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Warsaw in Gallatin County, Kentucky — The American South (East South Central)
 

Warsaw Deposit Bank

1860

 
 
Warsaw Deposit Bank Marker image. Click for full size.
Photographed by Duane and Tracy Marsteller, April 30, 2023
1. Warsaw Deposit Bank Marker
Inscription.
is a contributing property to the
Warsaw Historic District
listed in the
National Register
of Historic Places

by the United States
Department of the Interior

 
Erected by Warsaw Renaissance on Main Committee.
 
Topics. This historical marker is listed in these topic lists: ArchitectureIndustry & Commerce. A significant historical year for this entry is 1860.
 
Location. 38° 47.055′ N, 84° 54.16′ W. Marker is in Warsaw, Kentucky, in Gallatin County. It is at the intersection of West High Street and Main Cross Street, on the right when traveling west on West High Street. Touch for map. Marker is at or near this postal address: 100 W High St, Warsaw KY 41095, United States of America. Touch for directions.

Regionally, this marker is in Kentucky’s Outer Bluegrass. It is also in the American South, specifically in the Upper South, and in the Ohio River Valley. Globally, it is in North America, the Western Hemisphere, the Western World, and the Anglosphere. Historically, it finds itself in what was once the territory of the Mississippian Culture and also the Antebellum South.

Other nearby markers. At least 8 other markers are within walking distance of this marker: Craig House (a few steps from this marker); Henry Yates House (within shouting distance of this marker); Gallatin County Courthouse (within shouting distance of this marker); Gallatin County War Memorial (within shouting distance of this marker); County Named, 1798 (about 300 feet away, measured in a direct line); Governor From Warsaw (about 300 feet away); The Gutting House (about 300 feet away); White Store Building (about 300 feet away). Touch for a list and map of all markers in Warsaw.
 
Also see . . .
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 Warsaw Historic District. National Register nomination for the historic district (PDF) and photographs (separate PDF) which was listed in 1982. (National Park Service) It was prepared by Robert M. Polsgrove assisted by Rita Bryan. This specific building is not explicitly discussed in the nomination form. Excerpt:
The town of Warsaw is one of the best preserved nineteenth century Ohio River towns in Kentucky. It can also be said to compare favorably with other better known central Kentucky towns such as Midway and Millersburg which are known for their 19th century appearance. Add a few picket fences and Warsaw becomes a Tom Sawyer locale because the Warsaw of 1880 survives with no changes in the town plan and few changes in its buildings. Good examples of all 19th century architectural styles are to be found in the Warsaw Historic District.

Fredericksburg, as Warsaw was first called, was founded by Robert Johnson in 1800 and platted by Henry Yates in 1812. Gallatin was one of the early Kentucky counties to be formed — it dates from 1798 — but it did not assume its present configuration until 1838 when Carroll County was formed. The first county seat of the original county was Port Williams, which was renamed Carrollton and became the seat of Carroll County. Fredericksburg, which had been renamed Warsaw in 1831, became the seat of the
Warsaw Deposit Bank Marker image. Click for full size.
Photographed by Duane and Tracy Marsteller, April 30, 2023
2. Warsaw Deposit Bank Marker
small remnant of the original county. Its population in 1840 was 4003, which was comparable in density to the region. Gallatin simply had a very small area — 100 square miles.

Warsaw has served as the governmental and commercial center of Gallatin County throughout the history of the county. Until the coming of the railroad, Warsaw also served as the transportation center due to its location on the Ohio River. But when the Short Line Railroad connecting Cincinnati and Louisville was completed in 1869 ten miles south of Warsaw, the community lost its opportunity to become an integral part of the emerging industrial economy. Plans were laid for building a branch line connecting Warsaw to the main line but these plans were never realized. Lacking railroad facilities, Warsaw failed to attract industry and was unable to compete with Carrollton and other communities as a processing center for agricultural products or as a regional wholesale center.
(Submitted on May 9, 2023, by Duane and Tracy Marsteller of Murfreesboro, Tennessee.) 
 
Additional commentary.
1. Notes Regarding the Warsaw Deposit Bank
The Kentucky legislature chartered the bank on Feb 5, 1866 and extended the charter by another 30 years on March 28 1884.

Site of the Civil War skirmish called the “Battle of Warsaw” in 1860 (Gallatin
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County Historical Society dates the skirmish to Sept 25, 1861). Confederates broke into basement of building that now is One West High [which another source also confirms was at that location] to steal weapons; surprised by Federals.

The Warsaw Independent, January 22, 1898 ... claims Warsaw Deposit bank opened May 15, 1875

Northern Kentucky Views claims this is the Gallatin County Deposit Bank at this reference with this picture of the 1937 Flood.

Soooo .... did Warsaw Deposit change name to Gallatin Co Deposit? Are they separate banks (seems unlikely, given the building)? What about newspaper claim Warsaw Deposit began in 1875 (seems to contradict state laws); and was there really a Civil War fight there? Note To Editor only visible by Contributor and editor    
    — Submitted September 5, 2023, by Duane and Tracy Marsteller of Murfreesboro, Tennessee.
 
 
Credits. This page was last revised on September 5, 2023. It was originally submitted on May 9, 2023, by Duane and Tracy Marsteller of Murfreesboro, Tennessee. This page has been viewed 217 times since then and 17 times this year. Photos:   1, 2. submitted on May 9, 2023, by Duane and Tracy Marsteller of Murfreesboro, Tennessee. • J. J. Prats was the editor who published this page.
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Jun. 10, 2026