She had to pass through the square to get her horse, and she dreaded the possible encounter again with Albert Frazier. She felt relieved, on entering the square, to notice that he was not in sight. The plate-glass window of the bank, with its gilt-lettered sign, caught her eye. Why not try there to borrow the money, as a last resort? Perhaps the banker would consider lending her the money on her own name. She had heard of loans being made to women who had no security. Yes, she would try. It would be a last effort, but she must make it.
Entering the little building, she went to the opening in the wire netting and asked the cashier if Mr. Lingle were in. She was answered in the affirmative and directed to a half-closed door bearing the words, "The President's Office."
She opened the door without knocking, and saw the back and shaggy head of a man of sixty, without his coat, his collar and necktie loose, his sleeves rolled up, busy writing. Hearing her, he turned, suppressed a frown of impatience, stood up and bowed. His face was round, beardless, and reddish in tint.
"Oh, Miss Mary, how are you?" he asked, awkwardly extending a fat, perspiring hand. "Want to see me, eh, personally? Well, I'm at your service, though these are busy days for us. What can I do for you?"
Her voice seemed to have deserted her. She was conscious of the fear that no words at all would come from her, and yet immediately she heard herself speaking in a calm, steady tone. She was smiling, too, as if she knew that what she was saying had a touch of absurdity in it.
"I've come to bore you," she said. "I need some money, not on my father's account now, Mr. Lingle, for I know about his debt to you, but for myself, this time. I have no security beyond my word and promise to pay. It is a very serious matter, Mr. Lingle. You know about Tobe Keith's condition and that he must be sent to Atlanta. No one else will pay for it, and—"
"So you are going to mix yourself up in that mess, are you?" asked Lingle, frowning till his shaggy iron-gray brows met and all but overlapped. "If you were my daughter—Oh, what's the use? I'm not your teacher, but if you were in my charge I'd make you stay out of this. I know, I reckon, what's the matter. You feel responsible because your brothers were held accountable; that's like a woman. But all that is neither here nor there. I can't let you have any money at all. I'm going to be plain. Maybe it will open your eyes a little to the facts. My dear girl, I hold a mortgage on all the crops in the ground at your place, on the very tools, cattle, hogs, and horses. Your father—I hate to say it—but your father is as helpless in business matters as a new-born baby. He belongs to the old order. He is up to his neck in debt to every friend he has. I can't let him have any more money, and I can't let you have any. I wouldn't let you have it for what you want it even if you had good collateral to pin to your note. I couldn't conscientiously do it, for it would be throwing it away. That drunken roustabout hasn't one chance in a thousand to live, anyway, and the country would be better off without his brand. As for your brothers—well, you'd better keep them in the West. Men of your father's stamp don't have quite the influence they used to have. Our courts are being criticized for their lax methods so much that our judges and juries are becoming more careful in administering justice. If Tobe Keith dies—well, your brothers had better stay away, that's all."
"So there's no use asking you to—"
"No, Miss Mary, this bank can't mix up in such matters as that. Folks from up-to-date towns are making fun of us, too. One drummer was telling it around in Atlanta the other day that any stranger could cash a check here by simply inviting us to take a drink or handing us a cheap cigar. We are making new rules and sticking to them." With that the president of the bank turned toward his desk and reached out for a sheet of paper on which he had been writing.
"I thank you, Mr. Lingle," she faltered. "I am sure that you know best."