Biographical Sketch of J. F. Waters - Andrew County, Missouri

>From "History of Missouri, Andrew & DeKalb County" Published 1888

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Transcribed by: Penny Harrell (Incog3678@aol.com)

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J. F. Waters, the subject of this sketch, is one of the leading
citizens of Savannah and cashier of the Farmers' Bank of Andrew
County, MO.  He was born in Ashtabula County, OH., in 1845, and 
is the son of Lewis and Francis (Sappington) Waters, the former
being a native of New York and the latter of Missouri.  The 
mother died in 1884, and the father now resides in Orwell, Ohio.
Our subject was reared on the farm in Ohio.  He attended the 
public schools, finishing his education at Eastman's Business
College at Poughkeepsie, N. Y.  At the age of seventeen years 
he went to Goshen, IN., where he clerked in a wholesale and
retail leather store of $13.50 per month.  In 1863 he entered
the United States quartermaster department at Chattanooga, TN.,
receiving the first goods shipped to that point after the 
establishment of a depot there for the Army of the Cumberland.
He filled various positions from assistant receiving clerk to
military storekeeper, being on duty at the depot for eighteen
months.  He next went to Nashville, TN., where he was on duty
at the cavalry depot until the close of the war.  He moved to
Missouri in 1868, locating at Springfield.  He removed to 
Savannah in the spring of 1873, and upon the death of Mr. Childs,
cashier of the Farmers' Bank, took the position of the deceased,
which he held until February, 1881, when he was elcted cashier.
He began dealing in cattle in 1874, and is at present operating
in Tom Green County, TX., where he owns a private ranch with
4,000 head of cattle.  He is president of the Waters' Cattle
Company of Arizona, which he organized.  In 1871 he was joined
in marriage to Fanny M. Newell, of Ashtabula County, Ohio.  
They have five children.  Mr. and Mrs. Waters are members of the
Presbyterian Church.