Early Life
James Wood was born in Philadelphia, Pennsylvania, to a Unitarian family. His parents were both from England, his father (a merchant) from Manchester and his mother from Gloucestershire; they immigrated to the United States in 1809. After attending an elementary school on Dock Street, he was sent abroad to the Crypt School at Gloucester in November 1821. He returned to Philadelphia five years later and then enrolled at a private school on Market Street. In November 1827, he and his family removed to Cincinnati, Ohio, where the young Wood became a clerk at the Branch Bank of the United States. After being advanced to individual book-keeper and discount clerk, he was made a paying and receiving teller (1833) and cashier (1836) in the Franklin Bank of Cincinnati.
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