The Presbyterian Church had no church building until 1850. Prior to this it held its services in buildings designed for less spiritual purposes. In 1843 the adherents of this Church used the Supreme Court, Queen Street, where, it is said, the ruling elders sat in the dock as their bench of honour! The first church--St. Andrew's--was commenced in 1847, and opened for divine service on April 7th, 1850. It cost £3500. Originally it was a very plain building, but with later additions, including the tower, which was erected in 1882, it has now quite a commanding appearance. The additions and alterations were made from the plans of Mr. Matthew Henderson, and cost £3000. Mr. J. J. Holland was the contractor. The Rev. A. G. Panton was the first minister. The Presbytery of Auckland was formed six years later, on October 14, 1856, the Rev. John Mackay being appointed first Moderator. The Wesleyan denomination commenced its ministration early in the 'forties, and, in 1843, a small weatherboard church was erected in High Street, on a site granted by the Government. The building was a modest one, costing £246. It was superseded by a brick church, which was erected and opened in 1848. Commercial development rendered a banking concern a necessity. The first bank to be opened in Auckland was the New Zealand Banking Company, which had commenced its career at Kororareka. In July, 1841, a branch was instituted at Auckland in premises which were situated in Princes Street, near the site occupied by the Grand Hotel of to-day. Mr. Alex. Kennedy was the manager. Beyond these meagre details, the writer has not been able to obtain satisfactory information about this bank's subsequent history. [Illustration: Auckland, 1852, from Smale's Point Showing Commercial Bay, Fort Street, Fort Britomart, Shortland Street and old St. Paul's Church _P. J. Hogan, delt._] The Auckland Savings Bank commenced its career on June 5th, 1847. The trustees transferred their property to the Government in 1848, and under its auspices continued to operate, an office in the Union Bank of Australia being used, and here it remained until 1854, when a room adjoining the Colonial Bank of Issue was granted by the Government for the use of the Savings Bank. In 1859 a site in Queen Street, being part of the site upon which the bank still stands, was acquired from the Provincial Council, and obtaining additional land by purchase, the trustees decided, in 1860, to erect a building of their own. The year 1876 saw the inauguration of the Penny Savings Bank. The present premises were opened in 1884 by the Governor, Sir William Drummond Jervois. The architect and contractor were respectively Mr. Edward Bartley and Mr. J. Heron.