Here is a postcard of the City National Bank Building, located in Utica, New York. I'm not sure what the exact date is, but if you look very, very closely, you can see the image of a person located in front of the building. Zooming in, it's apparent he's on a bicycle. The building to the left has a banner located between the second and third floors that reads, "Blliards Academy." Sounds like my kind of school - I doubt they have classes that begin before noon.
Anyway, one of the shops below has the name "H. Marnill" on it (a google search didn't turn anything up), and I was unable to make out any of the other names. Here is a link to a more recent shot of the front of the building, and here is what the building looks like today.
What is nice about a city like Utica is that many of the structures captured in postcards and photographs from long ago still exist. They may look different, and the surrounding businesses have changed, but much of the city still has the look and feel it did fifty or more years ago. That's something I had no appreciation of as a kid, but have come to appreciate as I've gotten older.