* Mother Smith's "Biographical Sketches" p. 213.

The corner-stone was laid on July 23, 1833, and the Temple was not dedicated until March 27, 1836. Mormon devotion certainly showed itself while this work was going on. Every male member was expected to give one-seventh of his time to the building without pay, and those who worked on it at day's wages had, in most instances, no other income, and often lived on nothing but corn meal. The women, as their share, knit and wove garments for the workmen.

The Temple, which is of stone covered with a cement stucco (it is still in use), measures 60 by 80 feet on the ground, is 123 feet in height to the top of the spire, and contains two stories and an attic.

The cost of this Temple was $40,000, and, notwithstanding the sacrifices made by the Saints in a.s.sisting its construction, and the schemes of the church officers to secure funds, a debt of from $15,000 to $20,000 remained upon it. That the church was financially embarra.s.sed at the very beginning of the work is shown by a letter addressed to the brethren in Zion, Missouri, by Smith, Rigdon, and Williams, dated June 25, 1833, in which they said, "Say to Brother Gilbert that we have no power to a.s.sist him in a pecuniary point, as we know not the hour when we shall be sued for debts which we have contracted ourselves in New York."*

* Millennial Star, Vol. XIV, p. 450.

To understand the business crash and scandals which compelled Smith and his a.s.sociates to flee from Ohio, it is necessary to explain the business system adopted by the church under them. This system began with a rule about the consecration of property. As originally published in the Evening and Morning Star, and in chapter xliv of the "Book of Commandments," this rule declared, "Thou shalt consecrate all thy properties, that which thou hast, unto me, with a covenant and a deed which cannot be broken," with a provision that the Bishop, after he had received such an irrevocable deed, should appoint every man a steward over so much of his property as would be sufficient for himself and family. In the later edition of the "Doctrine and Covenants" this was changed to read, "And behold, thou wilt remember the poor, and consecrate thy properties for their support," etc.

By a "revelation" given out while the heads of the church were in Jackson County, Missouri, in April, 1832 (Sec. 82), a sort of firm was appointed, including Smith, Rigdon, Cowdery, Harris, and N. K. Whitney, "to manage the affairs of the poor, and all things pertaining to the bishopric," both in Ohio and Missouri. This firm thus a.s.sumed control of the property which "revelation" had placed in the hands of the Bishop. This arrangement was known as The Order of Enoch. Next came a "revelation" dated April 23, 1834. (Sec. 104), by which the properties of the Order were divided, Rigdon getting the place in which he was living in Kirtland, and the tannery; Harris a lot, with a command to "devote his monies for the proclaiming of my words"; Cowdery and Williams, the printing-office, with some extra lots to Cowdery; and Smith, the lot designed for the Temple, and "the inheritance on which his father resides." The building of the Temple having brought the Mormon leaders into debt, this "revelation," was designed to help them out, and it contained these further directions, in the voice of the Lord, be it remembered: "The covenants being broken through transgression, by covetousness and feigned words, therefore you are dissolved as a United Order with your brethren, that you are not bound only up to this hour unto them, only on this wise, as I said, by loan as shall be agreed by this Order in council, as your circ.u.mstances will admit, and the voice of the council direct.....

"And again verily I say unto you, concerning your debts, behold it is my will that you should pay all your debts; and it is my will that you should humble yourselves before me, and obtain this blessing by your diligence and humility and the prayer of faith; and inasmuch as you are diligent and humble, and exercise the prayer of faith, behold, I will soften the hearts of those to whom you are in debt, until I shall send means unto you for your deliverance.... I give you a promise that you shall be delivered this once out of your bondage; inasmuch as you obtained a chance to loan money by hundreds, or thousands even until you shall loan enough [meaning borrow] to deliver yourselves from bondage, it is your privilege; and pledge the properties which I have put into your hands this once.... The master will not suffer his house to be broken up. Even so. Amen."

It does not appear that the Mormon leaders took advantage of this authorization to borrow money on Kirtland real estate, if they could; but in 1835 they set up several mercantile establishments, finding firms in Cleveland, Buffalo, and farther east who would take their notes on six months' time. "A great part of the goods of these houses," says William Harris, "went to pay the workmen on the Temple, and many were sold on credit, so that when the notes became due the houses were not able to meet them."

Smith's autobiography relates part of one story of an effort of his to secure money at this trying time, the complete details of which have been since supplied. He simply says that on July 25, 1836, in company with his brother Hyrum, Sidney Rigdon, and Oliver Cowdery, he started on a trip which brought them to Salem, Ma.s.sachusetts, where "we hired a house and occupied the same during the month, teaching the people from house to house."* The Mormon of to-day, in reading his "Doctrine and Covenants," finds Section 111 very perplexing. No place of its reception is given, but it goes on to say:--

* Millennial Star, Vol. XV, p. 281.

"I, the Lord your G.o.d, am not displeased with your coming this journey, notwithstanding your follies; I have much treasure in this city for you, for the benefit of Zion;... and it shall come to pa.s.s in due time, that I will give this city into your hands, that you shall have power over it, insomuch that they shall not discover your secret parts; and its wealth pertaining to gold and silver shall be yours. Concern not yourself about your debts, for I will give you power to pay them.... And inquire diligently concerning the more ancient inhabitants and founders of this city; for there are more treasures than one for you in this city."

"This city" was Salem, Ma.s.sachusetts, and the "revelation" was put forth to brace up the spirits of Smith's fellow-travellers. A Mormon named Burgess had gone to Kirtland with a story about a large amount of money that was buried in the cellar of a house in Salem which had belonged to a widow, and the location of which he alone knew. Smith credited this report, and looked to the treasure to a.s.sist him in his financial difficulties, and he took the persons named with him on the trip. But when they got there Burgess said that time had so changed the appearance of the houses that he could not be sure which was the widow's, and he cleared out. Smith then hired a house which he thought might be the right one,--it proved not to be,--and it was when his a.s.sociates were--becoming discouraged that the ex-money-digger uttered the words quoted, to strengthen their courage. "We speak of these things with regret," says Ebenezer Robinson, who believed in the prophet's divine calling to the last.*

* The Return, July, 1889.

Brought face to face with apparent financial disaster, the next step taken to prevent this was the establishment of a bank. Smith told of a "revelation" concerning a bank "which would swallow up all other banks."

An application for a charter was made to the Ohio legislature, but it was refused. The law of Ohio at that time provided that "all notes and bills, bonds and other securities [of an unchartered bank] shall be held and taken in all courts as absolutely void." This, however, did not deter a man of Smith's audacity, and soon came the announcement of the organization of the "Kirtland Safety Society Bank," with an alleged capital of $4,000,000. The articles of agreement had been drawn up on November 2, 1836, and Oliver Cowdery had been sent to Philadelphia to get the plates for the notes at the same time that Orson Hyde set out to the state capital to secure a charter. Cowdery took no chances of failure, and he came back not only with a plate, but with $200,000 in printed bills. To avoid the inconvenience of having no charter, the members of the Safety Society met on January 2, 1837, and reorganized under the name of the "Kirtland Society Anti-banking Company," and, in the hope of placing the bills within the law (or at least beyond its reach), the word "Bank" was changed with a stamp so that it read "Anti-BANK-ing Co.," as in the facsimile here presented.

[Ill.u.s.tration: Bank-Note 198]

W. Harris thus describes the banking scheme:--

"Subscribers for stock were allowed to pay the amount of their subscriptions in town lots at five or six times their real value; others paid in personal property at a high valuation, and some were paid in cash. When the notes were first issued they were current in the vicinity, and Smith took advantage of their credit to pay off with them the debts he and his brethren had contracted in the neighborhood for land, etc. The Eastern creditors, however, refused to take them. This led to the expedient of exchanging them for the notes of other banks.

Accordingly, the Elders were sent into the country to barter off Kirtland money, which they did with great zeal, and continued the operation until the notes were not worth twelve and a half cents to the dollar."*

* "Mormonism Portrayed," p. 31

Just how much of this currency was issued the records do not show. Hall says that Brigham Young, who had joined the flock at Kirtland, disposed of $10,000 worth of it in the States, and that Smith and other church officers reaped a rich harvest with it in Canada, explaining, "The credit of the bank here was good, even high."* Kidder quotes a gentleman living near Kirtland who said that the cash capital paid in was only about $5000, and that they succeeded in floating from $50,000 to $100,000. Ann Eliza, Brigham's "wife No. 19," says that her father invested everything he had but his house and shop in the bank, and lost it all.

* "Abominations of Mormonism Exposed" (1852), pp. 19, 20.

Cyrus Smalling, one of the Seventy at Kirtland, wrote an account of Kirtland banking operations under date of March 10, 1841, in which he said that Smith and his a.s.sociates collected about $6000 in specie, and that when people in the neighborhood went to the bank to inquire about its specie reserve, "Smith had some one or two hundred boxes made, and gathered all the lead and shot the village had, or that part of it that he controlled, and filled the boxes with lead, shot, etc., and marked them $1000 each. Then, when they went to examine the vault, he had one box on a table partly filled for them to see; and when they proceeded to the vault, Smith told them that the church had $200,000 in specie; and he opened one box and they saw that it was silver; and they were seemingly satisfied, and went away for a few days until the elders were packed off in every direction to pa.s.s their paper money."*

* "Mormons; or Knavery Exposed" (1841).

Smith believed in specie payments to his bank, whatever might be his intentions as regards the redemption of his notes, for, in the Messenger and Advocate (pp. 441-443), following the by-laws of the Anti-banking Company, was printed a statement signed by him, saying:--

"We want the brethren from abroad to call on us and take stock in the Safety Society, and we would remind them of the sayings of the Prophet Isaiah contained in the 60th chapter, and more particularly in the 9th and 17th verses which are as follows:--

"Surely the isles shall wait for me, and the ships of Tarshish first, to bring thy sons from far, their silver and their gold with them, unto the name of the Lord thy G.o.d.

"For bra.s.s I will bring gold, and for iron I will bring silver, etc."

The Messenger and Advocate (edited by W. A. Cowdery), of July, 1837, contained a long article on the bank and its troubles, pointing out, first, that the bank was opened without a charter, being "considered a kind of joint stock a.s.sociation," and that "the private property of the stockholders was holden in proportion to the amount of their subscriptions for the redemption of the paper," and also that its notes were absolutely void under the state law. The editor goes on to say:--

"Previously to the commencement of discounting by the bank, large debts had been contracted for merchandise in New York and other cities, and large contracts entered into for real estate in this and adjoining towns; some of them had fallen due and must be met, or incur forfeitures of large sums. These causes, we are bound to believe, operated to induce the officers of the bank to let out larger sums than their better judgments dictated, which almost invariably fell into or pa.s.sed through the hands of those who sought our ruin.... Hundreds who were enemies either came or sent their agents and demanded specie, till the officers thought best to refuse payment."

This subtle explanation of the suspension of specie payments is followed with a discussion of monopolies, etc., leading up to a statement of the obligations of the Mormons in regard to the discredited bank-notes, most of which were in circulation elsewhere. To the question; "Shall we unite as one man, say it is good, and make it good by taking it on a par with gold?" he replies, "No," explaining that, owing to the fewness of the church members as compared with the world at large, "it must be confined in its circulation and par value to the limits of our own society."

To the question, "Shall we then take it at its marked price for our property," he again replies, "No," explaining that their enemies had received the paper at a discount, and that, to receive it at par from them, would "give them voluntarily and with one eye open just that advantage over us to oppress, degrade and depress us." This combined financial and spiritual adviser closes his article by urging the brethren to set apart a portion of their time to the service of G.o.d, and a portion to "the study of the science of our government and the news of the day."

A card which appeared in the Messenger and Advocate of August, 1837, signed by Smith, warned "the brethren and friends of the church to beware of speculators, renegades, and gamblers who are duping the unwary and unsuspecting by palming upon them those bills, which are of no worth here."

The actual test of the bank's soundness had come when a request was made for the redemption of the notes. The notes seem to have been accepted freely in Pittsburg, Pennsylvania, where it was taken for granted that a cashier and president who professed to be prophets of the Lord would not give countenance to bank paper of doubtful value.* When stories about the concern reached the Pittsburg banks, they sent an agent to Kirtland with a package of the notes for redemption. Rigdon loudly a.s.serted the stability of the inst.i.tution; but when a request for coin was repeated, it was promptly refused by him on the ground that the bills were a circulating medium "for the accommodation of the public," and that to call any of them in would defeat their object.**

* "Rocky Mountain Saints," p. 71.

** "Early Days of Mormonism," p. 163.

Other creditors of the Mormons were now becoming active in their demands. For failing to meet a note given to the bank at Painesville, Smith, Rigdon, and N. K. Whitney were put under $8000 bonds. Smith, Rigdon, and Cowdery were called into court as indorsers of paper for one of the Mormon firms, and judgment was given against them. To satisfy a firm of New York merchants the heads of the church gave a note for $4500 secured by a mortgage on their interest in the new Temple and its contents.* The Egyptian mummies were especially excepted from this mortgage. Mother Smith describes how these relics were saved by "various stratagems" under an execution of $50 issued against the prophet.

* Ibid., pp. 159-160.

The scheme of calling the bank corporation an "anti-banking" society did not save the officers from prosecution under the state law. Informers against violators of the banking law received in Ohio a share of the fine imposed, and this led to the filing of an information against Rigdon and Smith in March, 1837, by one S. D. Rounds, in the Caeuga County Court, charging them with violating the law, and demanding a penalty of $1000 They were at once arrested and held in bail, and were convicted the following October. They appealed on the ground that the inst.i.tution was an a.s.sociation and not a bank; but this plea was never ruled upon by the court, as the bank suspended payments and closed its doors in November, 1837, and, before the appeal could be argued, Smith and Rigdon had fled from the state to Missouri.

CHAPTER VI. -- LAST DAYS AT KIRTLAND