Michael,
I remember something on Joseph Dorfman's Economic Mind in American Civ.
about putting the depositors in jail for the crime of "hoarding." Murray
N. Rothbard has a colonial history of the U.S. where he sides with the
depositors against the fraudulent bankers who cheat and hold fractional
reserves.
Perhaps Professor Barber knows of a good source. I would be surprised if
Samuel Hollander did not know the answer.
Good luck on this research.
L. Moss