Edlinger, the cashier--a middle-aged gentleman of deliberation, discretion, and method.

"I was kind of expecting Sam Turner round again, pretty soon," said Mr. Edlinger. "Sam's been examining us now, for about four years. I guess you'll find us all right, though, considering the tightness in business. Not overly much money on hand, but able to stand the storms, sir, stand the storms."

"Mr. Turner and I have been ordered by the Comptroller to exchange districts," said the examiner, in his decisive, formal tones. "He is covering my old territory in Southern Illinois and Indiana. I will take the cash first, please."

Perry Dorsey, the teller, was already arranging his cash on the counter for the examiner's inspection. He knew it was right to a cent, and he had nothing to fear, but he was nervous and fl.u.s.tered.

So was every man in the bank. There was something so icy and swift, so impersonal and uncompromising about this man that his very presence seemed an accusation. He looked to be a man who would never make nor overlook an error.

Mr. Nettlewick first seized the currency, and with a rapid, almost juggling motion, counted it by packages. Then he spun the sponge cup toward him and verified the count by bills. His thin, white fingers flew like some expert musician's upon the keys of a piano. He dumped the gold upon the counter with a crash, and the coins whined and sang as they skimmed across the marble slab from the tips of his nimble digits. The air was full of fractional currency when he came to the halves and quarters. He counted the last nickle and dime.

He had the scales brought, and he weighed every sack of silver in the vault. He questioned Dorsey concerning each of the cash memoranda--certain checks, charge slips, etc., carried over from the previous day's work--with unimpeachable courtesy, yet with something so mysteriously momentous in his frigid manner, that the teller was reduced to pink cheeks and a stammering tongue.

This newly-imported examiner was so different from Sam Turner. It had been Sam's way to enter the bank with a shout, pa.s.s the cigars, and tell the latest stories he had picked up on his rounds. His customary greeting to Dorsey had been, "h.e.l.lo, Perry! Haven't skipped out with the boodle yet, I see." Turner's way of counting the cash had been different, too. He would finger the packages of bills in a tired kind of way, and then go into the vault and kick over a few sacks of silver, and the thing was done. Halves and quarters and dimes? Not for Sam Turner. "No chicken feed for me," he would say when they were set before him. "I'm not in the agricultural department." But, then, Turner was a Texan, an old friend of the bank's president, and had known Dorsey since he was a baby.

While the examiner was counting the cash, Major Thomas B.

Kingman--known to every one as "Major Tom"--the president of the First National, drove up to the side door with his old dun horse and buggy, and came inside. He saw the examiner busy with the money, and, going into the little "pony corral," as he called it, in which his desk was railed off, he began to look over his letters.

Earlier, a little incident had occurred that even the sharp eyes of the examiner had failed to notice. When he had begun his work at the cash counter, Mr. Edlinger had winked significantly at Roy Wilson, the youthful bank messenger, and nodded his head slightly toward the front door. Roy understood, got his hat, and walked leisurely out, with his collector's book under his arm. Once outside, he made a bee-line for the Stockmen's National. That bank was also getting ready to open. No customers had, as yet, presented themselves.

"Say, you people!" cried Roy, with the familiarity of youth and long acquaintance, "you want to get a move on you. There's a new bank examiner over at the First, and he's a stem-winder. He's counting nickles on Perry, and he's got the whole outfit bluffed. Mr.

Edlinger gave me the tip to let you know."

Mr. Buckley, president of the Stockmen's National--a stout, elderly man, looking like a farmer dressed for Sunday--heard Roy from his private office at the rear and called him.

"Has Major Kingman come down to the bank yet?" he asked of the boy.

"Yes, sir, he was just driving up as I left," said Roy.

"I want you to take him a note. Put it into his own hands as soon as you get back."

Mr. Buckley sat down and began to write.

Roy returned and handed to Major Kingman the envelope containing the note. The major read it, folded it, and slipped it into his vest pocket. He leaned back in his chair for a few moments as if he were meditating deeply, and then rose and went into the vault. He came out with the bulky, old-fashioned leather note case stamped on the back in gilt letters, "Bills Discounted." In this were the notes due the bank with their attached securities, and the major, in his rough way, dumped the lot upon his desk and began to sort them over.

By this time Nettlewick had finished his count of the cash. His pencil fluttered like a swallow over the sheet of paper on which he had set his figures. He opened his black wallet, which seemed to be also a kind of secret memorandum book, made a few rapid figures in it, wheeled and transfixed Dorsey with the glare of his spectacles.

That look seemed to say: "You're safe this time, but--"

"Cash all correct," snapped the examiner. He made a dash for the individual bookkeeper, and, for a few minutes there was a fluttering of ledger leaves and a sailing of balance sheets through the air.

"How often do you balance your pa.s.s-books?" he demanded, suddenly.

"Er--once a month," faltered the individual bookkeeper, wondering how many years they would give him.

"All right," said the examiner, turning and charging upon the general bookkeeper, who had the statements of his foreign banks and their reconcilement memoranda ready. Everything there was found to be all right. Then the stub book of the certificates of deposit.

Flutter--flutter--zip--zip--check! All right. List of over-drafts, please. Thanks. H'm-m. Unsigned bills of the bank, next. All right.

Then came the cashier's turn, and easy-going Mr. Edlinger rubbed his nose and polished his gla.s.ses nervously under the quick fire of questions concerning the circulation, undivided profits, bank real estate, and stock ownership.

Presently Nettlewick was aware of a big man towering above him at his elbow--a man sixty years of age, rugged and hale, with a rough, grizzled beard, a ma.s.s of gray hair, and a pair of penetrating blue eyes that confronted the formidable gla.s.ses of the examiner without a flicker.

"Er--Major Kingman, our president--er--Mr. Nettlewick," said the cashier.

Two men of very different types shook hands. One was a finished product of the world of straight lines, conventional methods, and formal affairs. The other was something freer, wider, and nearer to nature. Tom Kingman had not been cut to any pattern. He had been mule-driver, cowboy, ranger, soldier, sheriff, prospector, and cattleman. Now, when he was bank president, his old comrades from the prairies, of the saddle, tent, and trail found no change in him.

He had made his fortune when Texas cattle were at the high tide of value, and had organized the First National Bank of San Rosario.

In spite of his largeness of heart and sometimes unwise generosity toward his old friends, the bank had prospered, for Major Tom Kingman knew men as well as he knew cattle. Of late years the cattle business had known a depression, and the major's bank was one of the few whose losses had not been great.

"And now," said the examiner, briskly, pulling out his watch, "the last thing is the loans. We will take them up now, if you please."

He had gone through the First National at almost record-breaking speed--but thoroughly, as he did everything. The running order of the bank was smooth and clean, and that had facilitated his work.

There was but one other bank in the town. He received from the Government a fee of twenty-five dollars for each bank that he examined. He should be able to go over those loans and discounts in half an hour. If so, he could examine the other bank immediately afterward, and catch the 11.45, the only other train that day in the direction he was working. Otherwise, he would have to spend the night and Sunday in this uninteresting Western town. That was why Mr. Nettlewick was rushing matters.

"Come with me, sir," said Major Kingman, in his deep voice, that united the Southern drawl with the rhythmic tw.a.n.g of the West; "We will go over them together. n.o.body in the bank knows those notes as I do. Some of 'em are a little wobbly on their legs, and some are mavericks without extra many brands on their backs, but they'll most all pay out at the round-up."

The two sat down at the president's desk. First, the examiner went through the notes at lightning speed, and added up their total, finding it to agree with the amount of loans carried on the book of daily balances. Next, he took up the larger loans, inquiring scrupulously into the condition of their endorsers or securities.

The new examiner's mind seemed to course and turn and make unexpected dashes. .h.i.ther and thither like a bloodhound seeking a trail. Finally he pushed aside all the notes except a few, which he arranged in a neat pile before him, and began a dry, formal little speech.

"I find, sir, the condition of your bank to be very good, considering the poor crops and the depression in the cattle interests of your state. The clerical work seems to be done accurately and punctually. Your past-due paper is moderate in amount, and promises only a small loss. I would recommend the calling in of your large loans, and the making of only sixty and ninety day or call loans until general business revives. And now, there is one thing more, and I will have finished with the bank.

Here are six notes aggregating something like $40,000. They are secured, according to their faces, by various stocks, bonds, shares, etc. to the value of $70,000. Those securities are missing from the notes to which they should be attached. I suppose you have them in the safe or vault. You will permit me to examine them."

Major Tom's light-blue eyes turned unflinchingly toward the examiner.

"No, sir," he said, in a low but steady tone; "those securities are neither in the safe nor in the vault. I have taken them. You may hold me personally responsible for their absence."

Nettlewick felt a slight thrill. He had not expected this. He had struck a momentous trail when the hunt was drawing to a close.

"Ah!" said the examiner. He waited a moment, and then continued: "May I ask you to explain more definitely?"

"The securities were taken by me," repeated the major. "It was not for my own use, but to save an old friend in trouble. Come in here, sir, and we'll talk it over."

He led the examiner into the bank's private office at the rear, and closed the door. There was a desk, and a table, and half-a-dozen leather-covered chairs. On the wall was the mounted head of a Texas steer with horns five feet from tip to tip. Opposite hung the major's old cavalry saber that he had carried at Shiloh and Fort Pillow.

Placing a chair for Nettlewick, the major seated himself by the window, from which he could see the post-office and the carved limestone front of the Stockmen's National. He did not speak at once, and Nettlewick felt, perhaps, that the ice could be broken by something so near its own temperature as the voice of official warning.

"Your statement," he began, "since you have failed to modify it, amounts, as you must know, to a very serious thing. You are aware, also, of what my duty must compel me to do. I shall have to go before the United States Commissioner and make--"

"I know, I know," said Major Tom, with a wave of his hand. "You don't suppose I'd run a bank without being posted on national banking laws and the revised statutes! Do your duty. I'm not asking any favours. But, I spoke of my friend. I did want you to hear me tell you about Bob."

Nettlewick settled himself in his chair. There would be no leaving San Rosario for him that day. He would have to telegraph to the Comptroller of the Currency; he would have to swear out a warrant before the United States Commissioner for the arrest of Major Kingman; perhaps he would be ordered to close the bank on account of the loss of the securities. It was not the first crime the examiner had unearthed. Once or twice the terrible upheaval of human emotions that his investigations had loosed had almost caused a ripple in his official calm. He had seen bank men kneel and plead and cry like women for a chance--an hour's time--the overlooking of a single error. One cashier had shot himself at his desk before him. None of them had taken it with the dignity and coolness of this stern old Westerner. Nettlewick felt that he owed it to him at least to listen if he wished to talk. With his elbow on the arm of his chair, and his square chin resting upon the fingers of his right hand, the bank examiner waited to hear the confession of the president of the First National Bank of San Rosario.

"When a man's your friend," began Major Tom, somewhat didactically, "for forty years, and tried by water, fire, earth, and cyclones, when you can do him a little favour you feel like doing it."

("Embezzle for him $70,000 worth of securities," thought the examiner.)

"We were cowboys together, Bob and I," continued the major, speaking slowly, and deliberately, and musingly, as if his thoughts were rather with the past than the critical present, "and we prospected together for gold and silver over Arizona, New Mexico, and a good part of California. We were both in the war of 'sixty-one, but in different commands. We've fought Indians and horse thieves side by side; we've starved for weeks in a cabin in the Arizona mountains, buried twenty feet deep in snow; we've ridden herd together when the wind blew so hard the lightning couldn't strike--well, Bob and I have been through some rough spells since the first time we met in the branding camp of the old Anchor-Bar ranch. And during that time we've found it necessary more than once to help each other out of tight places. In those days it was expected of a man to stick to his friend, and he didn't ask any credit for it. Probably next day you'd need him to get at your back and help stand off a band of Apaches, or put a tourniquet on your leg above a rattlesnake bite and ride for whisky. So, after all, it was give and take, and if you didn't stand square with your pardner, why, you might be shy one when you needed him. But Bob was a man who was willing to go further than that. He never played a limit.

"Twenty years ago I was sheriff of this county, and I made Bob my chief deputy. That was before the boom in cattle when we both made our stake. I was sheriff and collector, and it was a big thing for me then. I was married, and we had a boy and a girl--a four and a six year old. There was a comfortable house next to the courthouse, furnished by the county, rent free, and I was saving some money. Bob did most of the office work. Both of us had seen rough times and plenty of rustling and danger, and I tell you it was great to hear the rain and the sleet dashing against the windows of nights, and be warm and safe and comfortable, and know you could get up in the morning and be shaved and have folks call you 'mister.' And then, I had the finest wife and kids that ever struck the range, and my old friend with me enjoying the first fruits of prosperity and white shirts, and I guess I was happy. Yes, I was happy about that time."

The major sighed and glanced casually out of the window. The bank examiner changed his position, and leaned his chin upon his other hand.

"One winter," continued the major, "the money for the county taxes came pouring in so fast that I didn't have time to take the stuff to the bank for a week. I just shoved the checks into a cigar box and the money into a sack, and locked them in the big safe that belonged to the sheriff's office.