He glanced at the little girl as he spoke.

“Tottie, dear,” said Mrs Bones, “you go out for a minute or two; I want to speak with Mr Sterling.”

“Yes, mother, and I’ll run round to the bank; I’ve got twopence more to put in,” said Tottie as she went out.

“Your lesson has not been lost, sir,” said the poor woman, with a faint smile; “Tottie has a good bit o’ money in the penny savings-bank now. She draws some of it out every time Abel brings us to the last gasp, but we don’t let ’im know w’ere it comes from. To be sure, ’e don’t much care. She’s a dear child is Tottie.”

“Thank the Lord for that, Molly. He is already answering our prayers,” said Mr Sterling. “Just trust Him, keep up heart, and persevere; we’re sure to win at last.”

When Tottie Bones left the dark and dirty den that was the only home she had ever known, she ran lightly out into the neighbouring street, and, threading her way among people and vehicles, entered an alley, ascended a stair, and found herself in a room which bore some resemblance to an empty schoolroom. At one corner there was a desk, at which stood a young man at work on a business-looking book. Before him were several children of various ages and sizes, but all having one characteristic in common—the aspect of extreme poverty. The young man was a gratuitous servant of the public, and the place was, for the hour at least, a penny savings-bank.

It was one of those admirable institutions, which are now numerous in our land, and which derive their authority from Him who said, “Gather up the fragments that remain, that nothing be lost.” Noble work was being done there, not so much because of the mere pence which were saved from the grog and tobacco shops, as because of the habits of thrift which were being formed, as well as the encouragement of that spirit of thoughtful economy, which, like the spirit of temperance, is one of the hand-maids of religion.

“Please, sir,” said Tottie to the penny banker, “I wants to pay in tuppence.”

She handed over her bank-book with the money. Receiving the former back, she stared at the mysterious figures with rapt attention.

“Please, sir, ’ow much do it come to now?” she asked.