Ray E. Frazier, president of the Citizens State Bank of El Dorado, Kans., was born in El Dorado, September 15, 1876. He is the eldest son of the late Nathan Frank Frazier and Emma (Crook) Frazier. He received his education in the public schools of El Dorado and at Wentworth Military Academy, Lexington, Mo., graduating at the latter school in 1859. He began his business training as an employee in a minor position in the Merchants National Bank, of which his father was president. There he evinced an aptitude for a business life and applied himself so earnestly to his duties that upon the organization of the Citizens State Bank he was made assistant cashier and then vice president. On the death of his father in 1907, he succeeded him as president of the bank and has ably carried forward the extensive interests of that institution. He has inherited his father's keen business insight, and is possessed of a pleasing personality and a faculty of making friends and holding them. He has extensive interests in oil and farm lands in Kansas and Oklahoma, and owns valuable farm lands in Missouri.

On June 17, 1903, Mr. Frazier married Miss Henrietta Ellet, daughter of Edward C. Ellet, the former banking associate of Mr. Frazier's father. Mr. ElIet, for many years a resident of El Dorado, is now deceased. Mr. and Mrs. Frazier have one child: Henrietta, born November 13, 1905. Notwithstanding the arduous duties attendant to his large business interests, Mr. Frazier finds time to participate in the social and fraternal life of El Dorado, and the love of athletics and outdoor sports gained in college days is still indulged, principally by hunting and fishing.

In politics he is a Republican. He has attained to the Scottish Rite degree in Masonry and is affiliated with Midian Temple Shrine, Wichita. Mrs. Frazier, a woman of culture and of rare, personal qualities of friendship, is a recognized social leader in El Dorado, and presides with charming grace and hospitality in a delightful home.

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