The first building to occupy this intersection at Monterey and Osos Streets was the Andrews Hotel. It was built in 1885 but the wooden structure burned to the ground nine months later. The owner was a wealthy rancher and banker named J.P. Andrews. He was also determined but had learned his lesson so he had his next building constructed with red bricks in 1894 for his Andrews Banking Company. It was also the first home for the town’s library.
