[TO THE EDITOR OF IRS "SPECTATOR."]
SIn,—My attention has been called to letters in your last two issues dealing with the problem of cheap credit and the pro- vision of banking facilities for the working classes. It is most encouraging to find interest aroused in an unexpected quarter, and to feel that the solution of this question has the moral support of your columns. That the establishment of a powerful no-operative and Agricultural Bank in this country is only a matter of time there is no question, for it is the necessary complement to the Small Holdings and Allotments Act of 1907, and an essential for the full development of the agricultural and economic resources of the country. Such a scheme is now having the careful consideration of the directors of the Central Co-operative Agricultural Bank, Dacre House, Dacre Street, Westminster, who would be very grateful if those interested in the movement would put themselves in communication with them, or with Mr. H. C. Devine, of 39 Victoria Street, Westminster.—I am, Sir, &c.,
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