The two boys had now reached the banking house of Richard Goldwin. Their conversation, therefore, terminated as they entered the bank.

Just as the door was opened to them, Mr. Goldwin came out of his private office, and his eyes fell upon Herbert and Bob.

“What do you mean, sir, by appearing in this bank again?” he asked, with a stern glance at young Randolph.

It must be remembered that he believed the story told to him by Felix Mortimer, and therefore looked upon Herbert with grave suspicions, or even contempt.

The banker’s manner and implied insinuation wounded young Randolph’s pride, and his cheeks became crimson.

“If you are not already prejudiced, I think, sir, I can explain to your entire satisfaction,” said our young hero, with a native dignity well becoming his manliness.

“It’s jest what I told you yesterday mornin’,” put in Bob. “Foul play—that’s what it was.”

“I think I am not prejudiced to such an extent that I am incapable of dealing justly with you,” replied Mr. Goldwin, giving no heed to Bob’s remark.

“Thank you,” said Herbert. “I am sure you are not, and if you will listen to me, I will explain everything.”

“A mere explanation from you, however, will not convince me.”