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The Mechanics National Bank was a Philadelphia, Pennsylvania, bank founded by and geared toward mechanics. ==History== In 1809, Philadelphia was already known for both skilled workers and as America's main financial center, but the merchants who controlled its banks had little interest in lending to mechanics or manufacturers. So a small group of artisans and master craftsmen resolved to organize one that would be run by and for the mechanics themselves. The following January, they adopted a set of bylaws that required all directors to be mechanics currently working at their trades and prohibited mercantile investments like ships. The bank would also be one of the first to acquire its capital from a large number of small shareholders instead of a few large investors. While the organizers bought some stock themselves, they reserved most of the 14,000 shares for a public sale at Independence Hall the next month. There wasn't enough room in the building for everyone who wanted to buy stock – according to one report, a man lost his hat and wig trying to climb in a window – and nearly 700 people were turned away. Within an hour, they had adjourned to a nearby coffeehouse and organized the Commercial Bank. By the end of the day, five more banks had been organized in the city. The pundits were skeptical. An editorial entitled "Infatuation" appeared in several newspapers: Within weeks, the legislature had banned unchartered associations from most banking activities and the new bank temporary closed, lent most of its capital back to the shareholders, and began lobbying for a charter, which was finally granted in 1814. For its first twenty years, the "Banking House" was a three-story brick building formerly occupied by a hat and bonnet maker (the vault was an addition in the back yard) and by 1833, it had become completely inadequate for its purpose. After a burglar took $3,995 in gold and silver one night, an inspection found the building "in a decayed state and in many parts quite insecure." Despite some hasty repairs, the bank outgrew the building within two years, temporarily expanded into the house next door and began to buy land on the opposite side of Third Street. Unfortunately, it was only able to obtain two adjacent lots, resulting in a narrow site flanked by higher buildings on both sides. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Mechanics National Bank」の詳細全文を読む スポンサード リンク
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