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10 Cents Lyons Bank
| Issuer | Lyons Bank |
|---|---|
| Year | 1862 |
| Type | Local banknote |
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| Obverse description | At left, a large vignette of a classical allegorical female figure accompanied by a cherub; at center, a pastoral vignette of two men plowing a field with a horse. Two small circular guilloche rosettes each bearing the numeral 10 flank the central vignette, with a larger circular guilloche medallion also bearing the numeral 10; at bottom, two small green whimsical circular ornaments. |
|---|---|
| Obverse lettering | LYONS, NY July 15th, 1862 LYONS BANK PAY TO THE BEARER TEN CENTS on demand in current Bank Notes when presented in sums of One or more Dollars. No.____________ Lith of Henry Seibert & Bros 93 Fulton St NY |
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| Comments |
Lyons Bank was a small state-chartered institution in Lyons, New York — one of hundreds of minor banks operating under New York's Free Banking Act of 1838, which allowed virtually any group meeting the bond-deposit requirement to issue their own paper currency. By 1862, these small-denomination notes were filling a real gap: the outbreak of the Civil War had driven silver and copper coinage almost entirely out of circulation as hoarding accelerated.
Henry Seibert & Bros. operated out of New York City and handled a substantial volume of work for smaller upstate banks during this period. The Kappen reference places this firmly in the obsolete banknote literature for Wayne County issues.