Thomas R. Cox and The Bank of Willacoochee

Thomas R. Cox grew up at Ray’s Mill, GA (now Ray City) and later returned as a resident. He was only educated through the 8th grade, but made a successful career in bookkeeping.  In the early 1900s he went to Willacoochee, GA to live with his uncle Gid Gasksins and to work  in Gaskin’s general merchandise store as a salesman.

Within a few years Thomas secured a situation as Bookkeeper for the Bank of Willacoochee. The Bank of Willacoochee was chartered in 1900 with $25,000 capital investment. The Cashier of the bank was George F. McCranie, son of Malcolm McCranie who fought in the 1836 Battle of Brushy Creek.

All seemed well until the morning of Thursday, May 4, 1916 when Thomas R. Cox failed to show up for work at the bank.  With Cox’s unexplained disappearance Cashier George F. McCranie suspected the worst, and the bank was closed pending an investigation by the state bank examiner.

Over the next two months some details unfolded, not only in local newspapers, but in papers  as far away as Honolulu.

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Tifton Gazette
May 12, 1916

Bank of Willacoochee

Closed Pending Examination of the Books by Authorities

    Willacoochee, Ga., May 9. –  The doors of the Bank of Willacoochee of this place were closed Monday and the institution is in the hands of the state bank examiner.
     T. R. Cox, who was bookkeeper, has been missing since last Thursday. Soon after his departure, it was reported that George F. McCranie, cashier, discovered that errors had been made in keeping the books, and immediately wired for experts to examin into the affairs of the bank. The examination has continued through yesterday and today.
     Later reports say the errors in the books are not as great as reported and that the bank is in good shape.

—–♦—–

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Thomas R. Cox of Willacoochee, GA sought by police. Atlanta Constitution, May 17, 1916

 

Atlanta Constitution
May 17, 1916

Police Asked to Find Missing Bookkeeper

________________

    Police Chief W. M. Mayo was requested to have his men be on the lookout for Thomas R. Cox, former bookkeeper of the Bank of Willacoochee, Ga., who was reported to have embezzled the bank of several thousand dollars.
    George F. McCranie, cashier of the institution, called at the police station and told Chief Mayo that the officials of the bank offered a reward of $500 for the former bookkeeper’s arrest.

 

Honolulu Star-Bulleting reports arrest of Thomas R. Cox, bookkeeper of the Bank of Willachoochee

Honolulu Star-Bulletin reports arrest of Thomas R. Cox, bookkeeper of the Bank of Willachoochee

Honolulu Star-Bulletin
June 19, 1916

Charged with the embezzlement of $30,000 from the Bank of Willacoochee, Ga., Thomas R. Cox, aged 28, was recently arrested in New York.

 

 

Tifton Gazette, May 25, 1916 reports Thomas R. Cox, formerly of Ray City, GA, arrested in New York.

Tifton Gazette, May 25, 1916 reports Thomas R. Cox, formerly of Ray City, GA, arrested in New York.

Tifton Gazette
May 26 1916

COX CAUGHT IN NEW YORK

New York, May 25, — Thomas R. Cox, Age 28, was arrested here today charged with embezzling $30,000 from the Bank of Willacoochee, of Willacoochee, Ga.

     The Bank of Willacoochee, considered one of the soundest financial institutions in that section of the state, was closed May 8th following the disappearance of the Bookkeeper, Thomas R. Cox.
    It was at first stated that the shortage amounted to $30,000 but later there were reports that the defalcation was not so great, an error of the adding machine being in part responsible.
    Cox’s home was formerly at Ray City, in Berrien County.

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Atlanta Constitution
May 27, 1916

Coffee Sheriff Holds Thos. Cox in New York

Willacoochee, Ga., May 26. — (Special.) — A telegram was received from Sheriff David Ricketson, of this county, last night stating that Thomas R. Cox, who is charged with wrecking the Bank of Willacoochee, was held by him in New York city and requisition papers have been forwarded to the governor of Georgia for his signature. The state bank examiner is still in charge of the institution and the amount of shortage is not known, though it is estimated at several thousand dollars.

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Tifton Gazette
June 23,1916

BANK OF WILLACOOCHEE

From the Willacoochee Record.
      At a meeting of the stockholders of the Bank of Willacoochee Tuesday, the stockholders present representing 231 of the 250 shares of the bank, voted unanimously in favor of an assessment sufficient to bring the impaired capital stock up to its par value and resume business.
      This will make the institution as sound as it ever was. Besides a plan has been proposed by depositors are to be insured and new officers for the institution will be elected if the plan of reorganization is successful. It is understood that the present depositors will co-operate with the stockholders for the payment of their claims as it will assure the reorganization and at the same time protect themselves as depositors.

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Atlanta Constitution, July 7, 1916 reports that the Bank of Willacoochee has reopened for business

Despite all the reported allegations of embezzlement by Thomas R. Cox, the available newspapers never reported that the Bank Examiners had any findings against him or that he was ever charged with any crime. He later worked as a book keeper in Ray City, GA.

 

The Ray City – Willacoochee Connection

There were several south Georgia families that shared a Ray City – Willacoochee connection.

After 1908, the route of the Georgia & Florida Railroad was from Jacksonville, GA to Madison, FL  and provided convenient transportation between Willacoochee and Ray City by way of Nashville, GA, a run of about 34 miles.

Gideon Gaskins and the Oak View Hotel

Gideon D. Gaskins

Gideon D. Gaskins was born September 15, 1859 and raised in the vicinity of Ray’s Mill, GA.  His father was William Gaskins and his mother was Elizabeth Clements.  The Berrien County tax digests of 1884-1886 show the twenty-something young Gideon Gaskins in the 1144 Georgia Militia District, the Ray’s Mill district, although he was not a land owner.

On October 17, 1886, Gideon D. Gaskins married Lourene “Lula” Clements in Berrien County, GA.

Marriage Certificate of Gideon D. Gaskins and Lula R. Clements, October 17, 1886, Berrien County, GA

Marriage Certificate of Gideon D. Gaskins and Lula R. Clements, October 17, 1886, Berrien County, GA

Lula was born September 5, 1866, a daughter of John C. Clements  and Mary Patten.

Some time before 1887,  Gideon Gaskins moved his family to Willacoochee, GA where he worked as a merchant.  The 1887 property tax digest show “Giddie” Gaskins owned property in the town of Willacoochee valued at $135, and $25 worth of household furnishings. His stock of merchandise was valued at $300. The 1890 property tax digests show Gaskins’ town property in Willacoochee valued at $200, as well as $50 in household furnishings and $20 in livestock.

An 1898 society item from offered a tongue-in-cheek critique of the Willacoochee merchant’s physique.  Gaskin’s fellow businessmen and neighbors were: Albert Padgett, merchant; William L. Moore, merchant; Joe Vickers, merchant; Henry Paulk, merchant.  Gid Gaskins was apparently leaner and cleaner shaven than his colleagues.

1898 personal mention of Gid Gaskins, merchant of Willacoochee, GA

1898 personal mention of Gid Gaskins, merchant of Willacoochee, GA

Tifton Gazette
June 17, 1898

Clever Joe Vickers is waxing fat, selling good goods and eating fish these days.  The same would be true of our friends Padgett and Moore, but Gid Gaskins is not quite keeping up with the boys in the matter of flesh.  Like Henry Paulk, however, he is better prepared to stand hot weather.

In the census of 1900, Gideon Gaskins gave his occupation as merchant and indicated he was working as a wage employee. By 1902, Willacoochee was a growing concern and Gideon was ready to run his own shop.  He built a brick store in Willacoochee on the south side of the tracks of the Brunswick and Western Railroad. The Brunswick & Western Railroad ran 171 miles from Brunswick, GA to Albany, GA passing through Waynesville, Waycross, Waresboro, Pearson, Sniff, Kirkland, Pinebloom, Willacoochee, Alapaha, Enigma,  Brookfield, Vanceville, Tifton and other towns.  In the 1870s and 80s the Brunswick & Western had been the stomping grounds of the notorious outlaw Ben Furlong; in the 1900s Jack Alsea “Joe” Furlong,  son of Ben Furlong, was  residing at Willacoochee, GA in the household of his foster parents Benjamin B. Gray and Ellen Gray .

 

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Tifton Gazette
March 21, 1902

A Growing Town

    Tifton’s sister city Willacoochee is showing more evidence of thrift and interprise than any town along the Brunswick and Western.
    The Bank of Willacoochee has just finished two handsome brick store rooms on either side of the bank building, and these are occupied by D. E. Gaskins and by Carter & Ford.
   Mr. G. D. Gaskins is erecting a handsome brick store, 25×90 feet, as is also Mr. J. J. Vickers, the former on the south and the latter on the north side of the railroad, where his store was burned last Christmas.
   Both these buildings will soon be completed and occupied. Messrs. M. Corbitt and J. F. Shearer have also put a handsome line of groceries in the post office building.
    Several more improvements are contemplated.

Gideon D. Gaskins and Lula Clements had only one child, Mattie Mae Gaskins, born October 10, 1890. A 1904 news clipping from the Tifton Gazette suggests that Mattie Gaskins may have attended the Sparks Institute as a teen ager.

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The 1910 census records show that Gideon’s nephew, Thomas R. Cox, had come to live with the Gaskins in Willacoochee by that time.  It was a banner year for Willacoochee in 1910.  The opening of the line of the Georgia & Florida on October 1, 1908 had brought a second railroad to the town and by 1910 the town was experiencing a boom in construction.  The Peoples Bank building went up, along with half a dozen still-existing brick and wood commercial buildings.  and the Willacoochee Electric Plant. And in 1910,  the Oak View Hotel was built in Willacoochee; Gideon Gaskins would be the proprietor.

The former Oak View Hotel, Willacoochee, GA

The former Oak View Hotel, Willacoochee, GA, with its distinctive jerkinhead (clipped gable) roof line. The jerkinhead design roof was stronger, but more expensive than a conventional hip gable roof.

The former Oak View hotel still stands on the corner of McCranie Street and Gaskins Street in Willacoochee, GA.  The hotel was built in a prime location,  one block south of the tracks of the Brunswick & Western Railroad and two blocks east of the depot of the recently opened Georgia & Florida Railroad.   After 1908, the route of the G&F was from Jacksonville, GA to Madison, FL  and provided convenient transportation between Willacoochee and Ray City by way of Nashville, GA, a run of about 34 miles. The Gaskins were one of many south Georgia families that shared a Ray City – Willacoochee connection.

The costs of constructing the Oak View Hotel may have strained Gideon D. Gaskins’ finances.  In 1910 he received a judgment of bankruptcy, but later determined that he would be able to make good on all his debts.

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Tifton Gazette
April 29, 1910

Does Not Appear Bankrupt

     Brunswick, Ga., April 23. – The case of G. D. Gaskins of Willacoochee, recently adjudged to be a bankrupt by the local refferee in bankruptcy, will come up for a hearing in this city on May 2.
    The schedule of liabilities and assets of the bankrupt were recently filed in the court for this district, and they show that he has assets of about $7,450, while his liabilities are only about $2,982.11.
    Some of the indebtedness has been paid off since the filing of the petition, and it is expected that when he comes to the hearing he will offer to pay dollar for dollar.

Despite earlier struggles, business was good in Willacoochee. By 1916 Gideon’s nephew, Thomas R. Cox, had secured a position as bookkeeper for the Bank of Willacoochee. When Cox disappeared in May, 1916 there were allegations of malfeasance.

Gideon D. Gaskins died at his home in Willacoochee, GA on October 23, 1916.

Death of Gideon D. Gaskins reported in the Tifton Gazette

Death of Gideon D. Gaskins reported in the Tifton Gazette

Obituary
The Tifton Gazette

Oct 27, 1916

 G. D. Gaskins, Willacoochee.
Willacoochee, Ga., October 24.-(Special.)- G .D. Gaskins, proprietor of the Oak View hotel and a well-known citizen of this county, died at his home here last night about 6 o’clock. He is survived by a wife, one daughter, Miss Mattie Mae Gaskins, of Willacoochee; four brothers, Bart, Tom and John Gaskins of Ray City, and Bryan Gaskins, of Sparks, and three sisters, Mrs. Ida Sirmans, and Mrs. Catherine Roberts of Nashville, and Mrs. Mary Cox of Ray City. The funeral was held at 3 o’clock this afternoon, followed by the interment here.

The grave of Gideon D. Gaskins lies in the Willacoochee City Cemetery.

Grave of Gideon D. Gaskins, Willacoochee City Cemetery, Willacoochee, GA. Image source: Barbara L. Kirkland

Grave of Gideon D. Gaskins, Willacoochee City Cemetery, Willacoochee, GA. Image source: Barbara L. Kirkland

The information from the grave marker is somewhat problematic. First, the given name on the grave does not follow the expected spelling –  “Gidian” instead of “Gideon.” Second, the date of death on the grave -March 21, 1916 – does not match with obituaries published in local and state newspapers which clearly establish the date of death as October 23, 1916.  It appears that the marker on the grave of Gideon D. Gaskins was placed well after the time of his death, perhaps after the time of his wife’s death, and that the date of his passing or even the spelling of his name was not well known to those tending his grave.

After the death of Gideon D. Gaskins his widow, Lula Clements Gaskins, operated the Oak View Hotel for a few years, then returned to Ray City, GA with her daughter, Mattie Mae Gaskins.   They lived in a house on Main Street, Ray City, until Lula’s death in 1947.

Grave of Lula Clements Gaskins, Willacoochee City Cemetery, Willacoochee, GA. Image source: Barbara L. Kirkland

Grave of Lula Clements Gaskins, Willacoochee City Cemetery, Willacoochee, GA. Image source: Barbara L. Kirkland