All of the city south of Market street, even down to Islais creek and out as far as Valencia street, was a smouldering ruin. Into the western addition and the Pacific avenue heights three broad fingers of fire were feeling their way with a speed that foretold the destruction of all the palace sites of the city before the night would be over.

There was no longer a downtown district. A blot of black spread from East street to Octavia, bounded on the south and north by Broadway and Washington streets and Islais creek respectively. Not a bank stood. There were no longer any exchanges, insurance offices, brokerages, real estate offices, all that once represented the financial heart of the city and its industrial strength.

Up Market street from the Ferry building to Valfira street nothing but the black fingers of jagged ruins pointed to the smoke blanket that pressed low overhead. What was once California, Sansome, and Montgomery streets was a labyrinth of grim blackened walls.

Chinatown was no more. Union square was a barren waste.

The Call building stood proudly erect, lifting its whited head above the ruin like some leprous thing and with all its windows, dead, staring eyes that looked upon nothing but a wilderness. The proud Flood building was a hollow shell.

The St. Francis Hotel, one time a place of luxury, was naught but a box of stone and steel.

Yet the flames leaped on exultantly. They leapt chasms like a waterfall taking a precipice. Now they are here, now there, always pressing on into the west and through to the end of the city.

It was supposed that the fire had eaten itself out in the wholesale district below Sansome street, and that the main body of the flames was confined to the district south of Market street, where the oil works, the furniture factories, and the vast lumber yards had given fodder into the mouth of the fire fiend.

Yet, suddenly, as if by perverse devilishness, a fierce wind from the west swept over the crest of Nob Hill and was answered by leaping tongues of flames from out of the heart of the ruins.

By 8:30 o’clock Montgomery street had been spanned and the great Merchants’ Exchange building on California street flamed out like the beacon torch of a falling star. From the dark fringe of humanity, watching on the crest of the California street hill, there sprang the noise of a sudden catching of the breath—not a sigh, not a groan—just a sharp gasp, betraying a stress of despair near to the insanity point.