The story.
Windsor, Vermont. A counting house, then a charter.
Before there was a bank there was a counting house on Main Street in Windsor, where the Connecticut River trade was settled in coin and in credit. Elias Gardner kept it. He bought and sold what came up the river and lent against what went down, and the ledger he kept for himself became, without anyone deciding it, the ledger for the town.
Samuel Ripley ran the river. His flatboats carried Windsor's wool and lumber to Hartford and came back with iron, salt and drafts on Boston houses, and he understood before the others that a draft honored in Windsor was worth more than the goods it paid for. Josiah Hale was the lawyer who wrote the charter, walked it to the General Assembly, and argued it through. In 1818 the three names went over the door.
The town became the seat of the precision-toolmaking trade a generation later, and the house lent into the armory and the machine shops when nobody else on the river would. It has been lending into things that are made carefully ever since. The bank still keeps accounts at the same address.
The date on every mark is 1818, the year of the charter. Nothing before it is dated.