Dr Henry Duncan the distinguished founder of Savings' Banks, and the promoter of various schemes of social economy, we are enabled to record among the contributors to Caledonian minstrelsy. He was descended through both parents from a succession of respectable clergymen of the Scottish Church. His father George Duncan, was minister of Lochrutton in the stewartry of Kircudbright, and the subject of this memoir was born in the manse of that parish, on the 8th October 1774. After a period of training at home under a private tutor, he was sent to the Academy of Dumfries to complete his preparation for the University. At the age of fourteen, he entered as a student the United College of St Andrews, but after an attendance of two years at that seat of learning, he was induced, on the invitation of his relative Dr Currie, to proceed to Liverpool, there to prepare himself for a mercantile profession, by occupying a situation in the banking office of Messrs Heywood. After a trial of three years, he found the avocations of business decidedly uncongenial, and firmly resolved to follow the profession of his progenitors, by studying for the ministry of the Church of Scotland. He had already afforded evidence of ability to grapple with questions of controversial theology, by printing a tract against the errors of Socinianism, which, published anonymously, attracted in the city of Liverpool much attention from the originality with which the usual arguments were illustrated and enforced. Of the concluding five years of his academical course, the first and two last were spent at the University of Edinburgh, the other two at that of Glasgow. In 1797, he was enrolled as a member of the Speculative Society of the University of Edinburgh, and there took his turn in debate with Henry Brougham, Francis Horner, Lord Henry Petty afterwards Marquis of Lansdowne, and other young men of genius, who then adorned the academic halls of the Scottish capital. With John Leyden, W. Gillespie afterwards minister of Kells, and Robert Lundie the future minister of Kelso, he formed habits of particular intimacy. From the Presbytery of Dumfries, he obtained licence as a probationer in the spring of 1798, and he thereafter accepted the situation of tutor in the family of Colonel Erskine afterwards Earl of Mar, who then resided at Dalhonzie, near Crieff. In this post he distinguished himself by inducing the inhabitants of the district to take up arms in the defence of the country, during the excitement, which then prevailed respecting an invasion. In the spring of 1799, the parishes of Lochmaben and Ruthwell, both in the gift of the Earl of Mansfield, became simultaneously vacant, and the choice of them was accorded to Mr Duncan by the noble patron. He preferred Ruthwell, and was ordained to the charge of that parish, on the 19th September.

In preferring the parish of Ruthwell to the better position and wider field of ministerial usefulness presented at Lochmaben, Mr Duncan was influenced by the consideration, that the population of the former parish was such as would enable him to extend the pastoral superintendence to every individual of his flock. In this respect he realised his wishes; but not content with efficiently discharging the more sacred duties of a parochial clergyman, he sought with devoted assiduity, the amelioration of the physical condition of his people. Relieving an immediate destitution in the parish, by a supply of Indian corn brought on his own adventure, he was led to devise means of preventing the recurrence of any similar period of depression. With this intention, he established two friendly societies in the place, and afterwards a local bank for the savings of the industrious. The latter proved the parent of those admirable institutions for the working classes, known as Savings' Banks, which have since become so numerous throughout Europe and the United States of America. The Ruthwell Savings' Bank was established in 1810. Numerous difficulties attended the early operation of the system, on its general adoption throughout the country, but these were obviated and removed by the skill and promptitude of the ingenious projector. At one period his correspondence on the subject cost him in postages an annual expenditure of one hundred pounds, a sum nearly equal to half the yearly emoluments of his parochial cure. The Act of Parliament establishing Savings' Banks in Scotland, which was passed in July 1819, was procured through his indomitable exertions, and likewise the Act of 1835, providing for the better regulation of these institutions.

At Ruthwell, Dr Duncan introduced the system of popular lectures on science, which has since been adopted by Mechanics' Institutes. Further to extend the benefits of popular instruction and entertainment, he edited a series of tracts entitled "The Scottish Cheap Repository," one of the first of those periodicals devoted to the moral improvement of the people. A narrative designated "The Cottager's Fireside," which he originally contributed to this series, was afterwards published separately, and commanded a wide circulation. In 1809, Dr Duncan originated the Dumfries and Galloway Courier, a weekly newspaper which he conducted during the first seven years of its existence. He was a frequent contributor to "The Christian Instructor," and wrote the articles "Blair" and "Blacklock" for the Edinburgh EncyclopÆdia. At the request of Lord Brougham, he composed two treatises on Savings' Banks and Friendly Societies, for publication by the "Society for the Diffusion of Useful Knowledge." In 1819, he published the "Young Country Weaver," a tale calculated to disseminate just political views among the manufacturing classes; and in 1826 a tale of the times of the Covenant in three volumes, with the title of "William Douglas, or the Scottish Exiles." Deeply interested in the question of Slave Emancipation, he contributed a series of letters on the subject to the Dumfries Courier, which, afterwards published in the form of a pamphlet, excited no inconsiderable attention. His most valuable and successful publication, the "Sacred Philosophy of the Seasons" appeared in 1836-7 in four duodecimo volumes.

As a man of science, the name of Dr Duncan is associated with the discovery of footprints of four-footed animals in the New Red-Sandstone. He made this curious geological discovery in a quarry at Corncocklemuir, about fifteen miles distant from his parochial manse. In 1823, he received the degree of D.D. from the University of St Andrews. In 1839, he was raised to the Moderator's chair in the General Assembly. In church politics, he had early espoused liberal opinions; at the Disruption in 1843, he resigned his charge and united himself to the Free Church. He continued to minister in the parish of Ruthwell, till the appointment of an assistant and successor a short time before his decease. Revisiting the scene of his ministerial labours after a brief absence, he was struck with paralysis while conducting service at a prayer-meeting, and two days afterwards expired. He died at Comlongon, the residence of his brother-in-law Mr Phillips, on the 12th February 1846, and his remains were committed to the church-yard of Ruthwell, in which he had ministered during an incumbency of upwards of forty-six years.

Dr Duncan was twice married; first in 1804, to Miss Craig, the only surviving daughter of his predecessor, and secondly in 1836, to Mrs Lundie, the relict of his friend Mr Lundie, minister of Kelso. His memoirs have been published by his son, the Rev. George John C. Duncan, minister of the Free Church, Greenwich. A man of fine intellect, extensive and varied scholarship, and highly benevolent dispositions, Dr Duncan was much cherished and beloved alike by his parishioners and his gifted contemporaries. Pious and exemplary as became his profession, he was expert in business, and was largely endowed with an inventive genius. Though hitherto scarcely known as a poet, he wrote verses so early as his eleventh year, which are described by his biographer as having "evinced a maturity of taste, a refinement of thought, and an ease of diction which astonished and delighted his friends," and the specimens of his more mature lyrical compositions, which we have been privileged to publish from his MSS. are such as to induce some regret that they were not sooner given to the public.

CURLING SONG.

ON THE GREEN SWARD.[88]

Tune—"Arniston House."

THE RUTHWELL VOLUNTEERS.[89]