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1824 Established in Stockport as a private bank by four local businessmen: William Miller Christy, son of a London hatter; John Winterbottom, a local solicitor; John Worsley, a Stockport hat manufacturer; and Isaac Lloyd, son of a Birmingham banker.
1829 the bank merged with Manchester and Liverpool District Banking Co, one of the new generation of large shareholder-owned joint stock banks. The new bank was still in the process of being established at the time of the acquisition. It began trading on 1 December 1829, with the former business of Christy, Lloyd and Co as its Stockport branch.