Bert and Frank had joined a group of charming girls gathered at the stern of the steamer, and while pleasantly employed in making themselves agreeable were more than once disturbed by the noisy youngsters, who would persist in playing "chase."

"Some of you will be falling overboard if you don't take care," said Bert, warningly, to them. "Why don't you keep in the middle of the steamer?"

There was good ground for Bert's warning, as, across the stern of the old steamer, which had been a ferry boat in her early days, there was only a broad wooden bar placed so high that a child might almost walk under it without stooping.

But the careless children continued their play as the Mic-Mac ploughed her way back to the city. Presently a troop of them came racing down to the stern in chase of a golden-haired sprite, that laughingly ran before them. She was closely pursued by a boy about her own age, and in her eagerness to escape him she dodged underneath the bar that marked the line of safety. As she did so, the steamer gave a sudden lurch; and, poised perilously near the edge as the girl already was, it proved too much for her balance. She uttered a terrified shriek, grasped vainly at the bar now quite out of her reach, and, to the horror of those looking helplessly on, toppled over into the frothing, foaming water of the steamer's wake.

Instantly there was wild confusion on board the steamer. Scream after scream went up from the women, and all who could crowded madly toward the stern. If the girl was to be saved, immediate action was necessary. Bert did not stop to think. He could swim strongly and well. He would attempt her rescue.

"Frank, I'm after her," he cried, as he flung off his coat and hat.

"I'm with you," answered Frank, imitating his action; and before anyone else had thought of moving, the two boys, almost side by side, sprang into the heaving water with faces set toward the spot where a cloud of white showed them the little girl still floated. Putting forth all their speed, they reached her ere the buoyancy had left her clothing, and each seizing an arm of the poor child, who had just fainted through excess of fright, they prepared to battle for her life and their own.

They realised at once that it was to be no easy struggle. The steamer had been going at full speed, and although the engines were reversed at the first alarm, the impetus of her awkward bulk had carried her far away from the spot where the girl fell; and now the boys could just barely discern her through the deepening dusk. The harbour had been rough all day, and the waters still rolled uneasily. Fortunately, it was not very cold, or the swimmers' case had been well-nigh hopeless. As it was, the only chance of their deliverance hung upon their endurance. If their strength held out, they and the little one they had put themselves in peril to rescue would be saved.

She continued to be unconscious, her pretty face, that was so bright and rosy a few minutes before, now looking strangely white and rigid, and her golden curls clinging darkly about her neck, her broad straw hat, all water-soaked and limp, hanging over on one side.

"Surely she can't be dead already?" exclaimed Bert, anxiously, to Frank, as the two boys kept her and themselves afloat by treading water, one at either arm.