"'I'd have made a wonderful success in anything connected with music,'

says Uncle Cal. 'I got the finest instrument for the money in San Antone. Ain't that piano all right in every respect, Marilla?'

"'It's just perfect, dad,' says she. 'It's got the finest tone I ever heard. But don't you think you could sleep a little while now, dad?'

"'No, I don't,' says Uncle Cal. 'I want to hear that piano. I don't believe you've even tried it yet. I went all the way to San Antone and picked it out for you myself. It took a third of the fall clip to buy it; but I don't mind that if it makes my good girl happier. Won't you play a little bit for dad, Marilla?'

"Doc Simpson beckoned Marilla to one side and recommended her to do what Uncle Cal wanted, so it would get him quieted. And her uncle Ben and his wife asked her, too.

"'Why not hit out a tune or two with the soft pedal on?' I asks Marilla. 'Uncle Cal has begged you so often. It would please him a good deal to hear you touch up the piano he's bought for you. Don't you think you might?'

"But Marilla stands there with big tears rolling down from her eyes and says nothing. And then she runs over and slips her arm under Uncle Cal's neck and hugs him tight.

"'Why, last night, dad,' we heard her say, 'I played it ever so much.

Honest--I have been playing it. And it's such a splendid instrument, you don't know how I love it. Last night I played "Bonnie Dundee" and the "Anvil Polka" and the "Blue Danube"--and lots of pieces. You must surely have heard me playing a little, didn't you, dad? I didn't like to play loud when you was so sick.'

"'Well, well,' says Uncle Cal, 'maybe I did. Maybe I did and forgot about it. My head is a little cranky at times. I heard the man in the store play it fine. I'm mighty glad you like it, Marilla. Yes, I believe I could go to sleep a while if you'll stay right beside me till I do.'

"There was where Marilla had me guessing. Much as she thought of that old man, she wouldn't strike a note on that piano that he'd bought her. I couldn't imagine why she told him she'd been playing it, for the wagon-sheet hadn't ever been off of it since she put it back on the same day it come. I knew she could play a little anyhow, for I'd once heard her s.n.a.t.c.h some pretty fair dance-music out of an old piano at the Charco Largo Ranch.

"Well, in about a week the pneumonia got the best of Uncle Cal. They had the funeral over at Birdstail, and all of us went over. I brought Marilla back home in my buckboard. Her uncle Ben and his wife were going to stay there a few days with her.

"That night Marilla takes me in the room where the piano was, while the others were out on the gallery.

"'Come here, Rush,' says she; 'I want you to see this now.'

"She unties the rope, and drags off the wagon-sheet.

"If you ever rode a saddle without a horse, or fired off a gun that wasn't loaded, or took a drink out of an empty bottle, why, then you might have been able to scare an opera or two out of the instrument Uncle Cal had bought.

"Instead of a piano, it was one of the machines they've invented to play the piano with. By itself it was about as musical as the holes of a flute without the flute.

"And that was the piano that Uncle Cal had selected; and standing by it was the good, fine, all-wool girl that never let him know it.

"And what you heard playing a while ago," concluded Mr. Kinney, "was that same deputy-piano machine; only just at present it's shoved up against a six-hundred-dollar piano that I bought for Marilla as soon as we was married."

XIV

A CALL LOAN

In those days the cattlemen were the anointed. They were the grandees of the gra.s.s, kings of the kine, lords of the lea, barons of beef and bone. They might have ridden in golden chariots had their tastes so inclined. The cattleman was caught in a stampede of dollars. It seemed to him that he had more money than was decent. But when he had bought a watch with precious stones set in the case so large that they hurt his ribs, and a California saddle with silver nails and Angora skin _suaderos_, and ordered everybody up to the bar for whisky--what else was there for him to spend money for?

Not so circ.u.mscribed in expedient for the reduction of surplus wealth were those lairds of the lariat who had womenfolk to their name. In the breast of the rib-sprung s.e.x the genius of purse lightening may slumber through years of inopportunity, but never, my brothers, does it become extinct.

So, out of the chaparral came Long Bill Longley from the Bar Circle Branch on the Frio--a wife-driven man--to taste the urban joys of success. Something like half a million dollars he had, with an income steadily increasing.

Long Bill was a graduate of the camp and trail. Luck and thrift, a cool head, and a telescopic eye for mavericks had raised him from cowboy to be a cowman. Then came the boom in cattle, and Fortune, stepping gingerly among the cactus thorns, came and emptied her cornucopia at the doorstep of the ranch.

In the little frontier city of Chaparosa, Longley built a costly residence. Here he became a captive, bound to the chariot of social existence. He was doomed to become a leading citizen. He struggled for a time like a mustang in his first corral, and then he hung up his quirt and spurs. Time hung heavily on his hands. He organised the First National Bank of Chaparosa, and was elected its president.

One day a dyspeptic man, wearing double-magnifying gla.s.ses, inserted an official-looking card between the bars of the cashier's window of the First National Bank. Five minutes later the bank force was dancing at the beck and call of a national bank examiner [94].

[FOOTNOTE 94: O. Henry was not fond of national bank examiners.

One (F. B. Gray) accused him of embezzling funds from the First National Bank of Austin, where he worked as a teller. The owners of the bank wanted to let the matter drop, possibly because some of them were guilty, but the examiner persisted. O. Henry (then William Sidney Porter) was convicted and spent three years in prison. To this day no one knows whether he was really guilty; he often claimed he took the blame for what others had done, but occasionally he made comments that might be construed as admissions of guilt.

Prison was good for O. Henry in one respect: it gave him the opportunity to write. At least a dozen of his stories were published (under various pen names) before his release in 1901, including "Georgia's Ruling," which, to this annotator, is one of his three best stories.]

This examiner, Mr. J. Edgar Todd, proved to be a thorough one.

At the end of it all the examiner put on his hat, and called the president, Mr. William R. Longley, into the private office.

"Well, how do you find things?" asked Longley, in his slow, deep tones. "Any brands in the round-up you didn't like the looks of?"

"The bank checks up all right, Mr. Longley," said Todd; "and I find your loans in very good shape--with one exception. You are carrying one very bad bit of paper--one that is so bad that I have been thinking that you surely do not realise the serious position it places you in. I refer to a call loan of $10,000 made to Thomas Merwin. Not only is the amount in excess of the maximum sum the bank can loan any individual legally, but it is absolutely without endors.e.m.e.nt or security. Thus you have doubly violated the national banking laws, and have laid yourself open to criminal prosecution by the Government. A report of the matter to the Comptroller of the Currency--which I am bound to make--would, I am sure, result in the matter being turned over to the Department of Justice for action. You see what a serious thing it is."

Bill Longley was leaning his lengthy, slowly moving frame back in his swivel chair. His hands were clasped behind his head, and he turned a little to look the examiner in the face. The examiner was surprised to see a smile creep about the rugged mouth of the banker, and a kindly twinkle in his light-blue eyes. If he saw the seriousness of the affair, it did not show in his countenance.

"Of course, you don't know Tom Merwin," said Longley, almost genially.

"Yes, I know about that loan. It hasn't any security except Tom Merwin's word. Somehow, I've always found that when a man's word is good it's the best security there is. Oh, yes, I know the Government doesn't think so. I guess I'll see Tom about that note."

Mr. Todd's dyspepsia seemed to grow suddenly worse. He looked at the chaparral banker through his double-magnifying gla.s.ses in amazement.

"You see," said Longley, easily explaining the thing away, "Tom heard of 2000 head of two-year-olds down near Rocky Ford on the Rio Grande that could be had for $8 a head. I reckon 'twas one of old Leandro Garcia's outfits that he had smuggled over, and he wanted to make a quick turn on 'em. Those cattle are worth $15 on the hoof in Kansas City. Tom knew it and I knew it. He had $6,000, and I let him have the $10,000 to make the deal with. His brother Ed took 'em on to market three weeks ago. He ought to be back 'most any day now with the money. When he comes Tom'll pay that note."

The bank examiner was shocked. It was, perhaps, his duty to step out to the telegraph office and wire the situation to the Comptroller. But he did not. He talked pointedly and effectively to Longley for three minutes. He succeeded in making the banker understand that he stood upon the border of a catastrophe. And then he offered a tiny loophole of escape.

"I am going to Hilldale's to-night," he told Longley, "to examine a bank there. I will pa.s.s through Chaparosa on my way back. At twelve o'clock to-morrow I shall call at this bank. If this loan has been cleared out of the way by that time it will not be mentioned in my report. If not--I will have to do my duty."

With that the examiner bowed and departed.

The President of the First National lounged in his chair half an hour longer, and then he lit a mild cigar, and went over to Tom Merwin's house. Merwin, a ranchman in brown duck, with a contemplative eye, sat with his feet upon a table, plaiting a rawhide quirt.

"Tom," said Longley, leaning against the table, "you heard anything from Ed yet?"

"Not yet," said Merwin, continuing his plaiting. "I guess Ed'll be along back now in a few days."

"There was a bank examiner," said Longley, "nosing around our place to-day, and he bucked a sight about that note of yours. You know I know it's all right, but the thing _is_ against the banking laws. I was pretty sure you'd have paid it off before the bank was examined again, but the son-of-a-gun slipped in on us, Tom. Now, I'm short of cash myself just now, or I'd let you have the money to take it up with. I've got till twelve o'clock to-morrow, and then I've got to show the cash in place of that note or--"

"Or what, Bill?" asked Merwin, as Longley hesitated.

"Well, I suppose it means be jumped on with both of Uncle Sam's feet."

"I'll try to raise the money for you on time," said Merwin, interested in his plaiting.

"All right, Tom," concluded Longley, as he turned toward the door; "I knew you would if you could."