Charles Quarles Chandler, at 24, took over the Citizens National Bank in 1888. Save
  for a brief periond, he ran the bank until 1905. The bank was changed to a state bank
  in 1889 - the Citizens State Bank.
     The original First National Bank at Medicine Lodge was not propering and wanted to
  sell out, and it was absorbed by the Citizens State. In 1920 the name was changed to
  the present First National Bank and subsequently sold to Luther Fullerton and L.W.
  Stevens.
     In his memoirs, Chandler relates, "In the fall of 1893 the Cherokee strip, so-
  called Indian land was opened for settlement. This embraced all of Western Oklahoma.
  This year was almost a total failure of crops in Western Kansas. Hundreds and thou-
  sands of farmers were bankrupt. Many went to Oklahoma towns like Alva, Woodward, and
  others which were made up largely of Kansas people. This left the population of Barber
  County very small and times were indeed hard. Land values went to nothing and city
  property the same way."
     That year he bought the property adjoining the First National Bank building for
  $1000. Collecting accrued rent, his real cost was $700.
     A memo states, "In the summer of 1895 (I think), the family of E.F. Thayer, came
  from Iola to spend the summer on the farm of Dr. E.P. Miller (who was an uncle of
  Mrs. Thayer), about two miles west of Medicine Lodge.
     This meeting resulted in his marriage to Olice Frances Thayer in 1898. Three of
  their children, Margaret, Charles, andWilliam were born while they lived in Medicine
  Lodge.
     The family lived at the northwest corner of Cherry and Lincoln streets. In 1904
  William Chandler and Rubert G. Martin were born across the street from each other.
  The two men eventualy settled in Lyons, Kansas, and until William's death in early
  1979 were steadfast friends.
     In 1898 the wet-dry issue arose. Should the prohibition law be enforced or violated?
  An election was held and the wets won. On July 4, Put Hill, backed by prominent
  businessmen, was designated to open a saloon"...in the upstairs of the building known
  as the Cook block." A large supply of beer came in from Oklahoma and throngs poured in.
     C.Q., an ardent prohibitionist, went up and ordered some beer, but Hill would not
  sell. Chandler swore out a warrant, had Hill arrested, and the sheriff destroyed the
  beer. The supplier was never paid, but after the affair, Hill and Chandler remained
  good friends.
     Chandler had extensive interests in various Kansas banks and subsequent holdings
  in Oklahoma, Texas, and Colorado.
     In 1900 he purchased with others, the Kansas National Bank in Wichita. The bank
  was consolidated with the National Bank of Commerce in 1920 and became the present
  First National Bank in Wichita.
     The operation of both banks while living in Medicine Lodge presented communications
  problems, requiring considerable time in traveling and long distance phone calls.
  Shortly afterward, feeling that his phone expense was excessive, he purchased the
  local telephone exchange, temporarily solving the problem.
     Roads were poor, but he purchased the first automobile in Medicine Lodge. This
  didn't endear him to many people because it frightened their horses. He also had the
  first bathtub, so the story goes.
     Finally, in 1905, he concluded he could not operate both banks and pursue his 
  interests elsewhere while living in Medicine Lodge. He moved his headquarters to the
  Wichita bank and made his home there until his death in 1943.
                
     Source:Chosen Land - Barber County, Kansas,  pg. 127