"Yes, you know you and Mr. Damon and Mr. Sharp captured the bank robbers, and got back most of the money."

"I guess I do remember it! I wish you could have seen the gang when we raided them from the clouds, in our airship!"

"Well, you know Andy Foger hoped to collect the five thousand dollars reward for telling the police that you were the thief, and of course he got fooled, for you got the reward. Mr. Foger expected his son would collect the money, and when Andy got left, it made him sore. He's had a grudge against Mr. Pendergast, and all the other bank officials ever since, and now he's going to start a rival bank. So that's why I said it was partly due to you."

"Oh, I see. I thought at first you meant that it was on account of something that happened the other day."

"What was that?"

"Andy, Sam and Pete got the contents of a bottle of stove blacking," and Tom related the occurrence, at which Ned laughed heartily.

"I wouldn't be surprised though," added Ned, "to learn that Mr. Foger started the new bank more for revenge than anything else."

"So that's the reason you've been working late, eh?" went on Tom. "Getting ready for competition. Do you think a new bank will hurt the one you're with?"

"Well, it might," admitted Ned. "It's bound to make a change, anyhow, and now that I have a good position I don't want to lose it. I take more of an interest in the institution now that I'm assistant cashier, than I did when I was a clerk. So, naturally, I'm a little worried."

"Say, don't let it worry you," begged Tom, earnestly.