CRIMSON CLOVER AND ITS COMPANION 
IN MARYLAND. 
A COMMUNITY WITH CHARACTER.—Whenever 
I meet Sidney II. Stabler he makes me think of 
agricultural credits. Sidney was graduated from 
the Maryland Agricultural College with the class of 
1911. lie had been brought up on a farm in the old 
Quaker settlement at Sandy Springs, Montgomery 
County, Maryland, which is perhaps the most highly 
organized agricultural community in this country. 
This constitution still stands, 
felt that it should be rewritten 
Sandy Springs people have o _ _ w _. 
the community, not even excepting theN^Uues^^fav- 
ing been raised upon a farm under such in mien ces 
Sidney knew two things not ordinarily taught at an 
agricultural college; practical farm methods and the 
value of organization. 
THE NEED OF CAPITAL.—What was the stu¬ 
dent to do after graduating? His training, his 
tastes, his ambitions, all directed him toward the 
fifths of the loan had been paid back, he would have 
paid four per cent on the remainder in semi-annual 
installments until the entire loan was liquidated. 
Rut Sidney’s government offered him no such op¬ 
portunity. lie was a citizen of the sovereign State 
of Maryland, which is part of the richest country 
in the world. His State and his country had lav¬ 
ishly spent money for his education. It is spending 
millions on its Department of Agriculture and field 
demonstration work.—to say nothing of the other 
millions spent on battleships and river and harbor 
WEEKLY $1.00 PER YEAR. 
Yol. LXXII. No. 4209. 
NEW YORK, JUNE 
1 lu ' Sandy Springs people not only possess the old 
\ s| 1 armers’ Club, but they also claim the distiiu 
turn of having organized the first Woman’s Club i 
America. The Farmers’ Club, which was organize, 
m 1M4, has a remarkable constitution. Here is th 
whole thing: 
^•°P t for our government no rules other tha: 
«>H‘ winch govern gentlemen in good society: with th 
i "f; option that it shall be the duty and the privi 
e.u-li member to criticize freely any arrange 
lYlPn+o • vnucuic UUjr clili 
elm ’• ° n f . farm of a member at whose house 
eiui) is meeting 
farm. Rut his means were limited. Here is where 
the question of agricultural credits comes in. If 
Sidney had been a citizen of the little kingdom of 
Denmark, his government would have loaned him 
nine-tenths of the value of the farm he elected to 
buy, at three per cent interest per annum. This 
loan would have been exempt from installment re¬ 
payments for the first five years. After this period 
he would have been required to pay four per cent 
on two-fifths of his loan, or three per cent interest 
and one per cent payment on the capital. After two- 
improvement. Instead, however, of helping these 
young men who graduate from its land grant agri¬ 
cultural colleges to purchase a farm in a neighbor¬ 
hood where their knowledge would be an asset to 
the entire farming community, it lets them go out 
into the business world, seeking employment for 
which they have not been trained, and wasting the 
10 best years of their life trying to get money enough 
to buy a farm. Meanwhile the boy marries a city 
girl who lias no taste for farm life, assumes the re¬ 
sponsibility of raising a family, gets settled in busi- 
