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Ayer, Frederick B.; insurance; born, Unity, N. H., Oct. 27, 1874; son of Benjamin F. and Susan V. Bailey Ayer; educated, Preparatory School Kenyon Military Academy, Gambier, O., 1890-91; Williams College, Williamstown, Mass., class of 1896, degree A. B.; married, Ashtabula, O., June 15, 1899, Agnes Louise Goddard; issue, Edwin, born Aug. 2, 1901, Ethel Louise, born Jan. 22, 1905, Margaret, born Nov. 11, 1906; taught school at Kenyon Military Academy Sept., 1896 to June, 1899; principal of school at Versailles, Ky., from Sept., 1899 to May, 1903; May 1, 1903, became associated with Fred P. Thomas in insurance business in Cleveland; vice pres. and director The Fred P. Thomas Co.; member Chamber of Commerce; Delta Upsilon fraternity. Recreations: Tennis, baseball and swimming.