THE 
TWENTY-THIRD ANNUAL REPORT 
BOARD OF DIRECTORS , . | 
OF PHILADELPHIA. 
(Incorporated March 21st, 1859.) 
READ AT THE ANNUAL MEETING OF THE MEMBERS AND LOAN- 
HOLDERS OF THE SOCIETY. 
April 25th, 1895. 
PHILADELPHIA : 
ALLEN, LANE & SCOTT, PRINTERS, 
229 and 231 South Fifth Street. 
OF THE 
OF THE 
1895. 
