"I'll follow him," he said to himself, "and it'll go hard if I don't get even with him for that trick he played on me."

But how did it happen that Andy did not recognize Fairfax?

For two reasons: First, because the adventurer was sitting behind him, and our hero faced the front of the room. Next, had he seen him, it was doubtful if he would have recognized a man whom he was far from expecting to see. For Fairfax was skilled in disguises, and no longer was the black-whiskered individual that we formerly knew him. From motives of prudence, he had shaved off his black hair and whiskers, and now appeared in a red wig, and whiskers of the same hue. If any of my readers would like to know how effectual this disguise is, let them try it, and I will guarantee that they won't know themselves when they come to look at their likeness in the mirror.

After disposing of what he had ordered, Andy also ordered a plate of apple dumpling, which he ate with great satisfaction.

"I wouldn't mind eatin' here every day," he thought. "Maybe I'll be in business here some day myself, and then I'll come here and dine."

Fairfax was through with his dinner, but waited till Andy arose. He then arose and followed him to the desk, where both paid at the same time. He was careless of recognition, for he felt confident in his disguise.

"Now," thought Andy, "I must go to the bank."

But he didn't know where the bank was. So, when he got into the street, he asked a gentleman whom he met: "Sir, can you direct me to the Merchants' Bank?"

"It is in State Street," said the gentleman. "I am going past it, so if you will come along with me, I will show you."

"Thank you, sir," said our hero, politely.