Ray E. Frazier, the elder son of Nathan F. and Emma (Crook) Frazier, was born at El Dorado September 15, 1876. He received his education in the public schools of El Dorado and at Wentworth Military Academy, Lexington, Missouri, from which he was graduated in 1895, and began his financial training in a minor position in the Merchants National Bank, or which his father was president. There he evinced a marked aptitude for banking and applied himself so earnestly to his duties that upon the organization of the Citizens State Bank he was made assistant cashier and later vice president. In the death of his father, in 1907, be succeeded him as president of the institution, the executive interests of which he had since ably dirccted. Mr. Frazier inherited much of his father’s keen business acumen, and is poasessed of a pleasing personality and a faculty for making friends and retaining them. He had large interesls in oil and farm lands in Kansas and Oklahoma, and also owned valuable farm lands in Missouri.
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On June 17, 1903, Mr. Frazier was married to Miss Henrietta Ellet, daughter of Howard C. Ellet, Mr. Frazier’s father’s former banking associate and for many years a resident of El Dorado. Mr. and Mrs. Frazler have one daughter, Henrietta, born November 13, 1905. Mrs. Frazier, a woman of culture and of rare personal charm, is a recognized social leader at El Dorsdo and presided with grace and hospitality over a delightful home. Notwithstanding the arduous duties attendant to his large business and financial interests Mr. Frazier finds time to participate in the social and fraternal life of El Dorado, and the love of all forms of athletics which had birth while he was attending college is still indulged, principally hunting and fishing. In politics he is a ropublican. He had attained the Scottish Rite degree in Masonry, and is affiliated with Midian Temple, Aneient Arabie Order of Nobles of the Mystis Shrine, at Wichita.