“I know nothing of him. Haven’t seen him for several days. When I last met him he seemed to be much depressed, poor fellow. I don’t wonder, considering the fortune he has lost. However, Wilkins’s father is sure to do the best he can for him. He feels so deeply having led him and the rest of us into this—though it was no fault of his, and he went in and suffered along with us. I couldn’t understand, however, what O’Rook meant by some wild remarks he made the other day about taking to the temperance line and going in for coffee and mutton chops up a holly-tree. I hope it hasn’t unseated his reason, poor fellow.”

While the trio were thus discussing O’Rook over a cup of tea, that bold Irishman was busily engaged “comforting the widdy” over a cup of coffee in Mrs Bancroft’s private parlour.

It is only just to O’Rook to say that he originally sought the widow from a simple desire to tell her of her husband’s sad end, which, as we have seen, had made a deep impression on his sympathetic heart. When, however, he found that the widow was young, cheery, and good-looking, his sympathy was naturally increased, and the feeling was not unnaturally intensified when he found her engaged in the management of so excellent an institution as the “Holly Tree Public House without Drink.” At first O’Rook confined his visits to pure sympathy; then, when he had allowed a “raisonable” time to elapse, he made somewhat warmer approaches, and finally laid siege to the widow’s heart. But the widow was obdurate.

“Why won’t ye have me, now?” asked the poor man one evening, with a perplexed look; “sure it’s not bad-lookin’ I am, though I’ve no occasion to boast of gud looks neither.”

“No, it’s not your looks,” said Mrs Bancroft with a laugh, as she raised her eyes from her knitting and looked at her sister Flo, who sat opposite, also knitting, and who took a smiling but comparatively indifferent view of the matter.

“Then it must be because I’m not owld enough. Sure if ye wait a year or two I’ll be as owld as yourself, every bit,” said O’Rook.

“No, it’s not that either,” said the widow.

“Ah, then, it can’t be because I’m poor,” persisted O’Rook, “for with this good business you don’t want money, an’ I’m great at cookin’, besides havin’ the willin’ hands that can turn to a’most anything. If ye’d seen me diggin’ for goold, bad luck to it, ye’d belaive what I tell ye. Ah!” he added with a sigh, “it’s a rich man I’d have been this day if that ship had only kep’ afloat a few hours longer. Well, well, I needn’t grumble, when me own comrades, that thought it so safe in the Blankow Bank, are about as badly off as me. When was it they began to suspec’ the bank was shaky?”

“Oh, long ago,” said Mrs Bancroft, “soon after the disappearance of Mr Luke, the cashier—”

“Mr who?” demanded O’Rook with a start.