permission to connect the phone to the bank. Head office told him there were bigger branches than Narromine who did not have the phone connected.

In the same year the Bank was given permission and 5/- to alter all bank stamps from “Narramine” to “Narromine.”

In 1903 Mr. Allman was working at the bank with Mr. Dunn, and he was given permission by head office for two days leave to play cricket against the South Australian cricketers at Bathurst.

Other junior staff in the first years of the bank included Mr. Galloway (1903), relieving officer, H.B. Casey (1903, moved to Trangie 1904), Harry Stokes (1904), Kenneth Lindsay Scott (from Bathurst 1905, Stokes went to Trangie).

In November, 1905 Mr. Allman is to be married and will take over the premises occupied by Mr. Dunn, and will receive the relative allowance attached to the branch.

Mr. Douglas Vine Smith (1908), F.R.V. Fitzhardinge replaced Mr. D.V. Smith in 1909. In 1910 Mr. Lane was relieving the manager.

In April, 1910 permission was given for the landlord to add a kitchen 11 ft x 14 ft, a pantry, servant’s room 10 ft x 10 ft, and laundry 10 ft x 4 ft, with copper set in, floor the verandahs mentioned, and paint and renovate the premises in the manner suggested. For these additions the bank agreed to pay an additional rental of £20 p.a.

In November, 1910 William O’Neill sent a lease to the Head Office for 5 years from n November, 1910 at £105 p.a. with option of renewal for further term of 5 years.

Mr. Mellanby Dunn left Narromine in 1910, he had been involved in many organisations in Narromine from his time of arrival in 1898, and had been a keen cricketer.

Prior to 1912 when Narromine’s gold scales were forwarded to Cobar Branch, the Bank was a main centre for handling gold from the Tomingley mines.

On 30 August, 1913 the Bank purchased the premises from Mr. O’Neill for £1,200.

In 1915 the wooden building was demolished and a two storied brick building containing banking chambers and residence was erected at a cost of £4,607. The strongroom door from the old building was used for the new strongroom. Mr. R. Hughes of Petersham was the contractor for the new building. These premises were occupied on 18 March, 1916.

Managers to date of merger with the National bank of Australasia Limited were -

1898M. Dunn1956K.J. Mclean

1910 A.B. Cadell1959D.R. Anscombe

1924D.F. Louche1963R.J. Gibson

1935T.R. Farmer1966J.A. Williamson

1937C.H. Headley1970L.P. Burns

1939E.E. Peterswald1976G.D. Lawer

1946T.A.Baker1979G.J. Roberts

1953T.H. Honeyman1982Keith Scott

The bank premises are now privately owned and rented by the National Bank of Australasia Ltd.

Source: New South Wales Heritage Register.

JW House was established in 1888 as the Bank of New South Wales with John Walker (Jack) Sillar (1861 - 1919) as the bank's appointed manager.

John Walker (Jack) Sillar:

Profound indeed will be the feeling of sorrow which will be felt throughout the town and district at the announcement of the death of John Walker Sillar, manager of the Bank of Australasia, Dubbo branch. The sad event occurred early this (Friday) morning at his residence at the bank premises in Macquarie-street, the whole of the members of his family, with the exception of Lieut. Jack Sillar, being present at the bedside. Dr. Burkitt, his medical attendant all through his illness, was also present. Mr. Sillar had been ill for some ten days, and his condition varied so often from one extreme to the other that his death was not unexpected. His end was calm and reposeful.

The late Mr. Sillar was one of Dubbo's finest citizens in every sense of the word. As a townsman he has been associated with the religious, civic, educational, commercial, and sporting life of the town during the last 30 years. He arrived here in 1888, and opened the first branch of the Bank of Australasia on the site now occupied by Mr. W. Gordon's pastrycook shop, Macquarie-street. Prior to his arrival here he was in the service of the same bank at Grenfell for a period of 3½ years, and he also occupied the office of Treasurer to the local hospital. On leaving for Dubbo in 1888 he was accorded a most enthusiastic and complimentary send-off ball, and was presented with a massive gold ring, set with one large diamond. The local papers farewelled him as a good and useful townsman, a thorough, straight going business man, and one who had identified himself with almost every public movement. The Grenfell "Vedette," writing of Mr. Sillar as treasurer of the local hospital, said: "He displayed uncommon zeal, which is proved from the fact of there being a credit balance to the new hospital fund of £556 19s 1d (not reckoning the subsidy), a large proportion of which was raised by his energetic influence. . . "To mention all that he has done for Grenfell would be impossible."

On his arrival in Dubbo he plunged into hospital and educational work with a zeal born of love of both. For nearly 30 years of the 31 years he has been a resident of Dubbo he has been connected with the Dubbo Hospital Committee in various capacities, including the hon. treasurership of the Goode Estate, which work he took up in 1909. So worthily and honorably did Mr. Sillar acquit himself in the administration of this great pillar and support of the Hospital exchequer that the Government Auditor specially mentioned Mr. Sillar's "able and efficient management." This heavy and responsible task was undertaken by Mr. Sillar without fee or reward. He was mainly instrumental in building up this source of revenue, which has handed to the Hospital treasury a sum of about £2500. He filled the office of Vice-president of the Hospital for many years.

In educational matters he was a sturdy supporter of the presented State education system. He was President of the Parents and Citizens' Association since its inception, and until a few weeks ago never missed a meeting of that body. He worked hard for the establishment of the Dubbo High School, and deserves a large measure of credit for the success of the movement. His efforts in connection with education extended to the encouragement of a love of literature and art, and he supported the acquirement on loan from the Sydney National Art Gallery of certain pictures now hanging in the High School Assembly Hall.

His love of literature was exemplified by the great interest he look in the Dubbo Mechanics' Institute, of which he was a committeeman for about 30 years, a vice-president, for a long period, and President since the death of the late George Henry Taylor.

He was equally active in religious work, and was a tower of strength to St. Andrew's Presbyterian Church, in which he held several offices.

He was the honorary Chief of the Dubbo District Caledonian Society, regular in his attendance at its meetings, and no face at the festive board on 'Burns' Night beamed with more fraternal love and good cheer than that of Chief Sillar. He was a loyal Scot, to the central core and fibre of his very soul.

The late Mr. Sillar took a great interest in Masonry, and was an honored and respected member of the local Ma- sonic Lodge. Upon arrival in Dubbo from Grenfell he threw in his lot with the local Masonic Lodge, and for about 20 years held the honorable position of treasurer to the lodge. This position he occupied until the time of his death. He was also Grand Superintendent of the Royal Arch Chapter Scottish Constitution.

He enjoyed sport, and was a playing member of the Dubbo Bowling Club, and a past president and committee-man for many years. He was also a most ardent supporter of the old Dubbo Cricket Club in the days when that Sport flourished in the district.

In all matters affecting the social life of the community he was ever ready to take his part, and more than his part. For the whole period of the recent war he rarely had a night to himself, his time was so fully occupied with various patriotic and kindred ef- forts. He was a good supporter of the local Red Cross and War Chest. In every position in which he was elected his claims were incontestable, and men gave way readily to his claims, because of his sterling honesty, and fair-mindedness.

He took little interest in politics, caring nothing about the struggles of rival political parties. He was first, last and all the time a commercial man, keenly interested in the development of the resources of the district and the State. But he even forgot business when the war broke out, and gladly gave three of his sons to the cause of the Empire and the Allies. His sons, Dr. Roy Allen Sillar, M.B., and Master of Surgery, Lieutenant John Sillar and Sergeant-Major Ralph Sillar enlisted. Dr. Sillar died in Britain whilst serving with the A.I.F., Ralph returned only a few days ago, barely in time to receive his father's last blessing, and Jack is still abroad.

The late Mr. Sillar was married at Grenfell in August, 1892, to Miss Isabel Allen, daughter of Mr. Allen, of Lake Cowal.

The late Mr. Sillar was a model family man, devoted to his wife and family, and personally was one of the kindliest of men. He did not live to realise a cherished wish of which he frequently talked to his friends, namely that he might live to retire from the bank, full of years and honors and spend his declining days surrounded by the family to whom he was devoted. He loved the Dubbo district and it was here he would have spent that leisure to which he looked forward so wistfully, and which was nearly ripe for fulfilment. He died in harness, one of the busiest workers the town of Dubbo ever entertained within its bounds. And this ever soul who knew his familiar figure confessed. They knew him "First in the blade, then the ear, after that the full corn in the ear" (Mark iv. 28). Mr. Sillar's death closes a splendid chapter in the development of Dubbo's history. In his death there disappears another of that rapidly thinning band of commercial, industrial, agricultural and pastoral pioneers, who helped to make Dubbo the town it is today. They were fine men without exception, and not least amongst them was John Walker Sillar—a kindly, honest man who never harmed a soul, and who was universally respected by men and women of all classes and every creed. Vale.

The late Mr. Sillar leaves a widow, four sons and two daughters to mourn his loss. The sons are Sergeant-Major Ralph Sillar (just returned from the front), Lieutenant Jack Sillar (on active service in England) and Keith and Donald, at home. The girls are Isa and Jean. Dr. Roy Sillar, a son of deceased, who enlisted some time ago was accidently killed recently in England as the result of a riding accident. These have the sympathy and condolence of the residents of the town and district.

The funeral will take place to-morrow (Saturday), the funeral cortege leaving deceased late residence at 2.30 p.m. for deceased's late residence at 2.30 p.m. for the Presbyterian portion of the local cemetery.

Life Summary:

Birth: 1861, Newcastle, New South Wales, Australia

Death: 23 May 1919 (aged 58), Dubbo, New South Wales, Australia

Cause of Death: heart disease.

Cultural Heritage: Scottish.

Religious Influence: Presbyterian.

Education: Dubbo High School (New South Wales).

Occupation or Descriptor: Banker.

Key Organisations: Dubbo Hospital (New South Wales) & Dubbo Mechanics' Institute (New South Wales).

Workplaces: Bank of Australasia.

Source: Linkedin (JW House Dubbo) & Obituaries Australia.

Austin Rover Carloan

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Personal finance on a laptop.

As a reminder, keep in mind that this picture is available only for non-commercial use and that visible attribution is required. If you'd like to use this photo outside these terms, please contact me ahead of time to arrange for a paid license.

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, Renmark dates from 1888 when the Chaffey brothers got their irrigation settlement under way. Renmark is the oldest of the SA Riverland towns. But before the town was established Renmark was good pastoral country. The first leases were taken out in 1851 and the two local stations were Chowilla and Bookmark. Part of the Renmark area was also leased by John Chambers of Cobdogla Station. He took over both Bookmark and Chowilla runs in 1867, selling the leases on to Richard Holland, of Holland House at Turretfield near Gawler in 1870. Holland later transferred the leases to his step sons, William and Robert Robertson. Bookmark was later changed to Calperum run in 1897. It was Bookmark /Calperum that was resumed by the government for the Chaffey irrigation area at Renmark. Chowilla station still operates.

Despite the early hiccups with the Chaffey scheme, as it collapsed, the Renmark Irrigation Trust came into operation in 1892 and still operates today. It inherited miles of open drainage and irrigation channels from the Chaffey scheme, although most irrigation water is piped underground to avoid evaporation these days. Although the Chaffeys were first signed up to start the Mildura scheme, it was the Renmark scheme that was the first irrigation area of Australia. It beat Mildura by three months! Although the plan was to develop 50,000 acres of irrigated land, there were just 3,000 acres being cultivated when the Chaffey scheme collapsed. But as noted above, the Irrigation Trust took up where the Chaffeys left off and continued to expand the irrigation area. By 1914 over 5,000 acres were being irrigated. These days over 17,000 acres are being irrigated in the Renmark area for grapes, citrus, apricots, peaches and other stone fruits. The Riverland is the second biggest irrigation area for fruit and grapes in Australia after the Goulbourn Valley (Shepparton area) of Victoria. The Riverland in total, not just the Renmark irrigation area, produces over $500 million worth of agricultural produce annually and around 50% of SA’s grape harvest. Over 80,000 acres or about 32,000 hectares is irrigated in the SA Riverland.

Irrigation House 1888 Renmark.The Art Deco Soldiers Memorial Hall Renmark.

The township of Renmark was proclaimed in 1904, becoming a municipality in 1935. Whilst other towns in SA contracted during the Great Depression Renmark still slowly expanded and it has some fine Art Deco buildings from these times to reflect this expansion. The town probably got its name from a local shipbuilder in the pre-irrigation days called William Renny. The area was known as Rennies and then expanded to Renmark? The earliest buildings in town date from around 1888 when it started- the school opened in that year and the Irrigation Trust building dates from 1888 when it was the Chaffey Office.

The other building from the early period is the Renmark Hotel. It started as a temperance hotel (what an oxymoron) and was taken over as a Community Hotel in 1897. It was the first licensed community hotel in the British Empire! The building you see today, with its fine Art Deco embellishments dates from 1937 when the third storey was added and the façade changed. Before more recent alterations the Renmark Hotel had the longest bar in Australia; and the amazing mechanized punka wallahs (based on the hand operated Indian punka wallahs) that tried to cool bar patrons during the hot summer months. What a pity they were removed as they were a unique historical feature of this building. The building of the hotel was financed by the second wife of James Trussell. He came out as the 10 year old cabin boy to Colonel William Light on the Rapid. After Light died he was employed by John Chambers of Cobdogla Station. Trussell was the manger of that property by 1850 as a 24 year old. He managed Cobdogla for 45 years and was a close friend of John McDouall Stuart, the great explorer.

Renmark was especially affected by the 1956 Murray flood. Low-lying areas flood early. Then the Sturt Highway to Paringa was closed. Large areas were sand bagged but the river levels kept rising. About two thirds of the town’s population was evacuated from the town. The river eventually rose over 10 metres flooding the main street, the high school, the hospital- which had to be evacuated, and shops. The flood lasted for seven months. But throughout they managed to keep the road out to Berri safe with sandbags and levees. There was also flooding at Angoves Winery.

Mr Angove began wine production in Renmark in 1911. He pioneered distilling fortified wine in the town to use up the local crop of raisins. The Angoves had started their Tea Tree Gully winery in 1884 so wine making was not new to them. Angoves still remains a family company. They were best known for St Agnes brandy in the early days. More recently Tom Angove developed the plastic bladder wine cask which transformed wine sales in Australia and around the world in 1965. Renmano is the other big wine company in Renmark

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Here are my new cars and trucks group taken from auto shows:

NEW CAR GROUP www.flickr.com/photos/jezevec/albums/72157692830961011

TAIPEI INTERNATIONAL AUTO SHOW 2020 www.flickr.com/photos/jezevec/albums/72157712430283538

TAIPEI INTERNATIONAL AUTO SHOW 2019 www.flickr.com/photos/jezevec/albums/72157702218078872

INDY AUTO SHOW 2018 www.flickr.com/photos/jezevec/albums/72157668026886039

INDY AUTO SHOW 2017 www.flickr.com/photos/jezevec/albums/72157677303280270

INDY AUTO SHOW 2016 www.flickr.com/photos/jezevec/albums/72157660758053244

INDY AUTO SHOW 2015 www.flickr.com/photos/jezevec/albums/72157650071617125

INDY AUTO SHOW 2014 www.flickr.com/photos/jezevec/albums/72157639125626416

INDY AUTO SHOW 2013 www.flickr.com/photos/jezevec/albums/72157632370347699

INDY AUTO SHOW 2012 www.flickr.com/photos/jezevec/albums/72157628649320349

INDY AUTO SHOW 2011 www.flickr.com/photos/jezevec/albums/72157625695949108

INDY AUTO SHOW 2010 www.flickr.com/photos/jezevec/albums/72157625695949108

INDY AUTO SHOW 2009 www.flickr.com/photos/jezevec/albums/72157625695949108

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This CarFax Certified, 1-Owner 2006 BMW 325i features options like a power Moonroof, corporate-quality Leather Seats, Alloy Wheels, Traction Control, a Rain Sensing Windshield, Anti-Lock Brakes, Multi-Zone Climate Control, Rear Head Air Bags, Steering Wheel Controls and Keyless Entry.

This vehicle also includes: Climate Control / Automatic - Tilt Wheel - MP3 Player Dock - Dual Power Seats - CD Single-Disc Player - Bluetooth - Memory Seats - Air Conditioning - Drivers Air Bag - Cruise Control - Auxiliary Power Outlet - Anti Theft - Passenger Air Bag - Power Mirrors - Steering Wheel Audio - Remote Trunk Release - Power Windows - Power Steering - Power Seats - Power Locks - Fog Lights - Daytime Running Lights - Vanity Mirrors - Rear Window Defrost - Bucket Seats - Trip Odometer

$17,995

This CarFax Certified, 1-Owner 2007 Audi A4 has a remaining Factory Warranty. Features include a Moonroof, Audi Symphony AM/FM Radio With 150 Watts, Speed Sensitive Volume and 10 Speakers Total; 6-Disc CD Changer; MP3 Player; Satellite Ready, 2 Front and 1 Rear Foglight, Automatic Climate Control With Sun Sensor,Driver Power Seat Adjusts 12-Ways Total, Front Dual Power Lumbar Support, Steering Wheel Mounted Controls For Audio and Cruise Control and Tinted Glass.

This vehicle also includes: Power Seat - Power Mirrors - Drivers Air Bag - Passenger Air Bag - Auxiliary Power Outlet - Cruise Control - Remote Trunk Release - Power Locks - Air Conditioning - Anti Theft - Fog Lights - Rear Window Defrost - Bucket Seats - Child Proof Locks - Vanity Mirrors

$17,095

This 1-Owner 2006 Chrysler Pacifica has been well taken care of! With just 34k miles, it offers years of trouble-free driving. Features include a Trailer / Tow Package, an easily adjustable Tilt-Wheel, Anti-Lock Brakes, Keyless Entry and Multi-Zone Climate Control.

This NAPA Inspected vehicle also includes Automatic Climate Control, a Universal Garage Door Opener, a base-boomin' ride with the Premium Sound System,Alloy Wheels for improved steering feel, arctic blast Air Conditioning and a 6-Disc CD Changer.

$13,995