An essay on provident or parish banks : for the security and improvement of the savings of tradesmen, artificers, servants, &c. until required for their future wants, or advancement in life : containing a brief history of the several schemes for the above purpose : and developing the causes which have promoted or prevented their success : to which is added a detailed account of the plan, regulations, and routine of management of the Provident Bank in the parish of St. Paul, Covent Garden /