As has been stated, Colby Hall was located about half a mile out of Haven Point. On the other side of the town was located Clearwater Hall, a boarding school for girls. During a panic in a moving picture theater in the town, Jack and his cousins had become acquainted with a number of these girls, including Ruth Stevenson and May Powell. After that the four boys had taken four of the girls rowing on the lake and on other outings, and through this had become quite well acquainted with a number of the Clearwater Hall pupils. Jack was particularly interested in Ruth Stevenson, and thought her a very beautiful and entertaining young lady. The others did not seem to have any particular preference, although Fred was often seen to side up to May Powell, the entertaining cousin of Spouter.

And now, having introduced these young ladies in a proper manner, let us return to them at the time when they were struggling on the ice and in the midst of the frightened crowd rushing hither and thither, striving to save itself from being immersed in the icy waters of the lake.

"Oh! oh! What shall we do?" cried May in terror, as she clung to her companion's arm.

"Come on! We'll have to skate away from here!" burst out Ruth. "Come! let us see if we can't get to shore," and she started off, her companion still clinging to her.

In the meanwhile, Jack and Randy were skating as fast as possible in the direction where they had seen the two girls. But now a crowd of cadets and town folks swept in front of them, and the next instant Randy was hurled flat on his back and went spinning across the smooth ice.

By this time one of the spots on the lake had broken through, and the water was rapidly rising all around it and covering the sinking surface. Men, women and children mingled with the cadets and hurried in all directions, but most of them toward the shore.

"Come on! We've got to help those girls somehow!" panted Jack, as he skated over to where Randy had been flung. He assisted his cousin to his feet just as Fred and Andy flashed up.

"The girls! Don't you see them over there? They are going down!" yelled Fred.

"Yes, I see them! Come on!" answered Jack.

As tired as he was because of the race, the oldest Rover struck out with all the vigor he could muster. Soon he found himself sloshing through water that was several inches deep. The next moment he stood beside the two girls, who had become almost too frightened to move.