'And how did you dare interfere with property of any kind,' exclaimed Mr. Bellows, his smothered indignation bursting forth, 'without consulting with me? Don't you know the landlord has the first claim on every thing till his bill is paid? Don't you know, too, you are simply doing the town business, and if you have any claim, the town must pay you for it?'

Well, that is so, I guess,' said the third. 'It is agin the town. I'll take my chances, for one—had rather settle it that way, any how.'

The result of the conference was, that the whole business, including the twenty dollars and seventy-two cents, was handed over to Mr. Bellows, leaving his colleagues to make out and collect their bill at leisure. Joel's aunt was written to, and freely gave her consent that the boy should go with his new friend. The latter promptly paid the bill at the inn, and the doctor for his services, and soon after paid his colleagues what they claimed, lest it might in the future be a subject of comment when Joel grew up.

He was a good man, this Mr. Bellows; not specially refined in manner, but possessing a delicacy of character and a lively sensibility which placed him among the ranks of nature's noblemen. He had been fortunate in business, and owned the principal store in the place, where he exercised a decided influence.

Little Joel gave promise of not disappointing his patron's expectations. In fact, he was a child of most engaging manners. His features were not regular, nor indeed handsome; but he had bright black eyes, a fine complexion, and an open, ingenuous countenance. He was treated by Mr. Bellows as considerately as if he were his own son. To be sure, Joel had some unpleasant scenes to pass through. As nothing is ever lost sight of in a small country village, the story of how he came to be living with Mr. Bellows was not forgotten. At school, occasionally, one of the boys would, on some slight provocation, point at him and call him 'Bellows's nigger,' or make faces and cry 'charity boy,' 'town's poor.' Now, fortunately, Joel had a happy, joyous nature—somewhat fiery and irascible, but still joyous—else he might have become morbidly miserable. As it was, these manifestations only provoked his anger, and led him forthwith into a rough-and-tumble fight, in which, whether victor or not, he always showed unquestionable pluck. If he came off second-best a dozen times, he went confidently into the thirteenth trial, brave as Bruce, and equally successful. At length the voice of gossip was hushed. Joel became the most popular lad in the village. Every body liked him, and what is better, he deserved it.

But the evil days came at last to good Mr. Bellows—came after years of happy, moderate, unclouded prosperity. First his wife died. This was when Joel was twenty years old, and Ellen Bellows seventeen. The illness was short, and the daughter was summoned from boarding-school in time only to attend her mother's funeral. Mr. Bellows, after that, as every body said, was an altered man. He could not bring his mind to business. Some people thought at times he acted strangely, by which they meant he was a little out of his head. Still, his affairs could not suffer while such a young man as Joel Burns was about. The fact is, in some things matters were even better managed than before. But great mistakes were made in the purchase of goods, which Mr. Bellows continued to attend to, and which Joel had too much respect for his benefactor to criticise. The succeeding year, speculation in wool ran high. Mr. Bellows was anxious to go into it. Joel took the freedom of begging him not to do so. The latter appeared to be persuaded; but he did what was worse than engaging actively in purchases, for then he would have had Joel's tact and energy to aid him. He lent his name to an acquaintance, for a very large amount, who was to go extensively into the scheme with him and divide the profits. The result was disastrous. Wool fell rapidly. An attempt was made to borrow money on it and hold it over to the next season—worse and worse; Mr. Bellows was ruined.

One morning, very early, several attachments were levied on his goods, and the store was shut up. One of the officers next proceeded to the house and took possession there, so that Mr. Bellows was now tied hand and foot.

I suppose few of my readers can appreciate what it is for a man to 'fail up' in the country. In our large cities, it is regarded, to be sure, as a misfortune, but one to which every merchant is exposed; and the usual course is to propose a compromise, obtain a release, and set cheerfully to work again, with loss of property, doubtless, but not with any damage to reputation. But in the country, failure is regarded as a disgrace, and a 'failed man' is looked and pointed at something as a felon would be.

When Joel Burns awoke in the morning and found every thing in the hands of the sheriff, he was astounded, for Mr. Bellows had not told him a word about his last year's operations. He perceived the amounts were larger than could ever be realized. He took in the whole situation at a glance. He hastened to consult with Mr. Bellows, but he was listened to with entire apathy. The merchant would say but little, and that was so incoherent and unintelligible, it was evident he was laboring under mental aberration. He continued moody through the day, and the next morning was found dead in his bed. He had severed an artery.

At this time Joel was in his twenty-second year. Already displaying extraordinary capacity in affairs, this event served to call out all his resources.