But on this occasion Neale did not stare admiringly at the old church, nor at the pilastered Moot Hall, nor at the toppling gables: his eyes were fixed on something else, something unusual. As soon as he walked out of the door of the house in which he lodged he saw his two fellow-clerks, Shirley and Patten, standing on the steps of the hall by which entrance was joined to the bank and to the bank-house. They stood there looking about them. Now they looked towards Finkleway—a narrow street which led to the railway station at the far end of the town. Now they looked towards Middlegate—a street which led into the open country, in the direction of Ellersdeane, where Mr. Gabriel Chestermarke, senior proprietor of the bank, resided. All that was unusual. If Patten, a mere boy, had been lounging there, Neale would not have noticed it. But it was Shirley's first duty, on arriving every morning, to get the keys at the house door, and to let himself into the bank by the adjoining private entrance. It was Patten's duty, on arrival, to take the letter-bag to the post-office and bring the bank's correspondence back in it. Never, in all his experience, had Neale seen any of Chestermarke's clerks lounging on the steps at nine o'clock in the morning, and he quickened his pace. Shirley, turning from a prolonged stare towards Finkleway, caught sight of him.

"Can't get in," he observed laconically, in answer to Neale's inquiring look. "Mr. Horbury isn't there, and he's got the keys."

"What do you mean—isn't there!" asked Neale, mounting the steps. "Not in the house?"

"Mean just what I say," replied Shirley. "Mrs. Carswell says she hasn't seen him since Saturday. She thinks he's been week-ending. I've been looking out for him coming along from the station. But if he came in by the 8.30, he's a long time getting up here. And if he hasn't come by that, there's no other train till the 10.45."

Neale made no answer. He, too, glanced towards Finkleway, and then at the church clock. It was just going to strike nine—and the station was only eight minutes away at the most. He passed the two junior clerks, went down the hall to the door of the bank-house, and entered. And just within he came face to face with the housekeeper, Mrs. Carswell.

Mrs. Carswell had kept house for Mr. John Horbury for some years—Neale remembered her from boyhood. He had always been puzzled about her age. Of late, since he knew more of grown-up folk, he had been still more puzzled. Sometimes he thought she was forty; sometimes he was sure she could not be more than thirty-two or three. Anyway, she was a fine, handsome woman—tall, perfectly shaped, with glossy black hair and dark eyes, and a firm, resolute mouth. It was rarely that Mrs. Carswell went out; when she did, she was easily the best-looking woman in Scarnham. Few Scarnham people, however, had the chance of cultivating her acquaintance; Mrs. Carswell kept herself to herself and seemed content to keep up her reputation as a model housekeeper. She ordered Mr. Horbury's domestic affairs in perfect fashion, and it had come upon Neale as a surprise to hear Shirley say that Mrs. Carswell did not know where the manager was.

"What's all this?" he demanded, as he met her within the hall. "Shirley says Mr. Horbury isn't at home? Where is he, then?"

"But I don't know, Mr. Neale," replied the housekeeper. "I know no more than you do. I've been expecting him to come in by that 8.30 train, but he can't have done that, or he'd have been up here by now."

"Perhaps it's late," suggested Neale.

"No—it's in," she said. "I saw it come in from my window, at the back. It was on time. So—I don't know what's become of him."