First Nat. Bank v. Hutson

• Decision Date: 07 March 1927
• Docket Number: 12169.
• Citation: 140 S.E. 596,142 S.C. 239
• Parties: FIRST NAT. BANK OF SPRINGFIELD v. HUTSON et al.
• Court: South Carolina Supreme Court

140 S.E. 596

142 S.C. 239

FIRST NAT. BANK OF SPRINGFIELD v. HUTSON et al.

No. 12169.

Supreme Court of South Carolina

March 7, 1927

On Petition for Rehearing.December 15, 1927.

Appeal from Common Pleas Circuit Court of Aiken County; H. F. Rice Judge.

Action by the First National Bank of Springfield against Mrs. Ethel O. Hutson and others.From a judgment for plaintiffdefendants appeal.Reversed.

R. L Gunter, of Aiken, for appellants.

Williams Croft & Busbee, of Aiken, for respondent.

STABLER J.

The controversy in this case is over the construction of two wills.About the year 1903, there lived in Aiken county two elderly sisters, Martha E. and Cynthia R. Posey.They made mutual wills, which in substance were the same, the verbiage of the provisions under construction being identical.They left their property, in the first instance, to each other for life.With respect to the real estate owned by them, the wills provided that, after the death of the surviving testator, the land should be equally divided among C. C. Bonnett, Lelon P. Bonnett, and Ethel O. Bonnett; C. C. Bonnett taking a life estate, his portion, upon his death, to be equally divided between Lelon and Ethel Bonnett, and provided further:

"Now in the event that Ethel O. Bonnett or Lelon P. Bonnett should die leaving no bodily heirs, then it is my will that all the property to go to the surviving one, and if both shall die leaving no bodily heirs, then it is my will that all of the property to be given to the Connie Maxwell Orphanage, but if Ethel O. Bonnett or Lelon P. Bonnett shall die leaving bodily heirs, then I direct that each one's portion shall go to each one's said heirs likewise."

After the death of the devisors, the three devisees named above divided the land among themselves as provided for in the wills, Ethel O. Bonnett, now Mrs. Ethel O. Hutson, one of the plaintiffs in this case, taking as her part a tract of about 156 acres.She subsequently gave a mortgage of $4,200 upon this tract to the plaintiff, the First National Bank of Springfield.

When the mortgage became due and was not paid, the plaintiff brought this action to foreclose same.The defendants, other than Ethel O. Hutson and H. M. Hutson(her husband), are the minor children of Ethel O. Hutson.

The matter came on to be heard before his honor, Judge Rice, who held that, under his construction of the wills, Mrs. Ethel O. Hutson took a fee conditional in the land in question, and that, the condition having been fulfilled by the birth of issue to the said Ethel O. Hutson, she was the owner in fee simple of the said tract of land for the purpose of aliening or incumbering same, and that, under the foreclosure of the mortgage by the bank, the purchaser at the sale would take good title to the land.

From this decree of Judge Rice, the defendants appeal to this court.They contend that the circuit judge erred in his construction of the wills, and that Ethel O. Hutson did not take a fee conditional estate in the lands devised to her, but that she took only a life estate therein.

The sole question presented by this appeal is: What estate did Ethel O. Hutson take in the real estate devised by the testator?It is elementary in the construction of a will that the intention of the testator, as gathered from the instrument, must prevail unless such intention is in conflict with some well-settled rule of law; that in ascertaining the intention of the testator the will must be taken as a whole, and force and effect must be given, if possible, to every part and portion of it, and that the words used in the will are to be given their ordinary meaning.And it may not be enough to consider only the words or phrases to be interpreted, but it may become necessary to consider all the words and phrases of the will or of the item or items under consideration.McGee v. Hall,26 S.C. 179, 1 S.E. 711;Burriss v. Burriss,104 S.C. 441, 89 S.E. 405;Burton v. Burton,113 S.C. 227, 102 S.E. 282;Dent v. Dent,113 S.C. 416, 102 S.E. 715.

The rule of construction is thus stated in Roundtree v. Roundtree,26 S.C. 450, 2 S.E. 474:

"The object of all construction is to ascertain the intention of the testator, and when that is ascertained it must be carried into effect, provided this can be done consistently with the settled rules of law.But how is the intention to be ascertained?Certainly not by conjecture as to what the testator ought to have done, but by considering what is the plain meaning of the language which he has used, and by giving a careful consideration to the words of the will as a whole, guided by such rules of law as experience has shown to be useful in seeking such intention.We are to read the will as a whole, and from its terms ascertain, if practicable, what was in the mind of the testator at the time he executed it.We may also, where the language used is obscure or doubtful, read such language in the light which may be reflected upon it by the circumstances surrounding the testator at the time he executed his will, but such circumstances cannot be resorted to to prove the testator's intention apart from his language."

What was the purpose or intention of the testators in the present case?Let us examine the scheme which they had in mind and to which they desired to give effect in their wills.It is clear that it was the desire of these two sisters to keep their estates intact as long as either should live, so that the survivor should be fully provided for during her lifetime.So we find: In the first place, that the mutual wills provide that the property of the one dying first should go to the other for life.Second, they then made provision that the property should pass at the death of the last surviving sister to their three kinsmen, Ethel O. Bonnett, Lelon P Bonnett, and C. C. Bonnett, and that, after the death of C. C. Bonnett, who took a life estate under the wills, his portion should be divided between the other two named.If no further provision had been made as to the disposition of the real estate, Lelon P. Bonnett and Ethel O. Bonnett would have taken the property in fee simple.But it was not the testators' intention, as appears from the succeeding provision, that these two devisees should take the lands in fee, for it is immediately provided that in case either should die leaving no "bodily heirs," his or her portion should go over to the survivor, which provision clearly defeats the fee of either one so dying.Third, it is then provided that, should both die leaving no "bodily heirs," all of the property should go to the Connie Maxwell Orphanage, which provision would defeat the fee of both upon the arising of that contingency.Fourth, it is clear from the next provision that the testators desired primarily to take care of their kinsmen, and to that...