THE WESTCHESTER TRUST COMPANY 32 WARBURTON AVENUE. Capital, $200,000.        Surplus, $100,000 Officers: President, JOHN HOAG. Vice–Presidents, FRANCIS M. CARPENTER and HOWARD WILLETS. Secretary, CHARLES P. MARSDEN. Directors: AMZI L. BARBER. EDSON LEWIS. MOSES TAYLOR. RICHARD H. BURDSALL. ISAAC W. MACLAY. HOWARD WILLETS. FRANCIS M. CARPENTER.         DANIEL S. REMSEN.         JOHN E. BORNE. EDWARD F. HILL. HENRY SIDENBERG. LOUIS STERN. JOHN HOAG. WILLIAM SLOANE. ROBERT B. VAN CORTLANDT R. P. LOUNSBERRY.