Balfour, Thomas Waitt, Land and Commission Agent, Shakespeare Road, Napier. Mr. Balfour is agent for the Royal Insurance Company, and auditor for the Hawke's Bay Farmers' Association, Napier Gas Company, and other large private institutions in Napier. He was born in the year 1842, in Roxburghshire, Scotland, where he was educated. Mr. Balfour began his career in the Banking Corporation of the British Limen Company, and at nineteen years of age came to New Zealand in the ship “Chrysolite,” and landed in Lyttelton. He obtained a situation on a station at Lyndon, in Canterbury, and in 1863 entered the service of the Bank of New Zealand in Christchurch, became accountant at Lyttelton, and page 373 after fulfilling the duties of relieving officer, was sent north to open the bank's branches in the Wairarapa, making Greytown his head-quarters. In the year 1877 he was appointed manager at Napier, which position he held until the amalgamation with the Colonial Bank, when he retired on a pension. In his younger days Mr. Balfour took an active interest in athletics; he was in the representative football teams at Lyttelton and Christchurch, and at both cricket and golf was a good average player. Bowling is now better suited to his taste, and he is a member of the Napier Bowling Club. In 1876 he married the second daughter of the late Mr. C. R. Bid-well, of Featherston, and has two daughters and four sons.