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WARFIELD, RICHARD EMORY, president of the Hanover Fire Insurance Company, New York, was born at "Manor Glen,” Baltimore County, Md., August 11, 1855. His business career began in 1871 as junior clerk in the office of the Firemen's Insurance Company of Baltimore, of which he became secretary in 1878. Mr. Warfield resigned that office in 1882 to take the management of the department of Maryland and Delaware for the Continental of New York. In 1885 he transferred his services to the Royal, and was placed in charge of the Baltimore department, composed of the states of Maryland, Virginia, West Virginia, and North Carolina, and the District of Columbia. On January 1, 1896, the Baltimore and Philadelphia departments of the Royal were consolidated, with headquarters at Philadelphia, and Mr. Warfield was transferred to Philadelphia as assistant manager. He was appointed manager in 1905, and resigned in 1906 to accept the presidency of the Hanover Fire Insurance Company.

WARREN, WILLIAM SEYMOUR, manager of the western department of the Liverpool and London and Globe Insurance Company at Chicago, was born at Cleveland, Ohio, May 10, 1848, and is a son of the late William Warren, who was the resident secretary from 1875 to the time of his death, in November, 1889. The younger Warren was Chicago local agent when that event occurred, and he was appointed, together with George Crooke, to succeed his father. Mr. Crooke withdrew in December, 1892, leaving Mr. Warren sole manager. The entire business life of Mr. Warren, from his school days to the present, has been devoted to the service of his company.

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WARSAW FIRE INSURANCE COMPANY, Warsaw, Russia, Fester & Folsom, Inc., United States managers, New York. mitted assets, December 31, 1913, $970,428; liabilities, $692,838.

WASHINGTON STATE ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS was organized in November, 1910, and officers were elected as follows: President, T. K. Binnie, Spokane; vice-president, Seth Morford; secretary and treasurer, E. L. Ensign, Spokane. The present officers, elected in April, 1914, are: President, E. B. Shettlin, Seattle; vice-president, T. K. Binne, Spokane; secretary and treasurer, R. E. Mahaffey, Tacoma.

WATSON, EDWARD L., president of the Providence Mutual Fire Insurance Company of Providence, R. I., was born at Bristol, R. I., June 16, 1863. He began his insurance career in 1881 as clerk

for the Providence-Washington Insurance Company. Later on he was special agent in New York State and the New England States for the same company, and was elected its secretary in 1889, which position he resigned on being elected president of the Providence Mutual in 1902.

WATT, GEORGE W., vice-president of the Girard Fire and Marine Insurance Company, Philadelphia, was born in Philadelphia of American parentage, and was educated in the public schools of that city. He began his insurance career as a boy, in the office of the Girard, resigning to enter the local agency business in Philadelphia, in 1896. Two years later he was appointed special agent for the middle department for the Boston Insurance Company, and in 1902 was called to the home office in Boston and placed in charge of the New England field business. He was appointed assistant manager of the Boston and Old Colony Insurance Companies in 1906, but resigned January 1, 1907, to return to his native city and accept his present position.

WATT, ROLLA VERNON, Pacific coast manager for the Royal and Queen Insurance Companies, was born at Camden, Preble county, Ohio, February 19, 1857. Reached the Pacific coast in 1876, where he was a clerk in a bookstore until 1882, when his first acquaintance with insurance was made. He entered the general agency office of Smith & Snow in San Francisco, and in 1884 had charge of their city desk. In 1887 the firm retired from the general agency business and Mr. Watt succeeded them, thus becoming Pacific coast manager for their three companies, the American Central of St. Louis, Pacific Fire of New York, and Amazon of Cincinnati. The Liberty was in his agency from its organization until its retirement when the Pacific coast business was reinsured by the American Central. The Delaware of Philadelphia came into the office succeeding the Liberty, the Amazon meantime having retired, reinsuring its business in the Royal. In March, 1894, Mr. Watt resigned the management of these companies to take that of the Royal and Norwich Union for the Pacific coast. On January 1, 1896, he relinquished the management of the Norwich Union to take that of the Queen in connection with the Royal, director and resident court manager Royal Indemnity Co. since its organization. Mr. Watt was president of the Fire Underwriters' Association of the Pacific for the year 1894. He was a member of the Board of Fire Commissioners of San Francisco for four years ending January 8, 1904, is president of the Young Men's Christian Association, is a director of the First National Bank, First Federal Trust Company, Mutual Savings Bank, a trustee of the "Children's Hospital and Training School for Nurses," and is connected with several other business and charitable and religious enterprises. He was elected president of the Board of Fire Underwriters of the Pacific in 1914.

WAYMAN, WILLARD ORMSBY, San Francisco, fire underwriter, has devoted his business life to fire underwriting. He is a native of California and was born in San Francisco, August 16, 1871. He began his insurance career in the office of the Alta Insurance Company of Stockton in 1889 and later became connected with the Pacific Coast department of the Guardian of London and Sun Insurance Office of London. In 1897 he was appointed manager of the Merchants' Insurance Company of Newark and in 1901 formed the firm of McNear & Wayman, representing the Merchants' of Newark and Girard Fire and Marine of Philadelphia. He is at present senior member of the firm of Wayman & Henry, representing the National Fire of Hartford, Sun Insurance Office of London, Michigan Fire & Marine and Merchants' and Traders' for the Pacific Coast territory.

WEED, SAMUEL RICHARDS, fire underwriter, comes from Colonial and Revolutionary ancestry, and is a native of New York City, where he was born February 9, 1837. After a public school education he studied law in New York and California, and removed from the latter state to St. Louis, Mo., in 1859. He organized a news bureau in that city for overland mail service for a syndicate of San Francisco journals. In 1864 he entered the local insurance agency business, and was a general and special agent in the west some years. In 1875 Mr. Weed returned to his native city and has since been continuously a local agent and manager there. He was vice-president of the late Liberty Insurance Company of New York. At present he is a member of the firm of Weed & Kennedy, local agents, and United States managers of the Alliance, until that company withdrew from the United States, in 1908. Mr. Weed is a director in the Nassau Bank of New York, also a member of the Sons of the Revolution and various New York clubs.

WEINMANN, LOUIS,_secretary of the Fireman's Fund Insurance Company of San Francisco, was born at Benicia, Cal., August 23, 1853. His education was received at the Missionary College of St. Augustine, which was one of the foremost institutions of that day. After being graduated with honors at the head of his class in 1874, he was appointed principal of the public schools of his native town. He was for several years president of the Board of Education of Solano County. He entered the drug business about this time, and began his first insurance experience as local agent for the Fireman's Fund. He removed to San Francisco in 1886, and for the succeeding two years was in charge of the mathematical department of the Commercial High School, but he resigned this position in 1888 to become special agent for the Fireman's Fund. In 1892 he was elected assistant secretary of the company, and was appointed to his present position in January, 1900. Mr. Weinmann was president of the Fire Underwriters' Association of the Pacific in 1898. In April, 1907, he was appointed a member of the Alameda City Board of Education, of which board he was president.

WESTCHESTER FIRE INSURANCE COMPANY of New York. Capital, $500,000. George R. Crawford, president; John H. Kelly, vice-president and treasurer; Otto E. Schaefer, secretary; George B. Crawford, assistant secretary. Admitted assets, December 31, 1913, $5,218,653.81; liabilities, $3,639,882.08.

WEST, EGBERT WATSON, vice-president of the Glens Falls Insurance Company, has spent his entire business career in the service of the Glens Falls Insurance Company; entering its service as a clerk. He was born in Glens Falls, N. Y., May 1, 1863, and received his education in the common schools of his native city. He represented the Glens Falls Insurance Company as special agent in the New York State and middle department field for twenty years, when he was called to the home office as assistant secretary, then elected secretary, afterward made vice-president. He is a trustee of the Home for the Aged and of the Glens Falls Hospital. WESTERN ASSURANCE COMPANY of Toronto, Can., incorporated 1851. W. R. Brock, president; W. B. Meikle, vice-president and general manager; John Sime, assistant general manager. United States assets, $2,578,165, surplus to policyholders, $1,053,888. Losses paid in United States since entry, $38,603,280.

WESTERN DEPARTMENT MANAGERS.

Managers.]

[See Chicago

WESTERN FACTORY INSURANCE ASSOCIATION. Address, Insurance Exchange, Chicago; S. W. Tripp, associate manager; Albert Blauvelt, associate manager. This association of stock fire insurance companies includes in their business the writing of sprinkled manufacturing risks in the western union states.

The last annual meeting of the association was held in Chicago, in May, 1914, when the following officers were elected: President, Walter H. Sage, German-American; vice-president, Chas. H. Barry, Pennsylvania; secretary and treasurer, Charles R. Street, FidelityPhoenix.

WESTERN INSURANCE BUREAU was organized in April, 1910, and is an organization of companies doing business in the western field which were not affiliated with the Western Union. E. G. Halle was the first chairman, and G. H. Batchelder, secretary. The present officers are: E. G. Halle, Germania Fire, chairman; Neal Bassett, Firemen's, Newark, vice-chairman; Charles L. Hecox, Ohio Farmers', treasurer; and Benjamin Auerback, secretary; executive committee, E. G. Halle, A. D. Baker, Benjamin Auerbach, Neal Bassett, W. M. Patton, C. W. Gerwig, C. E. Sheldon, N. J. Schrup, and W. D. Williams. M. A. Scholbe, manager.

WESTERN INSURANCE COMPANY, Pittsburgh, Pa. Organized 1849; capital, $300,000. W. H. Nimick, president; D. Dallas Hare, secretary. Admitted assets, December 31, 1913, $887,268.96; liabilities, $594,001.80.

WESTERN RAILWAY FIRE UNDERWRITERS. [See Railway Underwriters.]

WESTERN SPRINKLED RISK ASSOCIATION was organized at a meeting in Chicago in March, 1904, by representatives of companies not affiliated with the Western Union, for the purpose of writing sprinkled risks. Officers were elected as follows: President, J. L. Whitlock, Glens Falls; vice-president, William Trembor, German of Freeport; treasurer, E. G. Halle, Germania; secretary, R. D. Harvey, New Hampshire. The present officers, elected at the annual meeting in February, 1914, are: President, A. D. Baker, Michigan Commercial; vice-president, Walter D. Williams, Security, Conn.; secretary and manager, Fred A. Rye; treasurer, E. G. Halle, Germania.

WESTERN UNION. [See Union, The.]

WEST VIRGINIA ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS was organized at Wheeling, September 5, 1899. The following officers were elected: W. S. Foose, president; W. D. Paden, F. E. Nichols, vice-presidents; A. F. Faulkner, Wheeling, secretary; William Lohmeyer, treasurer. At the annual meeting in June, 1914, officers were elected as follows: President, C. W. Thornberg; vice-presidents, H. L. Alexander and C. H. Merkel; secretary and treasurer, W. S. Lindamood.

WEST VIRGINIA FIRE UNDERWRITERS' ASSOCIATION was organized in February, 1900, with the following officers: President, F. Riester, Wheeling; vice-president, William Lohmeyer, Charleston; second vice-president, L. J. Bonar, Mansfield; third vice-president, Robert Lackay, Richmond; secretary-treasurer, E. B. Bowie, Wheeling; executive committee, J. F. Paull, Wheeling; Grayson Burruss, Baltimore; Hall Turner, Baltimore; D. G. Morgan, Wheeling; R. E. Gooch, Cleveland; Harry Bush, Louisville; H. M. Gibbs, Columbus. For the purposes of supervision the State is divided into five districts, each district being in charge of a committee of five. At the annual meeting in February, 1914, the following officers were elected: President, S. F. Nininger, Queen; vice-president, Wm. Lohmeyer; secretary and treasurer, A. S. Whitely, Wheeling, W. Va.; executive committee, R. H. Cooper, chairman, F. I. Mosher, W. C. Perry, M. A. Tozier, J. H. Clinton, Wm. C. Poe, Jr., J. T. Kirkwood, R. H. Cooper, F. M. Bleuit.

WHAT CHEER MUTUAL FIRE INSURANCE COMPANY, Providence, R. I. Organized 1873. Frank L. Pierce, president and treasurer; Chas. A. Tompkins, assistant secretary. Admitted assets, December 31, 1913, $537,653.19; liabilities, $308,001.91.

WHILDEN, WILLIAM GILBERT was born at Charleston, S. C., May 2, 1868. He was educated in the public schools of Atlanta, Ga., and the Greenville, S. C., Military Institute, and entered the fire insurance business in 1885. He was appointed special agent for the Continental in Pennsylvania and West Virginia in 1890, and assistant to the secretary at the home office of the Continental