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| 正面描述 | Central intaglio vignette of two female allegorical figures seated together, one holding a rake and the other a bunch of grapes, symbolising agriculture and abundance. Ornate numeral "5" counters occupy each corner, with red guilloche rosettes at left and right bearing the digit "5", while a border of repeated "FIVE" lettering runs along the top and bottom edges. The bank name and promise-to-pay text are set in bold letterpress across the lower central field, with a large red underprint of "FIVE" spanning the full width of the note. |
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| 正面铭文 | 5 5 5 5 The President, Directors and Company of 5 The Hagerstown Bank 5 Will pay FIVE DOLLARS on demand to bearer. 18__ HAGERSTOWN M.ᴰ __________Cash.ʳ ___________Pres.ᵗ 5 Danforth, Underwood & Co. New York Underwood, Bald, Spencer & Hufty, 5 Philad.a |
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Hagerstown Bank was chartered in Maryland in 1807, making it one of the older surviving state bank issuers still producing notes into the late nineteenth century. The dual printer credit — Danforth, Underwood & Co. and Underwood, Bald, Spencer & Hufty — reflects a transitional period in American bank note engraving when firms reorganized frequently, often reusing existing plate work under a new imprint rather than commissioning fresh designs.
Maryland state banks continued issuing their own notes long after the National Banking Acts of 1863–64 effectively taxed most state currency out of existence — a quirk worth noting when dating examples within this series' unusually wide span.