The eyes were this girl’s distinguishing feature. They remained so long after all her loveliness and fairness had changed and failed. They were large, blue, white-lidded, heavily fringed with lashes darker than her hair. And they looked at you, at him, at all the world and the weather, calmly, from beneath long, sweeping brows, as if these brows were the slender wings of the thoughts she had when she looked at you.

This is what a girl is, and nothing more—loveliness, innocence, and the wordless sweet desire of herself. You cannot predict her. Anything may change her; one thing only is certain—she is sure to change. The woman will be profoundly different. This is why writers of mere fiction have discarded the young girl heroine. Nothing can make her interesting but a tragedy, until she develops her human perversities and attributes, which may require more years than the tale can afford.

Helen walked sedately through Wiggs Street, as if every window of every house was an eye that observed her. But when she came to the end, where this street entered the public square, her gait changed, much as your voice changes inflection according to the tune you sing. This was a livelier tune now to which she walked. She stepped along briskly, prettily. Her skirts whisked, her body swayed a little as if this might turn out to be a waltz. Every shop window she passed was a mirror, in which she caught an encouraging glimpse of herself. Once she halted long enough to draw the brim of her hat forward and sidewise. Then she went on, the published truth of herself at last. And her own mother would not have known her.

Few mothers, even in that prunes-and-prism period, relatively speaking, would have recognized their daughters abroad. But every man would. It is Nature having her way, you understand, and no harm done; because in the end these maidens must—and they will—take Nature, which after all is the very nearest relative of maidenhood, into their confidence and be guided by her.

The First National Bank of Shannon was no great institution. Still it was modestly conspicuous. What I mean is that you could tell at a glance and from a distance that this was a bank, not a doctor’s office, by the tall cement columns in front, the only example of four-legged magnificence in the shakily diversified architecture surrounding this square.

But Mr. George William Cutter would never have thought of exalting himself in a private office with a ground glass door, showing the title “President,” published on this door. He sat at a rolled-top desk in a space reserved for him to the left of the door, by a stout oaken banister which divided it from the lobby. The only distinction he permitted himself was to sit with his back to the window which looked on the square. What was more to the point he faced the long cage of the bank proper, and was always in a position to see, know or at least shrewdly infer what was going on inside and outside in the lobby.

But if you were a customer, seeking a loan or even planning to open an account, you must come in and face about before you could face the president. There was dignity, financial assurance, but no offensive pride, in his sitting posture to the public. He was a man with a recognized girth, not entirely bald. His hair was gray; so was his short, clipped mustache. He wore light gray clothes in summer and dark gray clothes in the winter. And he had a fine strong commercial countenance. He might almost have cashed it, his face was so well certified by a pair of shrewd gray eyes, as distinguished from the cunning of similar eyes.

On this June afternoon he sat reared back, his coat thrust clear of the wide expanse of his white shirt front, like the wings of an old gray rooster cocked up on a hot day. He was smoking a black cigar. From time to time he shot a glance into the cage of the bank; and each time the corners of his mouth went up, the fired end of the cigar also went up, his eyes narrowed to a mere gray slit of light as sharp as a lance, and his whole face crinkled into an expression of humor and satisfaction. Sometimes an experienced turfman so regards a young and mettlesome colt that is being broken to the gait, when the colt acts up to his breeding, takes the bit and goes, even if he does waste wind and sweat in the performance.

Directly in line with his vision a tall, broad-shouldered young man was standing before an adding machine in his shirt sleeves. This was George William Cutter, Junior, inducted into the rear end of the banking business a week since. He was working furiously with the halting earnestness of a man not accustomed to grind up figures in a machine and pedal them out on a long strip of paper with his foot. His hair was red and stood up like a torch on his head. His mouth was warped, his nose snarled, his face was flushed and there was an angry squint in his red brown eyes as he struck the keys, jerked the lever and slammed the pedal once in so often—forty little movements that kept the muscles of his big body in a sort of frivolous activity.

Mr. Cutter, Senior, was thinking: “He’s got it in him, the go. He will make good if he can be made to stick. Ought to marry, ought’er marry right now. That would stamp him down to it.”