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