CHAPTER VII. BANKS--INSURANCE--MARINE-TELEGRAPH COMPANIES--ADMINISTRATION OF JUSTICE --MILLING AND MANUFACTURES--RAPID INCREASE OF POPULATION IN CITIES AND TOWNS--EXCERPTS FROM ANDREW PICKEN.

The only bank in the Province in 1830 was the Bank of Upper Canada, with a capital of L100,000. There are now nine chartered banks owned in Ontario, with a capital of $17,000,000, and there are seven banks owned, with one exception, in the Province of Quebec, having offices in all the principal towns. There are also numbers of private banks and loan companies, the latter representing a capital of over $20,000,000. This is a prolific growth in half a century, and a satisfactory evidence of material success.

Insurance has been the growth of the last fifty years. During the session of the House of Assembly in 1830, a bill was introduced to make some provision against accidents by fire. Since then the business has grown to immense proportions. According to the returns of the Dominion Government for the 31st December, 1879, the assets of Canadian Life, Fire, Marine, Accident, and Guarantee Companies were $10,346,587. British, doing business in Canada, $6,838,309. American, ditto, $1,685,599. Of Mutual Companies, there are 94 in Ontario, with a total income for 1879 of $485,579, and an expenditure of $455,861. [Footnote: Inspector of Insurance Report, 1880.]

Fifty years ago the revenue of Upper Canada was L112,166 13s 4d; the amount of duty collected L9,283 19s. The exports amounted to L1,555,404, and the imports to L1,555,404. There were twenty-seven ports of entry and thirty-one collectors of customs. From the last published official reports we learn that the revenue for Ontario in 1879 was $4,018,287, and that for the fiscal year ending June 30th, 1880, the exports were $28,063,980, and imports $27,869,444; amount of duty collected, $5,086,579; also that there are fifty-six ports of entry and thirty- eight outposts, with seventy-three collectors.

One of the most interesting features in the progress of Canada is the rapid growth of its marine. It is correctly stated to rank fourth as to tonnage among the maritime powers of the world. The United States, with its fifty-four millions of people and its immense coast-line, exceeds us but by a very little, while in ocean steamers we are ahead. In fact, the Allan Line is one of the first in the world. This is something for a country with a population of only five-and-a-half millions to boast of, and it is not by any means the only thing. We have been spoken of as a people wanting enterprise—a good-natured, phlegmatic set—but it is libel disproved by half a century's progress. We have successfully carried out some of the grandest enterprises on this continent. At Montreal we have the finest docks in America. Our canals are unequalled; our country is intersected by railroads; every town and village in the land is linked to its neighbour by telegraph wires, and we have probably more miles of both, according to population, than any other people.

The inland position of the Province of Ontario, although having the chain of great lakes lying along its southern border, never fostered a love for a sea-faring life. This is easily accounted for by the pursuits of the people, who as has been said before, were nearly all agriculturists. But the produce had to be moved, and the means were forthcoming to meet the necessities of the case. The great water-course which led to the seaports of Montreal and Quebec, owing to the rapids of the St. Lawrence, could only be navigated by the batteaux and Durham boats; and the navigator, after overcoming these difficulties, and laying his course through the noble lake from which our Province takes its name, encountered the Falls of Niagara. This was a huge barrier across his path which he had no possible means of surmounting. When the town of Niagara was reached, vessels had to be discharged, and the freight carted round the falls to Chippawa. This was a tedious matter, and a great drawback to settlement in the western part of the Province. Early in the century, the Hon. William Hamilton Merritt conceived the plan of connecting Lakes Erie and Ontario by a canal, and succeeded in getting the Government to assume the project in 1824. It was a great work for a young country to undertake, but it was pushed on, and completed in 1830. From that time to the present vessels have been enabled to pass from one lake to the other. This, with the Sault Ste. Marie canal, and those of the St. Lawrence, enables a vessel to pass from the head of Lake Superior to the ocean. The Ridean Canal undertaken about the same time as the Welland Canal, was also completed in the same year. It was constructed principally for military purposes, though at one time a large amount of freight came up the Ottawa, and thence by this canal to Kingston. The St. Lawrence was the only channel for freight going east. All the rapids were navigable with the batteaux except the Lachine, and up to 1830 there was a line of these boats running from Belleville to Montreal. [Footnote: The reader may be interested in learning the amount of produce shipped from the Province in 1830, via the St. Lawrence, and the mode of its conveyance. It is certainly a marked contrast, not only to the present facilities for carrying freight, but to the amount of produce, etc., going east and coming west. Statement of produce imported into Lower Canada through the Port of Coteau du Lac, to December 30th, 1830, in 584 Durham boats and 731 batteaux; 183,141 Bls. flour; 26,084 Bls. ashes; 14,110 Bls pork; 1,637 Bls. beef; 4,881 bus. corn and rye; 280,322 bus. wheat; 1,875 Bls. corn meal; 245 Bls. and 955 kegs lard; 27 Bls. and 858 kegs butter; 263 Bls. and 29 hds. tallow; 625 Bls. apples; 216 Bls. Raw hides; 148 hds. and 361 kegs tobacco; 1,021 casks and 3 hds. whiskey and spirits; 2,636 hogs. Quantity of merchandise brought to Upper Canada in the same year, 8,244 tons.—Journal of the House of Assembly, 1831.] Our canal system was completed fifty years ago, and all that has been done since has consisted of enlarging and keeping them in repair. The total number of miles of canal in the Province is 136.

The number of vessels composing our marine in 1830 was 12 steamers and 110 sailing vessels, with a tonnage of 14,300; and it is worthy of remark that at that date the tonnage on the lakes was about equal to that of the United States. The number of steam vessels now owned by the Province is 385, with 657 [Footnote: Report Marine and Fisheries, 1880.] sailing vessels, having a total tonnage of 137,481, which at $30 per ton would make our shipping interest amount to $4,124,430.

A great deal has been done these last few years to protect the sailor from disaster and loss. Independent of marine charts that give the soundings of all navigable waters, buoys mark the shoals and obstructions to the entrance of harbours or the windings of intricate channels; and from dangerous rocks and bold headlands, jutting out in the course of vessels, flash out through the storm and darkness of the long dreary night the brilliant lights from the domes of the lighthouses, warning the sailor to keep away. By a system of revolving and parti-coloured lights the mariner is enabled to tell where he is, and to lay his course so as to avoid the disaster that might otherwise overtake him. There are now 149 [Footnote: Ib.] lighthouses in the Ontario division. In 1830 there were only four. Another great boon to the mariners of the present day is the meteorological service, by which he is warned of approaching storms. It is only by the aid of telegraphy that this discovery has been made practically available; and the system has been so perfected that weather changes can be told twenty-four hours in advance, with almost positive certainty. We have fourteen drum stations, eight of which are on Lake Ontario, four on Lake Huron, and two on the Georgian Bay.

The Montreal Telegraph Company, the first in Canada, was organized in 1847. It has 1,647 offices in the Dominion, 12,703 miles of poles, and 21,568 of wire. Number of messages for current year, 2,112,161; earnings, $550,840. The Dominion Company reports 608 offices, 5,112 miles of poles, and 11,501 of wire. Number of messages, 734,522; gross earnings, $229,994. This gives a total of 17,845 miles of telegraph, 2,282 offices, 2,846,623 messages, and gross earnings amounting to $780,834. [Footnote: Annual Report of Montreal and Dominion Telegraph Companies, 1881.]

The administration of justice cost the Province in 1830, $23,600, and according to the latest official returns $274,013—a very striking proof that our propensity to litigate has kept pace with the increase of wealth and numbers. There were four Superior Court Judges, of whom the Hon. John Beverley Robinson was made Chief Justice in 1829 at a salary of $6,000. The remaining judges received $3,600 each. Besides these there were eleven District Judges, and in consequence of the extent of country embraced in these sections, and the distance jurors and others had to travel, the Court of Sessions was held frequently in alternate places in the district. In the Midland District, this court was held in Kingston and Adolphustown. The latter place has been laid out for a town by some farseeing individual, but it never even attained to the dignity of a village. There was, besides the courthouse, a tavern, a foundry, a Church of England—one of the first in the Province—the old homestead of the Hagermans, near the wharf; a small building occupied for a time by the father of Sir John A. Macdonald as a store, and where the future statesman romped in his youth, and four private residences close at hand. When the court was held there, which often lasted a week or more, judge, jury, lawyers and litigants had to be billeted around the neighbourhood. As a rule they fared pretty well, for the people in that section were well off and there was rarely any charge for board. The courts comprised the Court of King's Bench, the Quarter Sessions, and Court of Requests. The latter was similar to our Division Court, and was presided over by a commissioner or resident magistrate. The Quarter Sessions had control of nearly all municipal affairs, but when the Municipal Law came into force these matters passed into the hands of the County Councils. The machinery in connection with the administration of justice has been largely augmented for, beside the additional courts, we have six Superior Court Judges, one Chancellor, two Vice-Chancellors, one Chief-Justice, three Queen's Bench, three Common Pleas, three Court of Appeal Judges, and thirty-eight County Court Judges.

The manufacturing interests of the Province in 1830 were very small indeed. I have been unable to put my hand on any trustworthy information respecting this matter at that time, but from my own recollection at a somewhat later period, I know that very little had been done to supply the people with even the most common articles in use. Everything was imported, save those things that were made at home.

From the first grist mill, built below Kingston by the Government for the settlers—to which my grandfather carried his first few bushels of wheat in a canoe down the Bay of Quinte, a distance of thirty-five miles—the mills in course of time increased to 303. They were small, and the greater proportion had but a single run of stones. The constant demand for lumber for building purposes in every settlement necessitated the building of saw-mills, and in each township, wherever there was a creek or stream upon which a sufficient head of water could be procured to give power, there was a rude mill, with its single upright saw. Getting out logs in the winter was a part of the regular programme of every farmer who had pine timber, and in spring, for a short time, the mill was kept going, and the lumber taken home. According to the returns made to the Government, there were 429 of these mills in the Province at that time. [Footnote: Journals, House of Assembly, 1831.] There were also foundries where ploughs and other implements were made, and a few fulling mills, where the home-made flannel was converted into the thick coarse cloth known as full cloth, a warm and serviceable article, as many no doubt remember. Carding machines, which had almost entirely relieved the housewife from using hand cards in making rolls, were also in existence. There were also breweries and distilleries, and a paper mill on the Don, at York. This was about the sum total of our manufacturing enterprises at that date.

There are now 508 grist and flour mills—not quite double the number, but owing to the great improvement in machinery the producing capacity has largely increased. Very few mills, at the present time, have fewer than two run of stones, and a great many have fewer, and even more, and the same may be said of the saw mills, of which there are 853. There are many in the Province capable of turning out nearly as much lumber in twelve months as all the mills did fifty years ago.

It is only within a few years that we have made much progress in manufactures of any kind. Whatever the hindrances were, judging from the numerous factories that are springing into existence all over the Dominion, they seem to have been removed, and capitalists are embarking their money in all kinds of manufacturing enterprises. There is no way, as far as I know, of getting at the value annually produced by our mills and factories, except from the Trade and Navigation Returns for 1880, and this only gives the exports, which are but a fraction of the grand total. Our woolen mills turned out last year upwards of $4,000,000, [Footnote: Monetary Times, December 17, 1881.] of which we exported $222,425. This does not include the produce of what are called custom mills. There are 224 foundries, 285 tanneries, 164 woollen mills, 74 carding and fulling mills, 137 cheese factories, 127 agricultural and implement factories, 92 breweries, 8 boot and shoe factories, 5 button factories, 1 barley mill, 2 carpet factories, 4 chemical works, 9 rope and twine factories, 9 cotton mills, 3 crockery kilns, 11 flax mills, 4 glass works, 11 glove factories, 7 glue factories, 9 hat factories, 12 knitting factories, 9 oatmeal mills, 9 organ factories, 10 piano factories, 25 paper mills, 4 rubber factories, 6 shoddy mills, 3 sugar refineries; making, with the flour and saw mills, 2,642. Besides these there are carriage, cabinet and other factories and shops, to the number of 3,848. The value of flour exported was $1,547,910; of sawn lumber, $4,137,062; of cheese, $1,199,973; of flax, $95,292; of oatmeal, $215,131; and of other manufactures, $1,100,605.

We may further illustrate the progress we have made by giving the estimated value of the trade in Toronto in 1880, taken from an interesting article on this subject which appeared in the Globe last January. The wholesale trade is placed at $30,650,000; produce, $23,000,000; a few leading factories, $1,770,000; live stock, local timber trade, coal, distilling and brewing, $8,910,000; in all, $64,330,000—a gross sum more than ten times greater than the value of the trade of the whole Province fifty years ago.

Another interesting feature in our growth is the rapid increase in the cities and towns. Some of these were not even laid out in 1830, and others hardly deserved the humble appellation of village. The difference will be more apparent by giving the population, as far as possible, then and in 1881, when the last census was taken, of a number of the principal places:—

1830. 1881.
Toronto 2,860 86,445
Kingston 3,587 14,093
Hamilton, including township 2,013 35,965
London, including township 2,415 ——
Brantford, laid out in 1830 —— 9,626
Guelph, including township 778 9,890
St. Catharines (Population in 1845, 3,000) —— ——
Ottawa contained 150 houses —— ——
Belleville, incorporated 1835 —— 9,516
Brockville 1,130 7,608
Napanee (Population in 1845, 500) —— 3,681
Cobourg —— 4,957
Port Hope —— 5,888
Peterboro', laid out in 1826 —— 6,815
Lindsay, " 1833 —— 5,081
Barrie, " 1832 —— ——
Ingersoll, " 1831 —— 4,322
Woodstock (Population in 1845, 1,085) —— 5,373
Chatham, settled in 1830 —— 7,881
Stratford, laid out in 1833 —— 8,240
Sarnia, laid out in 1833 —— 3,874

I hope the humble effort I have made to show what we Upper Canadians have done during the fifty years that are gone will induce some one better qualified to go over the same ground, and put it in a more attractive and effective shape. It is a period in our history which must ever demand attention, and although our Province had been settled for nearly half a century prior to 1830, it was not until after that date that men of intelligence began to look around them, and take an active interest in shaping the future of their country. There were many failures, but the practical sense of the people surmounted them, and pushed on. All were awake to the value of their heritage, and contributed their share to extend its influence; and so we have gone on breasting manfully political, commercial and other difficulties, but always advancing; and whatever may be said about the growth of other parts of America, figures will show that Canada is to the front. At the Provincial Exhibition in Ottawa, in 1879, the Governor of Vermont, in his address, stated (what we already knew), that Canada had outstripped the United States in rapidity of growth and development during recent years, and the Governors of Ohio and Maine endorsed the statement. We have a grand country, and I believe a grand future.

"Fair land of peace! to Britain's rule and throne
Adherent still, yet happier than alone,
And free as happy, and as brave as free,
Proud are thy children, justly proud of thee.
Few are the years that have sufficed to change
This whole broad land by transformation strange.
Once far and wide the unbroken forests spread
Their lonely waste, mysterious and dread—
Forest, whose echoes never had been stirred
By the sweet music of an English word;
Where only rang the red-browed hunter's yell,
And the wolf's howl through the dark sunless dell.
Now fruitful fields and waving orchard trees
Spread their rich treasures to the summer breeze.
Yonder, in queenly pride, a city stands,
Whence stately vessels speed to distant lands;
Here smiles a hamlet through embow'ring green,
And there the statelier village spires are seen;
Here by the brook-side clacks the noisy mill,
There the white homestead nestles on the hill;
The modest school-house here flings wide its door
To smiling crowds that seek its simple lore;
There Learning's statelier fane of massive walls
Wooes the young aspirant to classic halls,
And bids him in her hoarded treasure find
The gathered wealth of all earth's gifted minds."
—PAMELA S. VINING.

Since writing the foregoing, I accidentally came across The Canadas, &c., by Andrew Picken, published in London in 1832, a work which I had never previously met with. It is written principally for the benefit of persons intending to emigrate to Canada, and contains notices of the most important places in both Provinces. I have made the following extracts, thinking that they would prove interesting to those of my readers who wish to get a correct idea of our towns and villages fifty years ago.

"The largest and most populous of the towns in Upper Canada, and called the key to the Province, is Kingston, advantageously situated at the head of the St. Lawrence, and at the entrance of the great Lake Ontario. Its population is now about 5,500 souls; it is a military post of importance, as well as a naval depot, and from local position and advantages is well susceptible of fortification. It contains noble dockyards and conveniences for ship-building. Its bay affords, says Howison, so fine a harbour, that a vessel of one hundred and twenty guns can lie close to the quay, and the mercantile importance it has now attained as a commercial entrepot between Montreal below and the western settlements on the lakes above, may be inferred, among other things from the wharfs on the river and the many spacious and well-filled warehouses behind them, as well as the numerous stores and mercantile employes within the town. The streets are regularly formed upon the right-angular plan which is the favourite in the new settlements, but they are not paved; and though the houses are mostly built of limestone, inexhaustible quarries of which lie in the immediate vicinity of the town, and are of the greatest importance to it and the surrounding neighbourhood, there is nothing in the least degree remarkable or interesting in the appearance of either the streets or the buildings. The opening of the Rideau Canal there, which, with the intermediate lakes, forms a junction between the Ontario and other lakes above, the St. Lawrence below, and the Ottawa, opposite Hull, in its rear, with all the intervening districts and townships, will immensely increase the importance of this place; and its convenient hotels already afford comfortable accommodation to the host of travellers that are continually passing between the Upper and Lower Provinces, as well as to and from the States on the opposite side of the river.

"York is well situated on the north side of an excellent harbour on the lake. It contains the public buildings of the Province, viz., the House of Assembly, where the Provincial Parliament generally holds its sittings; the Government House; the Provincial Bank; a College; a Court House; a hall for the Law Society; a gaol; an Episcopal Church; a Baptist Chapel (Methodist); a Scots' Kirk; a Garrison near the town, with barracks for the troops usually stationed here, and a battery which protects the entrance of the harbour. Regularly laid out under survey, as usual, the streets of the town are spacious, the houses mostly built of wood, but many of them of brick and stone. The population amounts now to between four and five thousand.

"By-Town, situated on the southern bank of the Ottawa, a little below the Chaudiere Falls, and opposite to the flourishing Village of Hull, in Lower Canada, stands upon a bold eminence, surrounding the bay of the grand river, and occupies both banks of the canal, which here meets it. Laid out in the usual manner with streets crossing at right angles, the number of houses is already about 150, most of which are wood, and many built with much taste. Three stone barracks and a large and commodious hospital, built also of stone, stand conspicuous on the elevated banks of the bay; and the elegant residence of Colonel By, the commanding Royal Engineer of that station.

"The town-plot of Peterborough is in the northeast angle of the Township of Monaghan. It is laid out in half acres, the streets nearly at right angles with the river; park lots of nine acres each are reserved near the town. The patent fee on each is L8, Provincial currency, and office fees and agency will increase it 15s or 20s more.

"The settlement commenced in 1825, at which time it formed a depot of the emigration under Hon. P. Robinson. The situation is most favourable, being an elevated sandy plain, watered by a creek, which discharges into the river below the turn. The country round is fertile, and there is great water-power in the town-plot, on which mills are now being built by Government. These mills are on an extensive scale, being calculated to pack forty barrels of flour, and the saw-mill to cut 3,000 feet of boards per diem.

"The situation of Cobourg is healthy and pleasant. It stands immediately on the shore of Lake Ontario. In 1812, it had only one house; it now contains upwards of forty houses, an Episcopal church, a Methodist chapel, two good inns, four stores, a distillery, an extensive grist mill; and the population may be estimated at about 350 souls.

"The two projected towns of most consideration in this district (London district), however, are London-on-the-Thames, further inland, and Goderich, recently founded by the Canada Company, on Lake Huron. London is yet but inconsiderable, but from its position, in the heart of a fertile country, is likely to become of some importance hereafter, when the extreme wilds become more settled. The town is quite new, not containing above forty or fifty houses, all of bright boards and shingles. The streets and gardens full of black stumps &c. They were building a church, and had finished a handsome Gothic court-house, which must have been a costly work.

"Guelph. Much of this tract belongs to the Canada Company, who have built, nearly in its centre, the town of Guelph, upon a small river, called the Speed, a remote branch of the Ouse, or Grand River. This important and rapidly rising town, which is likely to become the capital of the district, was founded by Mr. Galt, for the Company, on St. George's day, 1827, and already contains between 100 and 200 houses, several shops, a handsome market house near the centre, a schoolhouse, a printing office, and 700 or 800 inhabitants.

"The Bay of Quinte settlement is the oldest in Upper Canada, and was begun at the close of the Revolutionary War. We crossed over the mouth of the River Trent, which flows from the Rice Lake, and it is said can be made practicable for steamboats, though at much expense; thence to Belleville, a neat village of recent date, but evidently addicted too much to lumbering.

"Brockville is a most thriving new town, with several handsome stone houses, churches, court-house, &c., and about 1,500 souls."