“Well, you see, you are not a member.”

The talk was continued for a good hour, and in the end, Mr. Hardy sent a note down to the bank introducing Mr. Mason, and relating the object of that gentleman’s call. By this means, the account was, for the time being, tied up so that Mr. Hardy could not touch it.

On Monday of the following week, Frank was in the store packing up a small order for delivery, when a dapper young man entered.

“Is Mr. Hardy around?” questioned the newcomer.

“No, sir; my father is at home with a crushed foot,” answered our hero.

“How did he crush it, in the store?”

“No; he had it crushed on the railroad.”

“Oh, was he in that wreck near here?”

“He was.”

“Then I suppose he’ll soak the railroad company good for it?”