Banker. His reminiscences of events concerning the development of banking in Denton, Texas, 1900-86. Comments about First Guaranty State Bank, Exchange National Bank, First National Bank, Denton County National Bank, First State Bank; his father's tenure as sheriff of Denton County; his father's entry into the banking business with First Guaranty Bank; his student years at North Texas State Normal College; history of First State Bank, 1912-86; bank failures in Denton during the Great Depression; Bank Holiday, 1933; role of the Federal Deposit Insurance Corporation in strengthening the banking system; his personal banking philosophy.

Banker, chairman of board, First State Bank of Denton. Family background; father’s role in founding First State Bank of Denton; education; work with various federal and state agencies; early experiences in banking; presidency of Texas Bankers Association; Depression; evolution of banking practices and laws; views on local ownership of banks vs. holding company banks; his bank investment policies.