Joseph Loy, son of Adam, was born Oct. 25, 1828. in Albany township, and he lived there until he became sixteen years old, then went to Windsor township, where he bought and carried on: a plantation. He was a wheelwright by trade and did much work for the farmers of that community. His retiring years he is spending with his son: Walter S. His wife. Catharine Smith, died Dec. 29, 1905, in her 81st year.