He who labors hard for his daily earnings and strives still harder to save and lay up a pittance of his cash knows, as no one else, the value of safety in a bank. One of the most conservative bankers in the Lehigh Valley is the Cashier of the National Bank of Catasauqua. Frank M. Horn is the third son of Colonel Melchior M. Horn and his wife Matilda M., nee Heller, and was born at Catasauqua, October 16, 1852. He was educated in the Borough schools and was a member of the first class that received diplomas at the hands of the Catasauqua School authorities. Mr. Horn began his banking experience as a clerk immediately after he left school. He was soon promoted to the position of H bookkeeper, then assistant cashier and finally cashier. For a few years he was President of the bank, but his services were found much more valuable as a cashier and for this reason he consented to return to his desk. He was a member of Company I. of the Fourth Regiment of the Pennsylvania Volunteers, who passed through the riots in the Reading Cut in 1877. On January 18, 1882, he married Miss Lizzie F. Williams, daughter of John and Emma Caroline, nee Heilig, Williams. Their children are Melchior Hay Horn; Emma Williams, now Mrs. Cornelius Van Inwegen of New York City; and the Misses Susan and Eleanor Traill Horn.

Socially, Mr. Horn is a member of the Porter Lodge F. and A. M., the Catasauqua and Charotin Clubs of Catasauqua; the Livingston of Allentown; and the Lehigh Country Club. He belongs to the Allen Commandery of Allentown and is a Noble of Rajah Temple of Reading, Pa.