Article provides documentation of personal experiences from those living in Indian Territory during the Civil War to illustrate its disastrous effects on the lives of individual citizens.

Article describes the life and priesthood of Belgian bishop Theophile Meerschaert, who took up a ministry representing the Catholic Church in the Indian and Oklahoma Territories. James D. White includes correspondence and documentation from Meerschaert and those around him in this biographical narrative.

Article examines the decline of services in small-town Oklahoma using results of a study of four commercial centers: Caddo, Wapanucka, Calera, and Bromide. Brian L. Schulz introduces some programs that may help revitalize these rural areas.

Article discusses the success and failures of Oklahoma's Bank Guarantee Law and its Bank Guarantee Fund throughout the years after its establishment in 1907. Norbert R. Mahnken examines the factors that contributed to the law's creation and the eventual collapse of the system.

For the Record section including the minutes of the quarterly board meeting of the Board of Directors of the Oklahoma Historical Society that was held on October 28, 1992.