31 Neill and his assistants.” Also during 1913, Bank of Clarke County agreed to a conference with a similar committee from the First National Bank of Berryville, the purpose being to fix identical hours for the operating of the two banks. Federal Reserve Act requirements in 1914 caused an increase in reserve requirements and reduced liquidity for Bank of Clarke County; 12 % of all demand deposits and 5% of all time deposits were restricted. 5/12ths of the aggregate of the above two amounts were to be kept in the bank’s own vault in actual cash. The remaining 7/12ths were in balances due from other solvent banks. The stockholders’ meeting of January 8, 1914, featured President Moore’s opinions on legislation and other matters banks were facing: “Deposits in our bank are largely dependent on the prosperity of our farmers. It has been our misfortune during the past twelve months to have had a failure in the wheat crop, and to a large extent a failure in the corn crop; besides this our farmers have suffered heavy losses from an epidemic of hog cholera, all of which causes combined have resulted in our deposits not being as large as they have heretofore been, and not being so large as we had hoped they would be. Another condition which has affected the money market of the country and caused some stringency of money has been due to anticipated legislation by the Congress of the United States looking to a complete revolution in its banking method, and the amount and mobility of the currency of the country. The uncertainty caused by the pendency of this legislation in Congress has had the effect of causing both the banks and individuals to withhold their money from investment, and indeed from circulation. The enactment of the Currency Reform Bill presents the need for this bank to determine whether or not it will avail itself of its provisions, or whether it will continue to operate purely as a state institution as it has done since its creation.” By November of 1915, the hog cholera epidemic had reached such a critical point that the bank’s Cashier was authorized to purchase anti-hog cholera serum to be kept on hand for sale to farmers. He was also asked to buy one syringe to lend to farmers. Mr. Gold died on December 4, 1915 and a resolution was passed espousing his contributions to Bank of Clarke County: Thomas D. Gold, who departed this life December 4, 1915 was a native of Clarke County Va. His education, obtained at the Berryville Academy, was interrupted by the outbreak of the War Between the States. At the age of sixteen years he enlisted as a soldier in defense of his state and served throughout the war; he was an earnest patriot and a brave and courageous soldier. In character he was sincere, straightforward and without guile. In action he was always true and faithful to his convictions. When the Bank of Clarke County was established in 1881 he became a member of its Board of Directors and continued to serve as such until his death. Resolved: That we are deeply sensible of the loss to this Board