"Nathan Lawrence, cashier of the bank in Benton, has disappeared with twenty thousand dollars of the bank's money."

"What has that to do with father? He hasn't much money in that bank."

"Your father is on Mr. Lawrence's bond to the amount of six thousand dollars."

"I see," answered Andy, gravely, "How much will he lose?"

"The whole of it."

This, then, was what had happened. To a man in moderate circumstances, it must needs be a heavy blow.

"I suppose it will make a great difference?" said Andy, inquiringly.

"You can judge. Your father's property consists of this farm and three thousand dollars in government bonds. It will be necessary to sacrifice the bonds and place a mortgage of three thousand dollars on the farm."

"How much is the farm worth?"

"Not over six thousand dollars."