Prior to 1899, the Ladies Sewing Circle of Waterford carried on a lending library at the Knight store, run by Sarah and Carrie Knight. In 1899, the Circle incorporated as the Ladies Library Association of Waterford, electing Sarah Knight as its first librarian. Three years later, Mrs. Florence Rounds was elected assistant librarian. Interest in the library grew and more room was needed for books. The Knight sisters began construction of a stone building on the front of their lot, but both died only a few weeks apart in August 1911. In 1912 the old association turned its property over to the newly formed Waterford Library Association. Mrs. Rounds was chosen as the new librarian and she appointed Miss Charlotte Morse (Fillebrown) as her assistant librarian.