70 its sincere thanks for and appreciation of his faithfulservice as a Director, never extreme in his views, his practical judgment always commanded respect. His wide experience as a businessman was reflected in his action on the Board. But, not only as a useful and intelligent official do we regret his resignation, but during his long association with the Bank there was developed a warm, personal friendship between him and every official of the Bank, a relationship which we are confident will continue undisturbed. We esteem him as a friend, and appreciate his assurance of good will and wish for him abundant success in all of his business enterprises. A bank ad that ran in the summer of 1935 espoused the virtues of women in the chauvinistic style of the day – “The average woman is not altogether an individual, but rather a type . . . you are quite a positive quantity. We believe the average woman also keeps the cost of living within the income her husband receives.” The first Appraisal Committee was formed in December of 1935 to provide written appraisals on future loans to be secured by real estate. The first members were Mr. Clagett, Mr. Gilpin and Mr. E. B. Moore. The Cashier reported in the summer of 1936 that a survey of available persons for temporary employment during employees’ vacation periods had been conducted, and the decision was made to hire Mr. Carl Rodgers of Boyce, who appeared to possess the necessary qualifications and to be well recommended - “an intelligent, capable young man, who discharges his duties in a most satisfactory manner.” The Berryville Horse Show caused the directors to move their August meeting in 1936 and close the bank at 1 P.M. on both days of the show. In November of 1936, the results of an FDIC examination were reviewed and the official response by the Board was that “we admit that the margin of protection (on certain loans) is not large, but it has been said that enough is as good as a feast.” 1936 ended with the Board granting a basket of apples to each employee as a Christmas remembrance, “the product of your fine Berryville Orchards.” Mr. Bradford reported to the stockholders at the January 14, 1937 meeting that “the Board is glad to report that the business from the Boyce community has remained substantially with us” due to the merger. In appreciation of the President’s services, it was moved and passed to begin to pay Mr. Bradford $20 per month. In the spring of 1937, the Cashier was instructed to refer to the Boyce branch as “Boyce Branch of the Bank of Clarke County” and see that this designation be used in advertising, on stationery, checks and other printed matter. Mr. Stacy Lloyd, publisher of the Clarke Courier, informed the bank it would be necessary to increase the advertising rates being paid by banks. The Cashier was requested to once again collaborate with First National Bank in reducing the advertising space for both banks. One bank did not want to run an ad larger than the other. An affirmative vote was taken on November 18, 1937 to join the proposed