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to live, and many new houses were being built. Every- where things were astir. The stock of the company had been oversubscribed, and almost every day men came into the bank and spoke of wanting to buy more. Only the day before a farmer had come in with two thousand dollars. The banker's mind began to se- crete the poison of his age. " After all, it's men like Steve Hunter, Tom Butterworth, Gordon Hart, and myself that have to take care of things, and to be in shape to do it we have to look out for ourselves," he soliloquized. Again he stared into Main Street. Tom Butterworth went out at the front door. He wanted to be by himself and think his own thoughts. Gordon Hart returned to the empty back room and standing by a window looked out into an alley- way. His thoughts ran in the same channel as those that played through the mind of the bank president. He also thought of men who wanted to buy stock in the company that was doomed to failure. He began to doubt the judgment of Hugh McVey in the matter of failure. " Such fellows are always pessimists," he told himself. From the window at the back of the bank, he could see over the roofs of a row of small sheds and down a residence street to where two new workingmen's houses were being built. His thoughts only differed from the thoughts of John Clark because he was a younger man. " A few men of the younger genera- tion, like Steve and myself will have to take hold of things," he muttered aloud. " We'll have to have money to work with. We'll have to take the responsibility of the ownership of money." At the front of the bank John Clark puffed at his cigar. He felt like a soldier weighing the chances