nttn gmuxuntt ffiomgangr FIRE, LIFE, Tnd" ANNUITIES- HEAD OFFICES FOR SCOTLAND— 4 NATIONAL BANK BUILDINGS, QUEEN STREET, GLASGOW. Glasgow Board of Directors. Chairi^ian—ANDREW GALBRAITH, Esq., Merchant, Glasgow. Deputy Chairman—JAMES MORTON, Esq., Iron Merchant, Greenock. Frank Baird, Esq., Messrs. Hugh Baird & Co., Brewers. William Connal, Esq., Messrs. Connal & Co., Merchants. Richard S. Cunliff, Esq., Engineer. Alexander Dick, Esq., Messrs. Dick & Stevenson, Writers. Walter M'Lellan, Esq., Messrs. P. & W. M'Lellan, Clutha Ironworks. Adam Paterson, Esq., LL.D., Dean of the Faculty of Procurators. Morris Pollok, Esq., Silk Factory, Govan. R. D. RoBERTON, Esq., Messrs. Robert Cowan & Co., Grain Merchants. Stewart Softer Robertson, Esq., Yr., of Lawhead. William Wotherspoon, Esq., of Castlehead, Paisley. Resident Scottish Managers—MITCHELL, WATSON, & WINK, Chartered Accountants and Stockbrokers, Glasgow. Resident Secretary—DAVID L. LAIDLAW, Glasgow. In point of SECURITY, it is believed that Queen" Policies are unsurpassed. The Authorised Capital is . £2,000,000 The Subscribed Capital, 1,789,000 The Paid-up Capital, 179,800 The Life Accumulation Fund, 129,132 The Fire Reserve Fund, 90,000 New Life Business, First Quinquennium, 718,385 Do. Second do. 1,422,466 Annual Income, over £240,000. PREMIUMS FOR THE ASSURANCE OF £100 ON A SINGLE LIFE FOR THE WHOLE TERM. j WITH PROFITS. WITHOUT PROFITS. | HALF- QUAR- HALF- QUAR- age. ANNUAL. AGE. ANNUAL. YEARLY. TERLY. YEARLY. TERLY. 20 £1 18 10 £0 19 11 £0 10 2 20 £1 12 7 £0 16 8 £0 8 7 25 2 3 9 1 2 5 11 6 25 1 16 10 18 11 9 8 30 2 9 4 1 5 4 12 11 30 2 2 2 1 1 7 11 1 35 2 16 1 8 9 14 9 35 2 8 10 1 5 12 10 40 3 5 1 13 4 17 1 40 2 17 7 1 9 6 15 1 45 3 14 3 1 18 1 19 6 45 3 9 3 1 15 6 18 2 50 4 9 2 5 8 1 3 4 50 4 2 2 2 1 1 6 55 5 10 2 16 5 1 8 11 55 5 2 4 2 12 5 1 6 11 60 6 17 9 1 2 1 15 3 10 7 16 2 1 60 6 13 3 8 3 The Company transacts all kinds of Home and Foreign Fire and Life Insurance Business, Annuities, Endowments, Reversions, &c., on the most favourable terms. Losses Settled with Promptitude and Liberality. Agents in Kilmarnock: HUMPHREY STEVENSON & SON, Yarn Merchants- — MUTUAL LIFE ASSURANCE. THE SCOTTISH PROVIDENT INSTITUTION, No. 6 ST. ANDREW SQUARE, EDINBURGH. THE TERMS of this Institution are specially adapted to the case of Family Settlements, where it is important to secure a competent provision of definite amount from the first, at the smallest present outlay. It is the only Office in which the advantages of Mutual Assurance can be obtained in combination with Moderate Premiums. Instead of charging rates admittedly higher than are necessary, and afterwards returning the excess, or a portion of it, in the shape of periodical Bonuses, it gives, from the first, as large an assurance as the Premiums will with perfect safety bear, reserving the Whole Surplus for those Members who have lived long enough to secure the common Fund from loss on account of their individual assurances. A Pohcy for £1200 to £1250, with prospect of considerable addi- tions to those who come to share in the reserved Profits, may thus, at most ages, be had for the Premium elsewhere charged to assure £1000 only. Policies for £1000 have already been increased to £1400, £1600, and even to £1800. FINANCIAL PROGRESS AND POSITION. Yaluable information as to the Financial Progress and Position of the various Offices, may be obtained from the " Life Insurance Chart," compiled from official documents. On the facts there shown, no Office gives evidence of greater progress and stability than the Scottish Provident Institution. In regard to Accumulated Funds, which now exceed £1,850,000 the comparison is especially gratifying. Notwithstanding its low rates, no Office of equal age has so large a Fund, or shows so large an increase from year to year. For some time the increase has been at the rate of £130,000 a-year, Copies of the Annual Report and full information will he sent on application. Edinburgh, Dec. 1871. JAMES WATSON, Manager. Agents in Kilmarnock: F. J. TURNER, The Dean. A. MILLAR, Commercial Bank of Scotland. ^.vvitjf^ //U//Ctii< National Library of Scotland ^8000261880' : ; POST OFFICE KILMARNOCK DIRECTORY, FOR 1872. ARKANGED IN THREE DIVISIONS, GENERAL, STREET, AND COMMERCIAL TO WHICH IS ADDED, A. DIRECTORY OF THE NEIGHBOURHOOD AND SURROUNDING VILLAGES, WITH AN APPENDIX CONTAINING GENERAL AND LOCAL INFORMATION. Edited by JAMES DICKIE, Chief Clbbk, Post Office, KILMARNOCK PRINTED BY JAMES M'KIE, 2 KING STREET. MDCCCLXXII. PRICE TWO SHILLINGS AND SIXPENCE. .'»<' '^- ^, V'jo 4 f^M, Q^ PEEFACE. The Publishers of the Post Office Kilmarnock Directory have to apologise to their Subscribers for the delay which has taken place in its pubHcation. This has chiefly arisen from the considerable amount of new information furnished, both for town and country. The Publishers hope that any inconvenience or annoyance caused by the delay, will be more than made up for by the extra information given, and that the result of their labours, on the whole, may meet the approval of their Subscribers, and the commercial public in general. They have also to express their thanks to the many friends who have kindly furnished them with information. The PubKshers would also beg to announce that it is their intention to publish the Directory every Two years in future, should they receive sufficient encouragement. As the Directory has now been wrought into form (after the model of the Glasgow Directory), the Publishers hope that their efforts to meet, by a regular publication of their book, a want long felt in Kilmarnock, will be rewarded by an increased number of Subscribers and Advertisers. Post Office, Kilmarnock, 1st May, 1872. Digitized by the Internet Archive in 2010 with funding from National Library of Scotland http://www.archive.org/details/postofficekilmar1872kilm LIST OF NAMES AND ADDRESSES, ALSO CHANGES IN ADDRESSES, RECEIVED TOO LATE FOR INSERTION IN THEIR PROPER PLACES. Adamson, Alexander, architect, Rosefield Cottage, Thomson street. Alexander, John, eating house, 16 Waterloo street. Allan, James, Park lane. Allan, Marion, grocer, 26 High street, instead of 21. Barbour, Thomas (of Portland Forge Co.) ; house address changed to Portland road. Black, F. M., teacher ; house address changed to Deanbank, Beansburn. Blackwood, John, spirit merchant, 22 Duke street. Borland, John, M.D. ; house address changed to 42 Bank street. Boyd, A., musicseller; house address changed to Springvale, Dundonald rd. Boyd, Miss, tailoress, 1 Wellington street. Boyle, Robert, spirit merchant, 21 Fore street. Brown, Rev. Alexander, minister. King street U.P. Church ; house. Miss Garven's, South Hamilton street. Brown, John, saddler, 3 King street and Corn Exchange buildings; house address changed to 15 Back lane. Calderwood, Andrew, spirit merchant, 8 Fore street. Chapman, Charles S., telegraph clerk, post office ; house, 46 Park street. Craig, Robert (of J. Craig & Son, cabinet makers) ; house address changed to 43 Portland street. Cunningham, John, spirit merchant, 19 St. Marnock street. Drennan, WiUiam, 3 Titchfield street. street. Duff, Wilham, clothier ; house address changed to 19 Bank Dunlop, William, spirit merchant, 45 Strand street. Equitable Co-operative Society, 57 Portland street, instead of 47. road. Ferguson, Adam, grocer ; house address changed to Dundonald Foster & Boyd, bonnet manufacturers, 3 Union street. Frame, Andrew, manager to Wm. Creelman & Co.; house, Clark terrace. Gardner, Henry & Son, bonnet manufacturers, removed to Dundonald rd, Goudie, John, clerk, post office ; house, Hurlford. Guthrie, George H.; house address changed to Dean Cottage, Beansburn. Hamilton, John, innkeeper, removed to 8 Portland street. Hill street. Irvine, Robert, bookseller ; house address changed to 35 VI NAMES TOO LATE FOR INSERTION IN THEIR PROPER PLACES. James, Rev. George F., minister, Portland road U.P. Church; house, Dundonald road. Kellie, John, hide merchant, &c.; house address changed to Bowring pi. Kennedy, Thomas, jun. (of Kennedy & Co.) ; house address changed to Dundonald road. Maclachlan, Rev. Ivie M.—improperly entered as "M'Lachlan." Marr, G. J. N., society agent, removed to 90 Portland street. Milne, John, draper ; house address changed to 30 Langlands street. Moncur, J., cashier, Portland Ironworks, Hurlford. Munn, Robert, Wheat-sheaf Inn, Croft street. Murchie & Taylor, clothiers, 54 King street. Murray, Rev. James L., minister. Princes street U.P. Church ; house, 38 St. Andrew street. Murray, Thomas, Graindealer, 35 Bentinck street. M'Call, William, entered as of the Firm of A. L. Clark & Co., retired from said Firm ; now, boot and shoe merchant, 39 Portland street. M'Crone, James, spirit merchant. Commercial Hotel. M'Culloch, David (of T. M'Culloch & Sons); house, North Hamilton st. M'Latchie, John, grocer, 21 High street. Parker Hugh, removed from 10 India street to Green House, Green street. Parker, Robert, confectioner, &c., 56 Portland street. Quails, David, spirit merchant, 57 Fore street. Ramsay, William, builder ; house address changed to Portland road. Rankin, James, jeweller ; house address changed to 14 Portland terrace. Rayner, John, Excise-officer, house address changed to 35 Clark street. Rodger, James, clerk ; house address changed to Richardland Brewery. Smith, James, tobacconist (late R. Grieve & Son), 24 Portland street. Stevenson, James P. (of Torrance & Stevenson, sohcitors) ; house address changed to Dean terrace. Stevenson, J., auctioneer, &c.; house address changed to 1 Portland ter. Stevenson, George, spirit merchant. Low Glencairn street. Tierney, Patrick, spirit merchant, 20 Bank street. Torrance & Stevenson, solicitors, removed from 87 to 99 King street. Torrance, A., Busby's Cottage, Witch road.