Hodge and His Masters

by Richard Jefferies

Much of this country banking seems to have grown up in very recent times. Any elderly farmer out yonder in the noisy market would tell you that in his young days when he first did business he had to carry coin with him, especially if at a distance from home. It was then the custom to attend markets and fairs a long way off, such markets being centres where the dealers and drovers brought cattle. The dealers would accept nothing but cash; they would not have looked at a cheque had such a thing been proffered them. This old Bank prides itself upon the reputation it enjoyed, even in those days. It had the power of issuing notes, and these notes were accepted by such men, even at a great distance, the bank having so good a name. They were even preferred to the notes of the Bank of England, which at one time, in outlying country places, were looked on with distrust, a state of things which seems almost incredible to the present generation.

In those days men had no confidence. That mutual business understanding, the credit which is the basis of all commerce of the present time, did not exist. Of course this only applies to the country and to country trading; the business men of cities were years in advance of the agriculturists in this respect. But so good was the reputation of the old Bank, even in those times, that its notes were readily accepted. It is, indeed, surprising what a reputation some of the best of the country banks have achieved. Their names are scarcely seen in the money articles of the daily press. But they do a solid business of great extent, and their names in agricultural circles are names of power. So the old Bank here, though within an arrow shot of the green meadows, though on ordinary days a single clerk might attend to its customers, has really a valuable clientèle.

Of late years shrewd men of business discovered that the ranks of the British farmer offered a wonderful opportunity for legitimate banking. The farmer, though he may not be rich, must of necessity be the manager, if not the actual owner, of considerable capital. A man who farms, if only a hundred acres, must have some capital. It may not be his own—it may be borrowed; still he has the use of it. Here, then, a wide field opened itself to banking enterprise. Certainly there has been a remarkable extension of banking institutions in the country. Every market town has its bank, and in most cases two—branches of course, but banks to all intents and purposes. Branches are started everywhere.

The new Bank in this particular little town is not really new. It is simply a branch set up by a well-established bank whose original centre may perhaps be in another county. It is every whit as respectable as the other, and as well conducted. Its branch as yet lacks local antiquity, but that is the only difference. The competition for the farmer's business between these branches, scattered all over the length and breadth of the country, must of necessity be close. When the branch, or new Bank, came here, it was started in grand premises specially erected for it, in the most convenient situation that could be secured.

Till then the business of the old Bank had been carried on in a small and dingy basement. The room was narrow, badly lit, and still worse ventilated, so that on busy days both the clerks and the customers complained of the stuffy atmosphere. The ancient fittings had become worn and defaced; the ceiling was grimy; the conveniences in every way defective. When it was known that a new branch was to be opened the directors of the old Bank resolved that the building, which had so long been found inadequate, should be entirely renovated. They pulled it down, and the present magnificent structure took its place.

Thus this little country town now possesses two banks, whose façades could hardly be surpassed in a city. There is perhaps a little rivalry between the managers of the two institutions, in social as well as in business matters. Being so long established there the old Bank numbers among its customers some of the largest landed proprietors, the leading clergy, and solicitors. The manager coming into contact with these, and being himself a man of intelligence, naturally occupies a certain position. If any public movement is set on foot, the banks strive as to which shall be most to the fore, and, aided by its antiquity, the old Bank, perhaps, secures a social precedence. Both managers belong to the 'carriage people' of the town.

Hodge comes into the place, walking slowly behind cattle or sheep, or jolting in on a waggon. His wife comes, too, on foot, through the roughest weather, to fetch her household goods. His daughter comes into the hiring fair, and stands waiting for employment on the pavement in the same spot used for the purpose from time immemorial, within sight of the stately façades of the banks. He himself has stood in the market-place with reaping hook or hoe looking for a master. Humble as he may be, it is clear that the wealth in those cellars—the notes and the gold pushed over the counters in shovels—must somehow come from the labour which he and his immediate employer—the farmer—go through in the field.

It is becoming more and more the practice for the carter, or shepherd, who desires a new situation, to advertise. Instead of waiting for the chance of the hiring fair, he trudges into the market town and calls at the office of the oldest established local paper. There his wishes are reduced to writing for him, he pays his money, and his advertisement appears. If there is an farmer advertising for a man, as is often the case, he at the same time takes the address, and goes over to offer his services. The farmer and the labourer alike look to the advertisement columns as the medium between them.

The vitality and influence of the old-fashioned local newspaper is indeed a remarkable feature of country life. It would be thought that in these days of cheap literature, these papers, charging twopence, threepence, and even fourpence per copy, could not possibly continue to exist. But, contrary to all expectation, they have taken quite a fresh start, and possess a stronger hold than ever upon the agricultural population. They enter into the old homesteads, and every member of the farmer's family carefully scans them, certain of finding a reference to this or that subject or person in whom he takes an interest.

Some such papers practically defy competition. In the outlying towns, where no factories have introduced a new element, it is vain for the most enterprising to start another. The squire, the clergyman, the lawyer, the tenant-farmer, the wayside innkeeper stick to the old weekly paper, and nothing can shake it. It is one of the institutions of agriculture.