When they had nearly reached the church, Critchel proceeded to meet them with his hand extended. "Verily, good neighbor Hanz," said he, after greeting the old people with a hearty shake of the hand, "the people have had strange news to talk about for a week past." Critchel shook his head, looked serious, and taking Hanz by the arm, drew him aside. "This Chapman has fallen to the ground, they say."

"Mine friend Critchel," returned Hanz, leaning on his staff, and casting a look upward. "I tolds you tar pees un shust Got; and now you shees how dat shust Got he pees mine friend."

"Aye, verily," rejoined Critchel, "and he lets them what builds castles and lives like lords suffer their disappointments. Poor people like us, who work with their hands, stick to their lands, and pay their debts, have their castles in peace and contentment."

"Tar pees shust so much wisdom in vat you shays, mine friend Critchel. In dis world tar pees nothin' sartin. Dis Chapman, he puts his money in his pocket, and ven he gets his money in his pocket he gets rich and prout. Zen he goes to t' city so pig and prout as he can pe. Now he comes pack from t' city, mit his pig vrow, and tar pees nobody as makes one pow to his pig vrow. Above tar pees one shust Got, Critchel."

The misfortunes of the Chapman family, my reader must know, had been furnishing Nyack something to talk about for several months. But it was only with their return to town, which important event took place one morning during the last week, that the quiet of Nyack was disturbed and the gossips sent into a state of excitement. The family, indeed, returned as quietly as a family in misfortune could be expected to do, and put up at Bright's Inn, where, it was given out, they would live on the wreck of their fortune until Chapman could see his way clear for a new start in the world. But little was seen of Mrs. Chapman, of whom it was reported that she desired to live in retirement, and did not see visitors.

The lady, however, had resolved that Nyack should not turn up its nose without being kept in mind of the high social position the family had held in the city. And as a means of making the desired impression, and also of finding relief for her injured feelings, she had brought Napoleon Bowles into "retirement" with the family. And that faithful domestic accommodated his pride of a Sunday by dressing in his livery and top-boots, and walking out, to the astonishment and amusement of a crowd of curious urchins, who were sure to gather about him.

As for Chapman, he went about the town as if nothing had happened, renewing acquaintances, and declaring there was no honester man in the settlement than Hanz Toodleburg; that the charges against his honesty, and his connection with the Kidd Discovery Company, were all scandals, got up by bad men; and that he had been deceived by them himself.

During the few days Chapman had been in Nyack, he had made himself appear so good a friend of Hanz that the honest settlers not only began to express sympathy for him in his misfortunes, but to enquire what they could do to put him on his feet again. When, however, he told them it was not their sympathy he wanted, but their money to assist him in building a steamboat two hundred feet long, and that he had matured a plan for a railroad, so that they might ride from Nyack to New York in an hour, they became alarmed, put their heads together wisely, and declared the man mad beyond cure.

Here I must leave Chapman waiting to see his way clear. He came of that old round-head stock which, wanting its way always, ready to meddle with everything, never contented, ready to play the sycophant to gain power, selfish and arrogant in the use of it, is, nevertheless, found giving shape, action, and momentum to all our great enterprises. Out of all the trouble Chapman had caused Nyack, there had come some good that would be turned to account in the future. Misfortune had bowed, not broken his spirit. He was again prepared to invent a new religion, to build a church, to keep a boarding-house, to start a bank or run a steamboat—and all with modern improvements.

The little church bell was still ringing, and the crowd still kept increasing in numbers and cheerfulness. "The Dominie's coming! the Dominie's coming! The Dominie's coming!" was lisped by a score of lips, as the attention of the people was attracted down the road. There the old Dominie came, mounted on a clumsy-footed, big-headed, bay cob—a little bright-eyed girl, whose face was full of sweetness and love, and dressed in blue and white, riding behind him. His broad, kindly face, shadowed by a wide-brimmed hat, his flowing white hair, his quaintly cut coat, with the ample side pocket, and his long, white necktie, presented a picture so full of truth and simplicity as to be worthy of being preserved on canvas. He was, in truth, a figure belonging to an order of things that was fast passing way—at least along the banks of the Hudson.