principles from which their generosity sprang were utterly opposed to such pretensions. They had been taught by the Holy Spirit that they were lost and ruined sinners; quickened by his regenerating influences, they had fled in faith to the Saviour, and rested all their hopes for acceptance on his precious atonement and allsufficient righteousness. Yielding themselves up unreservedly to the service of Christ, a sense of his love shed abroad in their hearts had constrained them to consecrate all their time, their talents, and their substance, to his glory. May it be the reader's happy privilege to tread in their steps, and to experience the sweetness of an entire surrender of the soul to Him, "who, though he was rich, yet for our sakes became poor, that we through his poverty might be rich!"

APPENDIX.

ORIGIN AND PROGRESS OF SAVINGS' BANKS.

In the main body of our work we have noticed the institution of savings' banks. The merit of inventing these useful depositories for the savings of the poor has been frequently claimed for our own country. The subjoined notice from volume IV. of the Bankers' Magazine, shows however that they were known in other countries before the time of their establishment in Great Britain :

"It is probable that during the last and present centuries, there have been more public writers whose works have directly tended to attract general attention to the means of ameliorating the condition of the poor than during any previous centuries. No arrangement, however, next to providing employment for the poorer classes, and by it the means of present subsistence, was so important as that affording them the opportunity of husbanding their resources to form a provision against declining age and future necessities. Such an arrange

That these institutions have exerted a most favourable effect on the temporal welfare of the communities into which they have been introduced, cannot be doubted by any who have attentively considered their effects upon the humbler classes of scoiety.

LONDON: BLACKBURN AND BURT, PRINTERS, HOLBORN HILL.

Subsequently similar institutions were founded, namely, at Wendover, in 1799; at West Calder and at Ruthwell in Scotland, in 1807 and 1810; at Bath, in 1808; at Edinburgh, in 1813; and at London and other places in 1816. The dates of the first acts of parliament by which the government undertook at the public expense and on national security the support of savings' banks are the 11th and 12th of July, 1817, and within a few months of that period there were about one hundred savings' banks in England. This number has gone on gradually increasing; and on the 20th of November, 1842-the date up to which the printed parliamentary return on the subject was made up-it amounted to 562 in the United Kingdom.

"It was not until the year 1818 that France imitated the example of Switzerland and England, in the establishment of savings' banks, the first institution of the sort in that country being opened in Paris on the 15th of November in that year.

"Others were very soon afterwards established in the different provinces; and the total number of them on the 31st of December, 1844, was 332, exclusive of the Paris savings' bank and its branches. In addition to Switzerland, England, and France, savings' banks for the poorer classes have been established within the last few years in almost all the other countries of Europe."

That these institutions have exerted a most favourable effect on the temporal welfare of the communities into which they have been introduced, cannot be doubted by any who have attentively considered their effects upon the humbler classes of scoiety.

LONDON: BLACKBURN AND BURT, PRINTERS, HOLBORN HILL.