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The effect of the '.Treasury Circular" as is termed, Tn this State, is altogether disastrous and runous ry view that be taken oft. Our Bank in Memphis is the only in the State that Is doing any business either by discount buying exchanges and it's business is very limited. Everything in the Banking way is a- most erushed-suspended at least; it's injurious effects are everywhere felt by the farmer as well inc chant. Much credit is due the Memphis Bank for the indulgence it affords its creditors this unprecedented pressure," by granting facilities for hafthe amount due if reqnired with fresh paper and responsibilities We understand no bank in the State Is even doing his

 Memphis Iaq.