Frank M. Howard, banker; born, Washtenaw Co., Mich., May 23, 1840; son of Martin and Julia Howard; educated in district school Washtenaw, Co.; widower. Engaged for several years in lumber business in California; returned to Ann Arbor, Mich., and entered manufacture of farm implements; has devoted his attention mainly to banking interest since 1880 and is identified with the First National Bank and State Savings Bank, Ann Arbor, and the Penisular Savings Bank, Detroit. Member of Knights of Columbus. Office: 210 1st St., W. Residence: 44 Hazelwood Av.