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Chapter I. The Negro as a Local Business Man............ 1 1. The Status Prior to 1865.................. 1 2. The Situation after 1865 ................. 6 3. Achievements Analyzed ................... 12 4. The Transition and the World War.......... 17 5. The Present Status........................ 29 6. Some ObservationL ..................... 36 II. The Negro in Banking.......................... 41 1. Introduction ............................. 41 2. Mutual and Cooperative Attempts.......... 43 3. Efforts of Military Officials................ 45 4. The Freedmen's Savings Bank ............. 47 5. Efforts to Establish Private Banks.......... 54 6. Savings Banks of Fraternal Societies........ 57 7. Revived Interest in Banks.................. 65 8. Outstanding Banks of Today .............. 72 9. Industrial Savings Banks................. 81 10. The Dunbar National Bank................ 83 III. Insurance Business among Negroes.............. 87 1. Humble Beginnings ....................... 87 2. Actual Insurance ..................... . 94 3. The Present Outlook...................... 101