In 1858 Minnesota was overrun with "Wild Cat" money. Perhaps I had better explain this. It had no value outside the state and was not a sure thing in it. You took money at night, not knowing whether it would be worth anything in the morning. However, it looked well and we all took chances. Any county could issue money by giving some sort of a bond, so we had among others "Glencoe County," "Freeborn County", "Fillmore County," "Chisago County," "La Crosse and La Crescent," and many others. Daily bulletins were issued telling what money was good. In the final round up, the only money redeemed at face value was "La Crosse and La Crescent." I printed a directory with a Mr. Chamberlain of Boston. I sold my book and took "Wild Cat" in payment and, after paying the printer, had quite a bunch of it on hand, but merchants would not take it at its face value. We had no bank of exchange then. Orin Curtis had a little place he called a bank, but I never saw money go in or out of it. I found what was termed a bank on the west side of the river--a two room affair, up one pair of stairs, and presided over by J. K. Sidle, who afterwards was president of the First National Bank. He was at that time loaning money at three per cent a month. The nearest bank of Exchange was that of Borup & Oakes of St. Paul, and the only way to get there was to walk or pay Allen & Chase one dollar and a half for the round trip. I preferred to walk, and so did, to receive an offer of eighty five cents on the dollar for my "Wild Cat." "No, sir," I said, "I'll go back home first," and walked back. I made three other trips and finally took twenty-five cents on the dollar and was glad to get it, for in a short time, it was worthless. Merchants issued their own individual scrip and payed many local bills that way. For instance: "David Edwards will pay five dollars in goods at his store upon presentation of this paper, etc." Times were hard, but pioneers never desert. They are always on deck. Hence our Minneapolis of today.