But all this while the steam has been fiercely chafing through the funnel as we have been stopping at Gourock quay. We are away at last, and are now crossing the Frith towards the Argyleshire side. A mile or two down, along the Ayrshire side, backed by the rich woods of Ardgowan, tall and spectral-white, stands the Cloch lighthouse. We never have looked at it without thinking how many a heart-broken emigrant must be remembering that severely simple white tower as almost the last thing he saw in Scotland when he was leaving it for ever. The Frith opens before us as we advance: we are running at the rate (quite usual among Clyde steamers) of sixteen or seventeen miles an hour. There, before us, is Cumbrae: over Bute and over Cumbrae look the majestic mountains of Arran; that great granite peak is Goat-fell. And on a clear day, far out, guarding the entrance to the Frith, rising sheer up from the deep sea, at ten miles' distance from the nearest land, looms Ailsa, white with sea-birds, towering to the height of twelve or thirteen hundred feet. It is a rocky islet of about a mile in circumference, and must have been thrown up by volcanic agency; for the water around it is hundreds of feet in depth.

Out in the middle of the Frith we can see the long, low, white line of buildings on either side of it, nestling at the foot of the hills. We are drawing near Dunoon. That opening on the right is the entrance to Loch Long and Loch Goyle; and a little further on we pass the entrance to the Holy Loch, on whose shore is the ancient burying-place of the family of Argyle. How remarkably tasteful many of these villas are! They are generally built in the Elizabethan style: they stand in grounds varying from half an acre up to twenty or thirty acres, very prettily laid out with shrubbery and flowers; a number (we can see, for we are now skirting the Argyleshire coast at the distance of only a few hundred yards) have conservatories and hot-houses of more or less extent: flagstaffs appear to be much affected (for send a landsman to the coast, and he is sure to become much more marine than a sailor): and those pretty bow-windows, with the crimson fuchsias climbing up them—those fantastic gables and twisted chimneys—those shining evergreens and cheerful gravel walks—with no lack of pretty girls in round hats, and sportive children rolling about the trimly-kept grass plots—all seen in this bright August sunshine—all set off against this blue smiling expanse of sea—make a picture so gay and inviting, that we really do not wonder any more that Glasgow people should like to 'go down the water.'

Here is Dunoon pier. Several of the coast places have, like Dunoon, a long jetty of wood running out a considerable distance into the water, for the accommodation of the steamers, which call every hour or two throughout the day. Other places have deep water close in-shore, and are provided with a wharf of stone. And several of the recently founded villages (and half of those we have enumerated have sprung up within the last ten years) have no landing-place at which steamers can touch; and their passengers have to land and embark by the aid of a ferry-boat. We touch the pier at last: a gangway is hastily thrown from the pier to the steamer, and in company with many others we go ashore. At the landward end of the jetty, detained there by a barrier of twopence each of toll, in round hats and alpaca dresses, are waiting our friend's wife and children, from whom we receive a welcome distinguished by that frankness which is characteristic of Glasgow people. But we do not intend so far to imitate the fashion of some modern tourists and biographers, as to give our readers a description of our friend's house and family, his appearance and manners. We shall only say of him what will never single him out—for it may be said of hundreds more—that he is a wealthy, intelligent, well-informed, kind-hearted Glasgow merchant. And if his daughters did rather bore us by their enthusiastic descriptions of the sermons of 'our minister,' Mr. Macduff, the still grander orations of Mr. Caird, and the altogether unexampled eloquence of Dr. Gumming, why, they were only showing us a thoroughly Glasgow feature; for nowhere in Britain, we should fancy, is there so much talk about preaching and preachers.

In sailing down the Frith, one gets no just idea of the richness and beauty of its shores. We have said that a little strip of fine soil,—in some places only fifty or sixty yards in breadth,—runs like a ribbon, occasionally broadening out to three or four times that extent, along the sea-margin; beyond this ribbon of ground come the wild moor and mountain. In sailing down the Frith, our eye is caught by the large expanse of moorland, and we do not give due importance to the rich strip which bounds it, like an edging of gold lace (to use King James's comparison) round a russet petticoat. When we land we understand things better. We find next the sea, at almost any point along the Frith, the turnpike road, generally nearly level, and beautifully smooth. Here and there, in the places of older date, we find quite a street of contiguous houses; but the general rule is of detached dwellings of all grades, from the humblest cottage to the most luxurious villa. At considerable intervals, there are residences of a much higher class than even this last, whose grounds stretch for long distances along the shore. Such places are Ardgovvan, Kelly, Skelmorlie Castle, and Kelburne, on the Ayrshire side; and on the other shore of the Frith, Roseneath Castle, Toward Castle, and Mountstuart. [Footnote: Ardgowan, residence of Sir Michael Shaw Stewart; Kelly, Mr. Scott; Skelmorlie, the Earl of Eglinton; Kelburne, the Earl of Glasgow; Roseneath, the Duke of Argyle; Toward, Mr. Kirkwall Finlay Mountstuart, the Marquis of Bute.] And of dwellings of a less ambitious standing than these really grand abodes, yet of a mark much above that suggested by the word villa, we may name the very showy house of Mr. Napier, the eminent maker of marine steam-engines, on the Gareloch, a building in the Saracenic style, which cost we are afraid to say how many thousand pounds; the finely-placed castle of Wemyss, built from the design of Billings; and the very striking piece of baronial architecture called Knock Castle, the residence of Mr. Steel, a wealthy shipbuilder of Greenock. The houses along the Frith are, in Scotch fashion, built exclusively of stone, which is obtained with great facility. Along the Ayrshire coast, the warm-looking red sandstone of the district is to be had everywhere, almost on the surface. One sometimes sees a house rising, the stone being taken from a deep quarry close to it: the same crane often serving to lift a block from the quarry, and to place it in its permanent position upon the advancing wall. We have said how rich is vegetation all along the Frith, until we reach the sandy downs from Ardrossan to Ayr. All evergreens grow with great rapidity: ivy covers dead walls very soon. To understand in what luxuriance vegetable life may be maintained close to the sea-margin, one must walk along the road which leads from the West Bay at Dunoon towards Toward. We never saw trees so covered with honeysuckle; and fuchsias a dozen feet in height are quite common. In this sweet spot, in an Elizabethan house of exquisite design, retired within grounds where fine taste has done its utmost, resides, during the summer vacation (and the summer vacation is six months!), Mr. Buchanan, the Professor of Logic in the University of Glasgow. It must be a very fair thing to teach logic at Glasgow, if the revenue of that chair maintains the groves and flowers, and (we may add) the liberal hospitalities, of Ardflllane.

One pleasing circumstance about the Frith of Clyde, which we remark the more from its being unhappily the exception to the general rule in Scotland, is the general neatness and ecclesiastical character of the churches. The parish church of Dunoon, standing on a wooded height, rising from the water, with its grey tower looking over the trees, is a dignified and commanding object. The churches of Roseneath and Row, which have been built within a year or two, are correct and elegant specimens of ecclesiastical Gothic: indeed they are so thoroughly like churches, that John Knox would assuredly have pulled them down had they been standing in his day. And here and there along the coast the rich Glasgow merchants and the neighbouring proprietors have built pretty little chapels, whose cross-crowned gables, steep-pitched roofs, dark oak wood-work, and stained windows, are pleasant indications that old prejudice lias given way among cultivated Scotchmen; and that it has come to be understood that it is false religion as well as bad taste and sense to make God's house the shabbiest, dirtiest, and most uncomfortable house in the parish. Some of these sea-side places of worship are crowded in summer by a fashionable congregation, and comparatively deserted in winter when the Glasgow folks are gone.

A very considerable number of the families that go 'down the water' occupy houses which are their own property. There must be, one would think, a special interest about a house which is one's own. A man must become attached to a spot where he himself planted the hollies and yews, and his children have marked their growth year by year. Still, many people do not like to be tied to one place, and prefer varying their quarters each season. Very high rents are paid for good houses on the Frith of Clyde. From thirty to fifty pounds a month is a common charge for a neat villa at one of the last founded and most fashionable places. A little less is charged for the months of August and September than for June and July; and if a visitor takes a house for the four months which constitute the season, he may generally have it for May and October without further cost, Decent houses or parts of houses (flats as they are called), may be had for about ten pounds a month; and at those places which approach to the character of a town, as Largs, Eothesay, and Dunoon, lodgings may be obtained where attendance is provided by the people of the house.

A decided drawback about the sea-side places within twenty miles from Greenock, is their total want of that fine sandy beach, so firm and dry and inviting when the tide is out, which forms so great an attraction at Ardrossan, Troon, and Ayr. At a few points, as for instance the West Bay at Dunoon, there is a beautiful expanse of yellow sand: but as a rule, where the shore does not consist of precipitous rocks, sinking at once into deep water, it is made of great rough stones, which form a most unpleasant footing for bathers. In front of most villas a bathing place is formed by clearing the stones away. Bathing machines, we should mention, are quite unknown upon the Frith of Clyde.

So much for the locality which is designated by the phrase, Down the Water: and now we can imagine our readers asking what kind of life Glasgow people lead there. Of course there must be a complete breaking up of all city ways and habits, and a general return to a simpler and more natural mode of living. Our few days at Dunoon, and a few days more at two other places on the Frith, were enough to give us some insight into the usual order of things. By seven or half-past seven o'clock in the morning the steam is heard by us, as we are snug in bed, fretting through the waste-pipe of the early boat for Glasgow; and with great complacency we picture to ourselves the unfortunate business-men, with whom we had a fishing excursion last night, already up, and breakfasted, and hurrying along the shore towards the vessel which is to bear them back to the counting-house and the Exchange. Poor fellows! They sacrifice a good deal to grow rich. At each village along the shore the steamer gets an accession to the number of her passengers; for the most part of trim, close-shaved, well-dressed gentlemen, of sober aspect and not many words; though here and there comes some whiskered and moustached personage, with a shirt displaying a pattern of ballet-dancers, a shooting coat of countless pockets, and trousers of that style which, in our college days, we used to call loud. A shrewd bank-manager told us that he always made a mental memorandum of such individuals, in case they should ever come to him to borrow money. Don't they wish they may get it! The steamer parts with her entire freight at Greenock, whence an express train rapidly conveys our friends into the heat and smoke of Glasgow. Before ten o'clock all of them are at their work. For us, who have the day at our own disposal, we have a refreshing dip in the sea at rising, then a short walk, and come in to breakfast with an appetite foreign to Paper Buildings. It is quite a strong sensation when the post appears about ten o'clock, bearing tidings from the toiling world we have left behind. Those families who have their choice dine at two o'clock—an excellent dinner hour when the day is not a working one: the families whose male members are in town, sometimes postpone the most important engagement of the day till their return at six or half-past six o'clock. As for the occupations of the day, there are boating and yachting, wandering along the beach, lying on the heather looking at Arran through the sun-mist, lounging into the reading-room, dipping into any portion of The Times except the leading articles, turning over the magazines, and generally enjoying the blessing of rest. Fishing is in high favour, especially among the ladies. Hooks baited with muscles are sunk to the ground by leaden weights (the fishers are in a boat), and abundance of whitings are caught when the weather is favourable. We confess we don't think the employment ladylike. Sticking the muscles upon the hooks is no work for fair fingers; neither is the pulling the captured fish off the hooks. And, even in the pleasantest company, we cannot see anything very desirable in sitting in a boat, all the floor of which is covered by unhappy whitings and codlings flapping about in their last agony. Many young ladies row with great vigour and adroitness. And as we walk along the shore in the fading twilight, we often hear, from boats invisible in the gathering shadows, music mellowed by the distance into something very soft and sweet. The lords of the creation have come back by the late boats; and we meet Pater-familias enjoying his evening walk, surrounded by his children, shouting with delight at having their governor among them once more. No wonder that, after a day amid the hard matter-of-fact of business life, he should like to hasten away to the quiet fireside and the loving hearts by the sea.

Few are the hard-wrought men who cannot snatch an entire day from business sometimes: and then there is a pic-nic. Glasgow folk have even more, we believe, than the average share of stiff dinner parties when in town: we never saw people who seemed so completely to enjoy the freshness and absence of formality which characterize the well-assorted entertainment al fresco. We were at one or two of these; and we cannot describe the universal gaiety and light-heartedness, extending to grave Presbyterian divines and learned Glasgow professors; the blue sea and the smiling sky; the rocky promontory where our feast was spread; its abundance and variety; the champagne which flowed like water; the joviality and cleverness of many of the men; the frankness and pretty faces of all of the women. [Footnote: We do not think, from what we hare seen, that Glasgow is rich in beauties; though pretty faces are very common. Times are improved, however, since the days of the lady who said, on being asked if there were many beauties in Glasgow, 'Oh no; very few; there are only THREE OF US.'] We had a pleasant yachting excursion one day; and the delight of a new sensation was well exemplified in the intense enjoyment of dinner in the cramped little cabin where one could hardly turn, And great was the sight when our host, with irrepressible pride, produced his preserved meats and vegetables, as for an Arctic voyage, although a messenger sent in the boat which was towing behind could have procured them fresh in ten minutes.

A Sunday at the sea-side, or as Scotch people prefer calling it, a Sabbath, is an enjoyable thing. The steamers that come down on Saturday evening are crammed to the last degree. Houses which are already fuller than they can hold, receive half-a-dozen new inmates,—how stowed away we cannot even imagine. We cannot but reject as apocryphal the explanation of a Glasgow tout, that on such occasions poles are projected from the upper windows, upon which young men of business roost until the morning. Late walks, and the spooniest of flirtations characterize the Saturday evening. Every one, of course, goes to church on Sunday morning; no Glasgow man who values his character durst stop away. We shall not soon forget the beauty of the calm Sunday on that beautiful shore: the shadows of the distant mountains; the smooth sea; the church-bells, faintly heard from across the water; the universal turning-out of the population to the house of prayer, or rather of preaching. It was almost too much for us to find Dr. Gumming here before us, giving all his old brilliancies to enraptured multitudes. We had hoped he was four hundred and odd miles off; but we resigned ourselves, like the Turk, to what appears an inevitable destiny. This gentleman, we felt, is really one of the institutions of the country, and no more to be escaped than the income-tax.