In this photo, the Schenectady Savings Bank, founded in 1834, stands on State Street sometime around the early 1900s. A wagon containing Italian baked goods is parked in front of the bank and another wagon — this one powered by a 1-horsepower engine — is parked on the side of the building. The two gents standing in front of the bank — sure hope they weren’t robbers — might have been peering at the sight across the street. That would have been a man with a large box camera, possibly on a tripod, composing a black-and-white photograph. Readers will notice that one of the great names in Schenectady hardware history, Wallace Armer, was right next door to Schenectady Savings.