putting in cement walks and gutters, for Megory had located in the beginning in an extremely bad place. The town was located in a low place, full of alkali spots, buffalo wallows underlaid with hardpan, which caused the surface to hold water to such an extent, that, when rain continued to fall any length of time, the cellars and streets stood in water.
But Megory had the start, with the largest and best territory, which had by this time been developed into improved farms; the real farmer was fast replacing the homesteader. It had the biggest and best banks. Regardless of all the efficiency of Calias, it appeared weak in its banking. Now a farmer could go to Nicholson Brothers, and get the largest farm loan because the boys' father was president of an insurance company that made the loan, but the banks there were short in the supply of time loans on stock security, but Calias' greatest disadvantage was, that directly west in Tipp County the Indians had taken their allotments within seven or eight miles of the town, and there was hardly a quarter section to be homesteaded.
Now there was no doubt but that in the course of time the Indian allotments would be bought, whenever the government felt disposed to grant the Indian a patent; which under the laws is not supposed to be issued until the expiration of twenty-five years. People, however, would probably lease the land, break it up and farm it; but that would not occur until some future date, and Calias needed it at the present time.
A western town, in most instances, gets its boom in the beginning, for later a dry rot seems an inevi-
