Upper Largo's former bank was designed by the architect Archibald Scott. His plans for the building were first approved by the National Bank of Scotland in 1848, although their Largo branch did not open until some years later. The 1854 map of the village still shows the previous buildings on the site, which were loom shops associated with the once-thriving hand loom weaving industry.
Archibald Scott was born in 1796 in Dunbar, East Lothian. His architect practice was based at Teviot Row in Edinburgh. He became principal architect to the National Bank, and worked on many of their premises between approximately 1848 and 1860, including banks at Hawick, Castle Douglas, Grantown-on-Spey, Whithorn, Bathgate, Lochmaben and Dalkeith. Scott also designed the National Bank building at Elie, which was linked to the Largo branch and to which it bears some resemblance. The Largo and Elie banks are shown side-by-side below. Note their similar stonework and windows and the shared features such as carved stone shields towards to top of their gables and distinctive skew putts at the gable corners.
The National Bank of Scotland was founded in 1825. Based in Edinburgh, it had national-level ambitions from the beginning. By 1850 it had 40 branches, growing to eventually to 137 branches. At its height it was second in size only to the Bank of Scotland. In 1959 a merger saw it become National Commercial Bank of Scotland and a decade later it was absorbed into the Royal Bank of Scotland. The bank's archives suggest that the Largo bank building cost £748.10 but that a later payment of £56 was made to Scott in connection with the building in 1860 (likely relating to alterations once operational).
The above notice appeared in the 12 March 1857 Fife Herald announcing that Alexander Robertson had been appointed as Bank Agent at Largo. This appears to mark the official beginning of the bank operation, as it is from that year that regular references to the Largo Bank can be found in the local newspapers. 1857 was also the year that William Robinson Ketchen came to Elie from Edinburgh to take charge of the National Bank there. Ketchen (pictured below from the Fife Illustrated News Almanac of 1902), along with other members of his family, would go on to feature prominently in the history of the Largo branch.
By 1858, William Ketchen's younger brother Thomas had become agent at Largo, effectively acting as assistant to William who had oversight of both branches. Thomas Ketchen remained in the role of agent at Largo for decades and is recorded as living in the bank house in four consecutive census records. In 1861 he was at the bank house along with his parents William and Harriet, as well as a servant. A decade later he was recorded with just his widower father and a servant. In 1881 it was only Thomas and a servant in residence but by the 1891 census Thomas had his retired brother Alexander and the latter's wife, living with him, plus a servant.
The extracts above from the 1866 Westwood's Directory show that there was also a Savings' Bank and Insurance Agency run by Thomas Ketchen. Below is a list of the various National Bank branch agents in the wider local area in 1858. Of course the agent was supported by a small team of bank clerks. In 1881, two teenage sons of Reverend David Malloch (John and David) were bank clerks at Largo. In 1884, Lundin Links born John Bremner came to work at the Largo branch. He was the younger brother of local postmistress Margaret Bremner and he would go on to manage the National Bank of Scotland at St Enoch Square in Glasgow for 25 years. In fact John Malloch went on to marry Ann Bremner (elder sister of John Bremner, his co-worker at the bank).
In 1893, Henry Martin Ketchen, son of William Robinson Ketchen became joint-agent at Largo with his father. His uncles, Thomas and Alexander Ketchen, both died in 1894. Henry undertook legal work in the Largo area and was the Secretary of the Largo Granary Company. In 1897, W. R. Ketchen, now retired moved to Largo, where he took a great interest in public life and was elected to Largo County Council. He later moved back to Elie, where he died in 1901.
It was around that time that Ketchen's former apprentice, John More Dall, took over at Largo, remaining there until his retiral in 1930. The National Bank expanded its network of branches in the aftermath of the First World War and in 1921 the directors decided to open a branch at Lundin Links, as a sub-branch of Largo and to protect its business in the locality in the face of competition from the Commercial Bank of Scotland and the British Linen Bank. The sub-branch thrived and made a significant contribution to the profits of the Largo parent bank. During the 1930s there were three banks within the row of businesses on Leven Road, Lundin Links.
In 1930, Guy McConnell succeeded John More Dall, having moved to Largo from the chief office in Glasgow. He had previously worked in branches in Leven and Kirkcaldy. Like earlier bank agents, McConnell had a number of other roles within the community including auditor for the Largo Silver Band (see notice below from 7 Feb 1939 Leven Advertiser) and treasurer of the Largo and Newburn Nursing Association. He remained as Largo agent into the 1940s.
The Second World War had a huge impact on the National Bank of Scotland as a whole, and on the Largo branch in particular. Three members of staff from the Largo branch joined the war effort, one of whom was killed in action. Rival banks ended up closing their branches in Lundin Links, enabling the National Bank to take over the prominent corner site on Leven Road at Crescent Road. At the end of the war this branch was elevated to full branch status (and eventually would subsume the Upper Largo bank).
By 1950, Guy McConnell had left the Largo bank was living in Anstruther. James M Johnston became agent at Largo but by now there had been a shift in the dynamics between Upper Largo and Lundin Links. The notice above appeared in the Leven Mail each week in May 1958, highlighting the imminent closure of the original branch. Its last day open was 31 May 1958, bringing a century of banking on the Upper Largo site to an end. The branch's business was transferred to the Lundin Links branch on Leven Road, pictured below. The bank building in Upper Largo became a private residence.
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