▁a ▁Ski pton ▁solic itor ; ▁William ▁B irk beck ▁and ▁his ▁cousin , ▁John , ▁who ▁were ▁mer ch ants ▁in ▁S ett le ▁along ▁with ▁John ▁Pe art ▁a ▁solic itor ▁from ▁Gr ass ington ▁and ▁William ▁Law son ▁of ▁G igg les wick ▁entered ▁into ▁a ▁partners hip ▁as ▁the ▁Cra ven ▁Bank . ▁ ▁Jo ining ▁them ▁and ▁providing ▁access ▁to ▁the ▁London ▁bank ing ▁industry ▁was ▁Joseph ▁Smith ▁a ▁City ▁of ▁London ▁bank er . ▁ ▁The ▁bank ▁was ▁based ▁in ▁S ett le ▁and ▁early ▁bank notes ▁issued ▁by ▁the ▁bank ▁incorpor ated ▁a ▁picture ▁of ▁Castle berg h , ▁the ▁hill ▁that ▁over look s ▁S ett le ▁but ▁in ▁the ▁early ▁nin ete enth ▁century ▁the ▁bank ▁adopted ▁the ▁Cra ven ▁He ifer ▁as ▁its ▁em blem ▁and ▁its ▁appearance ▁on ▁the ▁note ▁and ▁che ques ▁issued ▁by ▁the ▁bank , ▁the ▁bank ' s ▁notes ▁were ▁col lo qu ial ly ▁referred ▁to ▁as ▁" the ▁notes ▁w i ' ▁the ▁cow ▁on ". ▁ ▁The ▁bank ing ▁crisis ▁of ▁ 1 8 2 5 ▁led ▁to ▁a ▁run ▁on ▁many ▁banks ▁and ▁the ▁Cra ven ▁Bank ▁avoided ▁this ▁partially ▁through ▁public ▁demonstr ations ▁of ▁confidence ▁published ▁in ▁local ▁newsp apers . ▁ ▁The ▁partners hip ▁of ▁Ch ipp end ale , ▁Nether wood ▁and ▁Car r ▁who ▁trad ed ▁as ▁the ▁Ski pton ▁Bank ▁were ▁not ▁as ▁luck y ▁and ▁the ▁Ski pton ▁Bank ▁was ▁acquired ▁by ▁the ▁Cra ven ▁Bank ▁in ▁