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"Mr. Montgomery," he said unkindly loud, "this gentleman is opening an account, he will deposit fifty-six dollars. Good morning."

I rose.

A big iron door stood open at the side of the room.

"Good morning," I said, and stepped into the safe.

"Come out," said the manager coldly, and showed me the other way.

I went up to the accountant's wicket and poked the ball of money at him with a quick convulsive movement as if I were doing a conjuring trick.

My face was ghastly pale.

"Here," I said, "deposit it." The tone of the words seemed to mean, "Let us do this painful thing while the fit is on us."

He took the money and gave it to another clerk.

He made me write the sum on a slip and sign my name in a book. I no longer knew what I was doing. The bank swam before my eyes.

"Is it deposited?" I asked in a hollow, vibrating voice.

"It is," said the accountant.

"Then I want to draw a cheque."

My idea was to draw out six dollars of it for present use. Someone gave me a chequebook through a wicket and someone else began telling me how to write it out. The people in the bank had the impression that I was an invalid millionaire. I wrote something on the cheque and thrust it in at the clerk. He looked at it.

"What! are you drawing it all out again?" he asked in surprise. Then I realized that I had written fifty-six instead of six. I was too far gone to reason now. I had a feeling that it was impossible to explain the thing. All the clerks had stopped writing to look at me.

Reckless with misery, I made a plunge.

"Yes, the whole thing."

"You withdraw your money from the bank?"

"Every cent of it."

"Are you not going to deposit any more?" said the clerk, astonished.

"Never."

An idiot hope struck me that they might think something had insulted me while I was writing the cheque and that I had changed my mind. I made a wretched attempt to look like a man with a fearfully quick temper.

The clerk prepared to pay the money.

"How will you have it?" he said.

"What?"

"How will you have it?"

"Oh"β€”I caught his meaning and answered without even trying to thinkβ€”"in fifties."

He gave me a fifty-dollar bill.

"And the six?" he asked dryly.

"In sixes," I said.

He gave it me and I rushed out.

As the big door swung behind me I caught the echo of a roar of laughter that went up to the ceiling of the bank. Since then I bank no more. I keep my money in cash in my trousers pocket and my savings in silver dollars in a sock.







Lord Oxhead's Secret A ROMANCE IN ONE CHAPTER

It was finished. Ruin had come. Lord Oxhead sat gazing fixedly at the library fire. Without, the wind soughed (or sogged) around the turrets of Oxhead Towers, the seat of the Oxhead family. But the old earl heeded not the sogging of the wind around his seat. He was too absorbed.

Before him lay a pile of blue papers with printed headings. From time to time he turned them over in his hands and replaced them on the table with a groan. To the earl they meant ruinβ€”absolute, irretrievable ruin, and with it the loss of his stately home that had been the pride of the Oxheads for generations. More than thatβ€”the world would now know the awful secret of his life.

The earl bowed his head in the bitterness of his sorrow, for he came of a proud stock. About him hung the portraits of his ancestors. Here on the right an Oxhead who had broken his lance at Crecy, or immediately before it. There McWhinnie Oxhead who had ridden madly from the stricken field of Flodden to bring to the affrighted burghers of Edinburgh all the tidings that he had been able to gather in passing the battlefield. Next him hung the dark half Spanish face of Sir Amyas Oxhead of Elizabethan days whose pinnace was the first to dash to Plymouth with the news that the English fleet, as nearly as could be judged from a reasonable distance, seemed about to grapple with the Spanish Armada. Below this, the two Cavalier brothers, Giles and Everard Oxhead, who had sat in the oak with Charles II. Then to the right again the portrait of Sir Ponsonby Oxhead who had fought with Wellington in Spain, and been dismissed for it.

Immediately before the earl as he sat was the family escutcheon emblazoned above the mantelpiece. A child might read the simplicity of its proud significanceβ€”an ox rampant quartered in a field of gules with a pike dexter and a dog intermittent in a plain parallelogram right centre, with the motto, "Hic, haec, hoc, hujus, hujus, hujus."

"Father!"β€”The girl's voice rang clear through the half light of the wainscoted library. Gwendoline Oxhead had thrown herself about the earl's neck. The girl was radiant with happiness. Gwendoline was a beautiful girl of thirty-three, typically English in the freshness of her girlish innocence. She wore one of those charming walking suits of brown holland so fashionable among the aristocracy of England, while a rough leather belt encircled her waist in a single sweep. She bore herself with that sweet simplicity which was her greatest charm. She was probably more simple than any girl of her age for miles around. Gwendoline was the pride of her father's heart, for he saw reflected in her the qualities of his race.

"Father," she said, a blush mantling her fair face, "I am so happy, oh so happy; Edwin has asked me to be his wife, and we have plighted our trothβ€”at least if you consent. For I will never marry without my father's warrant," she added, raising her head proudly; "I am too much of an Oxhead for that."

Then as she gazed into the old earl's stricken face, the girl's mood changed at once. "Father," she cried, "father, are you ill? What is it? Shall I ring?" As she spoke Gwendoline reached for the heavy bell-rope that hung beside the wall, but the earl, fearful that her frenzied efforts might actually make it ring, checked her hand. "I am, indeed, deeply troubled," said Lord Oxhead, "but of that anon. Tell me first what is this news you bring. I hope, Gwendoline, that your choice has been worthy of an Oxhead, and that he to

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