"Don't Sam know? He generally knows what's goin' on.',

"Knows he registered from Pittsfield, Ma.s.s., an' that's all. Say, that's a mighty smart-lookin' woman o' his."

"Vance always sees how the women look, Where'd you see her?"

"Came in here the other day to look up prices."

"Wha'd she say 'bout settlin'?"

"Hadn't decided yet."

"He's too slick to have much business in him. That waxed mustache gives 'im away."

The discussion having reached that point where his word would have most effect, Steve Gilbert said, while opening the hearth to rap out the ashes of his pipe, "Sam's wife heerd that he was kind o'

thinkin' some of goin' into business here, if things suited 'im first-rate."

They all knew the old man was aching to tell something, but they didn't purpose to gratify him by any questions. The rain dripped from the awning in front and fell upon the roof of the storeroom at the back with a soft and steady roar.

"Good f'r the corn," MePhail said after a long pause.

"Purty cold, though."

Gilbert was tranquil-he had a shot in reserve. "Sam's wife said his wife said he was thinkin' some of goin' into a bank here-"

"A bank!"

"What in thunder-"

Vance turned, with a comical look on his long, placid face, one hand stroking his beard.

"Well, now, gents, I'll tell you what's the matter with this town. It needs a bank. Yes, sir! I need a bank."

"You?"

"Yes, me. I didn't know just what did ail me, but I do how. It's the need of a bank that keeps me down."

"Well, you fellers can talk an' laugh, but I tell yeb they's a boom goin' to strike this town. It's got to come.. W'y, just look at Lumberville!"

"Their boom is our bust," was McPhail's comment.

"I don't think so," said Sanford, who had entered in time to hear these last two speeches. They all looked at him with deep interest.

He was a smallish man. He wore a derby hat and a neat suit. "I've looked things over pretty close-a man don't like to invest his capital" (here the rest looked at one another) "till he does; and I believe there's an opening for a bank."

As he dwelt upon the scheme from day to day, the citizens, warmed to him, and he became "Jim" Sanford. He hired a little cottage and went to housekeeping at once; but the entire summer went by before he made his decision to settle. In fact, it was in the last week of August that the little paper announced it in the usual style:

Mr. James G. Sanford, popularly known as "Jim," has decided to open an' exchange bank for the convenienee of our citizens, who have hitherto been forced to transact business in Lumberville. The thanks of the town are due Mr. Sanford, who comes well recommended from Ma.s.sachusetts and from Milwaukee, and, better still, with a bag of ducats. Mr. S. will be well patronized.

Success, Jim!

The bank was open by the time the corn crop and the hogs were being marketed, and money was received on deposit while the carpenters were still at work on the building. Everybody knew now that he was as solid as oak.

He had taken into the bank, as bookkeeper, Lincoln Bingham, one of McPhail's mult.i.tudinous nephews; and this was a capital move.

Everybody knew Link, and knew he was a McPhail, which meant that he "could be tied to in all kinds o' weather." Of course the McPhails, McIlvaines, and the rest of the Scotch contingency "banked on Link." As old Andrew McPhail put it:

"Link's there, an' he knows the bank an' books, an' just how things stand"; and so when he sold his hogs he put the whole sum---over fifteen hundred dollars--into the bank. The McIlvaines and the Binghams did the same, and the bank was at once firmly established among the farmers.

Only two people held out against Sanford, old Freeme Cole and Mrs. Bingham, Lincoln's mother; but they didn't count, for Freeme hadn't a cent, and Mrs. Bingham was too unreasoning in her opposition. She could only say:

"I don't like him, that's all. I knowed a man back in New York that curled his mustaches just that way, an' he wa'n't no earthiy good."

It might have been said by a cynic that Banker Sanford had all the virtues of a defaulting bank cashier. He had no bad habits beyond smoking. He was genial, companionable, and especially ready to help when sickness came. When old Freeme Cole got down with delirium tremens that winter, Sanford was one of the most heroic of nurses, and the service was so clearly disinterested and maguanimous that everyone spoke of it.

His wife and he were included in every dance or picnic; for Mrs.

Sanford was as great a favorite as the banker himself, she was so sincere, and her gray eyes were so charmingly frank, and then she said "such funny things."

"I wish I had something to do besides housework. It's a kind of a putterin' job, best ye can do," she'd say merrily, just to see the others stare. "There's too much moppin' an' dustin'. Seems 's if a woman used up half her life on things that don't amount to anything, don't it?"

"I tell yeh that feller's a scallywag. I know it buh the way 'e walks 'long the sidewalk," Mrs. Bingham insisted to her son, who wished her to put her savings into the bank.

The youngest of a large family, Link had been accustomed all his life to Mrs. Biugham's many whimsicalities.

"I s'pose you can smell he's a thief, just as you can tell when it's goin' to rain, or the b.u.t.ter's comin', by the smell."

"Well, you needn't laugh, Lincoln. I can," maintained the old lady stoutly. "An' I ain't goin' to put a red cent o my money mto his pocket-f'r there's where it 'ud go to."

She yielded at last, and received a little bankbook in return for her money. "Jest about all I'll ever get," she said privately; and thereafter out of her' bra.s.s-bowed spectacles with an eagle's gaze she watched the banker go by. But the banker, seeing the dear old soul at the window looking out at him, always smiled and bowed, unaware of her suspicion.

At the end of the year he bought the lot next to his rented house and began building one of his own, a modest little affair, shaped like a pork pie with a cupola, or a Tamo'-Shanter cap-a style of architecture which became fashionable at once.

He worked heroically to get the location of the plow factory at Bluff Siding, and all but succeeded; but Tyre, once their ally, turned against them, and refused to consider the fact of the Siding's position at the center of the county. However, for some reason or other, the town woke up to something of a boom during the next two years. Several large farmers decided to retire and live off the sweat of some other fellow's brow, and so built some houses of the pork-pie order and moved into town.

This inflow of moneyed men from the country resulted in the establishment of a "seminary of learning" on the hillside, where the Soldiers' Home was to be located. This called in more farmers from the country, and a new hotel was built, a sash-and-door factory followed, and Burt McPhail set up a feed mill.

An this improvement unquestionably dated, from the opening of the bank, and the most unreasonmg partisans of the banker held him to be the chief cause of the resulting development of the town, though he himself modestly disclaimed any hand in the affair.

Had Bluff Siding been a city, the highest civic honors would have been open to Banker Sanford; indeed, his name was repeatedly mentioned in connection with the county offices.

"No, gentlemen," he explained firmly, but courteously, in Wilson's store one night; "I'm a banker, not a politician. I can't ride two horses."

In the second year of the bank's history he went up to the north part of the state on business, visiting West Superior, Duluth, Ashland, and other booming towns, and came back full of the wonders of what he saw.

"There's big money up there, Nell," he said to his wife.

But she had the woman's tendency to hold fast to what she had, and would not listen to any plans about moving.

"Build up your business here, Jim, and don't worry about what good chances there are somewhere else."

He said no more about it, but he took great interest in all the news the "boys" brought back from their annual deer hunts "up North."

They were all enthusiastic over West Superior and Duluth, and their wonderful development was the never-ending theme of discussion in Wilson's store.