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1 First company chartered in the State for a general fire insurance business. Organized Sept. 1, 1817, as the Fire Association, and was an association of fire companies, who designed to render themselves self-supporting by the profits arising from insurances. Originally the Safety Insurance Company; name changed Jan. 27. 1874. Risks in force December, 1883, $2,012,000. 6 Risks in force December, 1883, $13,650,000.

4 $400,000 allotted in shares of $400 each.

Oldest life insurance organization in the United States. Granted by the Penns to Rev. Francis Allison, vice-provost of the University, in 1755. Organized as "The Corporation for the Relief of Poor and Distressed Widows and Children of Presbyterian Ministers."

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8 Originally chartered in three States,-Pennsylvania, New York, and New Jersey. It was resolved to separate into three corporations,—one for each State. The Pennsylvania branch was incorporated March 28, 1797.

9 Both an insurance and trust company. Other trust companies of chapter on "Bankers and Currency," though having a provision in their charter allowing them to do an insurance business, do not exercise the right to any extent, or not at all. Policies of the Provident Life and Trust Company outstanding March 31, 1883, represent $37,499,951.

CHAPTER LII.

TELEGRAPHS, TELEPHONES, AND ELECTRIC LIGHTS.

THE first telegraph of any kind by which intelligence was brought to Philadelphia was established in 1809, under the patronage of the Chamber of Commerce, and according to the plan of Jonathan Grout, who set it up. Grout was a schoolmaster, and of somewhat testy disposition and eccentric in character. He was a native of Belchertown, Mass., and had at an early period turned his attention to the subject of telegraphic communication. In 1798 he had established a line of telegraphs between Boston and Martha's Vineyard, ninety miles, over which it is recorded messages were sent in ten minutes. He received a patent from Congress in 1800. The character of his invention is not exactly known, but it is probable that it was upon the semaphore plan. There was enough merit in it to interest the merchants of Philadelphia sufficiently to raise the means for the establishment of a line of telegraph to Reedy Island, at the head of Delaware Bay, from which early news of the arrival of ships was important to business interests. A charter was granted by the Legislature to the Reedy Island Telegraph Company March 24, 1809. The line was shortly afterward constructed, and on the 8th of November of the same year the first dispatch received in the city announced the arrival in the Delaware of the ship "Fanny," from Lisbon. How long this telegraph was continued is not exactly known. Statements made years afterward were to the effect that it was soon abandoned, not for reason of inefficiency, but because the peculiar temperament of Grout led him into controversies and quarrels with his customers, who gradually withdrew their confidence from him, and eventually the line proved to be a failure.

Dr. John Redman Coxe took great interest in the subject of telegraphs, and published in the Emporium of Arts and Sciences for 1812, vol. ii. p. 99, a description of his plan for a revolving telegraph for conveying intelligence by figures, letters, words, or sentences. The machine consisted of a semicircular frame fixed upon a wooden frame, which could be made to rotate upon a turn-table upon rollers on the top of a tower or other high place. There were thirteen chambers or windows in the upper part of the frame managed by ropes. The telegraphing was done principally by the windows, in opening or shutting them, wholly or partially, and an arrangement was proposed by the use of lights for telegraphing at night. Dr. Coxe afterward turned his thoughts to the use of galvanism for telegraphic purposes, a suggestion which it has since been ascertained had already been acted upon by Dr. Samuel Thomas von Soemmering, in Munich, in 1807. The latter sent the galvanic current through ten thousand feet of wire, and arranged his signals to be produced by the decomposition of water. There is no suspicion that Dr. Coxe

ever knew of these experiments, which attracted no attention at the time, and could not be suspected to be of the importance which was afterward manifested, when electricity was applied to the wires instead of galvanism. Dr. Coxe, in 1815, wrote to Thomson's Annals of Philosophy a letter published in London, February, 1816, vol., vii. 1st series, in which, speaking of galvanism, he said,-

"I have, however, contemplated this important agent (galvanism) as a probable means of establishing telegraphic communication with as much rapidity, and perhaps less expense, than any hitherto employed. I do not know how far experiment has determined galvanic action to be communicated by means of wires, but there is no reason to suppose it confined as to limits. Certainly not as to time. Now by means of apparatus fixed at certain distances, as Telegraph Stations, and by tubes for the decomposition of water and of salts, etc., regularly arranged, such a key might be adopted as would be requisite to communicate words and sentences, or figures from one station to another, and so on to the end of the line. I will take another opportunity to enlarge upon this, as I think it might serve many useful purposes; but like all others it requires time to mature. As it takes up little room and may be fixed in private, it might in many cases of besieged towns, etc., convey useful intelligence with scarcely a chance of detection by the enemy. How

ever fanciful in speculation, I have no doubt that sooner or later it will be rendered useful in practice."

Actually this suggestion differed only in degree from the plan afterward adopted in the working of the Bain Electric Telegraph. It has been said that Dr. Coxe subsequently demonstrated the merits of his plan to his students by setting up wires and using the voltaic pile in the lecture-room of the University of Pennsylvania, for telegraphic purposes; but if such experiments were made, there is unfortunately no record of them.

There was for some years prior to 1846 a private telegraph between New York and Philadelphia of the existence of which the majority of the people were profoundly ignorant. It was established perhaps as early as 1840, and its operations were not made known to the public. The proprietor was William C. Bridges, stock and exchange broker of this city, and the dispatches were principally used to convey the drawn numbers in lotteries, and the prices of stocks for the benefit of the brokers who were interested in the line. The telegraph stations were placed on the high points across New Jersey, and there must have been some station in Philadelphia at a sufficient altitude from the nearest station on the east side of the river to observe the signals. The operations in daytime were somewhat upon the semaphore plan, and were visible from station to station, and sent on from one to the other. At night the signals were given by lights with flashes. This was done by the use of a box in which a lamp was placed in front of a parabolic reflector. A common wooden drop in front of the box, operated by a lever, could be raised so that the light would be shown, and allowed to fall so as to shut it off. By the length of time during which the light was shown signals were made, analogous to the short and long dashes and dots afterward used in the Morse telegraph. Long and short flashes conveyed the information, and these

being arranged formed sentences and words. A telescope to the apparatus at each station kept the light in view although at a long distance. Subsequently the principle of the heliostat was adopted, by which flashes of sunlight upon a mirror could be conveyed to long distances, and would not be visible to other persons who were not within the direct line of the flash. This telegraph was superseded, as a matter of course, when the electro-magnetic telegraph came into operation. In January, 1846, the Public Ledger published the following:

"The private signal telegraph from Philadelphia," the Burlington Gazette says, "has just been abandoned, having no doubt done good service to its owners. It has been in use several years. One of the stations was on the hill at Mount Holly, while the others were on different elevations a few miles apart, so that a good telescope could distinguish the signals. Intelligence was conveyed from one city to the other in about ten minutes, by elevating boards on a pole in a particular way by means of machinery at the foot of the pole. At night lamps of different colors were used. The whole concern was sold for about three thousand dollars. It was a great affair when first established, and many mysterious movements in the Philadelphia stock and produce markets were laid at the door of the speculators who worked the telegraph. No doubt the speculation paid them well. But though a good thing at first, it has been superseded by a better,-Morse's electro-magnetic telegraph has prostrated all rivals."

For the present purpose it is not necessary to expatiate upon the claims made upon behalf of rival scientists to the invention of the magnetic telegraph. Several minds were engaged with the subject in this country and in Europe. There is no difficulty about the fact that Samuel F. B. Morse was the first person who demonstrated the practicability of the magnetic telegraph in the United States. The means by which he arrived at sufficient perfection in his plans to establish the first practical line are well known. He petitioned Congress in 1838 for assistance in establishing a line of telegraph between Baltimore and Washington without immediate success.

In 1842 Congress, on the 3d of March, passed an act appropriating thirty thousand dollars for the purpose, and "to test the practicability of establishing a system of electro-magnetic telegraph in the United States. Professor Morse at once set to work. His first idea was to lay the wires near the sleepers of the Baltimore and Ohio Railroad in lead pipes and underground. The preparation of the wires was very imperfect, and the experiment was a failure, the pipes having been laid about ten miles from Baltimore to the Relay House. The plan of constructing a line of wires stretched upon poles was then resorted to, the wires being carried over the cross-arms in notches insulated by being placed on prepared canvas saturated with some composition. At this time the line was commenced at Washington, about the beginning of the year 1844. It was tested as it proceeded, and on the 1st of May the cars from Baltimore to Washington were apprised, when twenty miles from Washington, of the Whig nomination, at the National Convention in Baltimore, of Henry Clay and Theodore Frelinghuysen, which had been made after the cars

started. The line was completed on the 24th of May, 1844, and Miss Annie Ellsworth, daughter of the chief commissioner of patents, a young lady who was the first to give to Professor Morse the joyful intelligence of the passage of the bill by Congress two years before making an appropriation for the purpose of testing the telegraph, was sent for to dictate the first message ever sent between the two cities, and it was in these words, "WHAT HATH GOD WROUGHT!" The next day the telegraph was thrown open to business between Washington and Baltimore, and at one o'clock the first press message was sent over the line from the capitol to the Baltimore Patriot, announcing that the House had refused to go into committee of the whole on the Oregon question, a motion to that effect having been defeated. The proceedings of the Democratic National Convention at Baltimore, and of the Tyler National Convention also meeting there, were telegraphed to the National Intelligencer at Washington regularly. That paper, speaking of the unusual occurrence, said, "During the whole day a crowd of persons, including a number of members of Congress, were in attendance at the capitol to receive the reports by the telegraph of the news from Baltimore, which were made at successive intervals with striking dispatch and accuracy, and were received by the auditors as the responses of the ancient oracle may be supposed to have been, with emotions corresponding to the various and opposite sentiments of those composing the assembly. Whatever variety of impression the news made upon the auditory, however, there was but one sentiment concerning the telegraph itself, which was that of mingled delight and wonder."

The line was continued in operation for several months, but the receipts were not sufficient to maintain it. It was announced on the 30th of January, 1845, that it would be discontinued on the 1st of February, but some arrangements were made for its continuance, and during the session Congress appropriated eight thousand dollars for the service of the line under the direction of the Postmaster-General, thus making the line a postal-telegraph. He appointed as officers under him: Superintendent, Professor Morse; Assistant Superintendents, Alfred Vail and Henry J. Rogers; Battery-Tender and Line-Repairer, Henry W. Cleveland. During the remainder of that year, from March 31st to December 31st, the charge for telegraphing being one cent per word, the whole amount received for the business of the line was $725.48, of which $352.80 were paid at Washington, and $372.68 at Baltimore. During that first period the public value of the service was demonstrated by reports of election news and returns. The method of sending dispatches was limited, in consequence of the defective character of the apparatus. It was found that the receiving-magnet could not be worked so as to transmit more than twenty words per minute. Mr. Vail, therefore, invented a dictionary, in order to

meet the demands of the Baltimore afternoon press. Each phrase was indicated by a word taken from an ordinary dictionary, and the words were arranged alphabetically and placed opposite the phrase to be transmitted. The phrases were also arranged in alphabetical order, and grouped together under appropriate headings. The names of the officers and members of the two Houses were numbered, and by this means a large amount of Congressional business was transmitted in a brief space of time. Mr. Rogers, at Baltimore, deciphered the messages for the reporters of the Baltimore newspapers, and they wrote them down and transmitted them to the respective journals. Shortly after the return of Professor Morse from Europe, in the winter of 1844-45, with a new receivingmagnet, he was able to dispense with the use of the dictionary. It was used, however, in transmitting the report of the proceedings at the inauguration of President Polk.

The success of the enterprise between Baltimore and Washington, although not very flattering during the year 1845, was sufficient to stimulate capitalists to engage in the building of lines between the principal Atlantic cities. The first telegraph company was organized March 15, 1845, under the name of the Magnetic Telegraph Company. It was not incorporated until Feb. 4, 1847, with the following incorporators: S. F. B. Morse, George C. Penniman, Henry J. Rogers, John S. McKim, J. R. Trimble, John O. Stevens, and A. Sidney Doane, and William M. Swain, one of the proprietors of the Public Ledger at Philadelphia. The object was to build a line from Washington to New York, and application was made to the New Jersey Railroad for permission to erect posts and build a line between New York and Philadelphia. Strangely enough the privilege was refused, upon the ground that the telegraph would interfere with travel by enabling persons to transact business by its means instead of using the railroad.1

In consequence of this refusal the company was compelled to construct the line over the old stage road by the way of Somerville, N. J., New Hope, Pa., and thence by way of Norristown to Philadelphia.

The construction commenced in 1845. On the 10th | of October the United States Gazette made the following announcement:

1 The first subscribers to the company were Corcoran & Riggs, $1000; B. B. French, $1000; Eliphalet Case, $1000; Charles Munroe, $1000; Peter G. Washington, $200; John F. Holly, $1500; John E. Kendall, $300; James E. McLoughlin, $350; Amos Kendall, $500; Daniel Gold, $1000; Simon Brown, $500; A. J. Glossbrenner, $500; E. Cornell, $500; Charles G. Page, $500; D. George Templeman, $200; Henry J. Rogers, $100; J. W. Murphy, $100; A. W. Payne, $500; Francis 0. J. Smith, $700; Furman Block, $200; T. L. & A. Thomas Smith, $200; Keller Greenough, $500; J. C. Broadhead, $500; A. Thomas Smith, $100; John W. Norton, $1000. These subscriptions were not sufficient, and application was made for further assistance. Moore N. Falls, John S. McKim, A. S. Abell, of the Baltimore Sun, and his partners, William M Swain and A. H. Simmons, of the Philadelphia Ledger, and George H. Hart and other prominent Philadelphians subscribed liberally.-Scharf's History of Baltimore, p. 506.

"The work of placing a magnetic telegraph on the line between this city and New York is rapidly progressing. The workmen are now putting up the wire on the eastern portion. The first terminus will be on the Columbia Railroad, about fourteen miles from the Schuylkill, whence the wires will be brought into the city. Messrs. J. R. Chandler and George Campbell presented in Councils at the meeting, October 9th, a petition for the Magnetic Telegraph Company to put up poles on the sidewalks and place the wires thereon. Mr. O'Reilly is building a telegraph line from Harrisburg to this city."

On the 27th of the same month it was stated that the wires from New York were taken across the East River in a lead pipe. There were four wires, and the pipe was manufactured by Tatham Brothers, of Philadelphia. Unfortunately, this method failed at first, for want, no doubt, of sufficient insulation. On the 6th of December the same paper stated, "The operation of placing the wires on the telegraph poles commenced December 5th. The wire is of copper, without covering or coating of any kind to insulate it; and the mode of fastening is to coil it twice around a glass button securely fixed in the cross-piece on the top of a pole, so that in case the wire should accidentally break the double coil will sustain the remainder. The wires are to be taken into the room No. 31 of the Merchants' Exchange (which was in the third story), where the galvanic battery will be placed." The portion of the telegraph to New York situate between Norristown and Philadelphia was tested on the 2d of January, 1846, and on the same day the Ledger received its first telegraphic dispatch from Norristown, giving an account of the condition of the river Schuylkill, swollen by rains. On the 5th it was announced that the western telegraph had been completed between Harrisburg and Lancaster, with this notification, "The Harrisburg train leaves for Lancaster at one o'clock, arrives at Lancaster at four. News may be telegraphed from Harrisburg to Lancaster up to half-past three, and be brought to Philadelphia by railroad." On the 15th of January, 1846, the Public Ledger published the following:

"ABOUT THE MAGNETIC TELEGRAPH.-The utility of this undertaking has not been even yet properly estimated. An individual leaving this city for New York can transact his business here with the same facility that he could were he personally present. Several striking instances of this fact have already been exhibited. While a man was absent in another city his place of business was visited, and some important business matter was to be attended to about which his clerks had no authority. The communication was made through the telegraph, the principal was sought out, and brought to the office at the other end, and the business was transacted with the same facility as if the two persons had been confronted in the same room.

"No inconvenience whatever resulted from the absence of the principal from his affairs. Again, a man in one city away from home loses his money or by any other means becomes short of funds; a communication stating these facts is sent to his friends; the amount he wishes is deposited in the office of the telegraph; notice of the fact is conveyed by the wires to the operator at the other end, who pays it to the man. Such has been actually done on the telegraph between Baltimore and Washington; and the presumption is that the occasions will increase in proportion as the connections are established between the principal cities of the

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