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Volume One – Chapter Three.
A Little Business of the Bank

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“Would you be kind enough to cash this little cheque for me, Mr Thickens?”

The speaker was Miss Heathery, in the morning costume of a plum-coloured silk dress, with wide-spreading bonnet of the same material, ornamented with several large bows of broad satin ribbon, and an extremely dilapidated bird of paradise plume. She placed her reticule bag, also of plum-colour, but of satin – upon the broad mahogany counter of Dixons’ Bank, Market Place, King’s Castor, and tried to draw the bag open.

This, however, was not so easy. When it was open all you had to do was to pull the thick silk cord strings, and it closed up tightly, but there was no similar plan for opening a lady’s reticule in the year 1818. It was then necessary to insert the forefingers of each hand, knuckle to knuckle, force them well down, and then draw, the result being an opening, out of which you could extract pocket-handkerchief, Preston salts, or purse. Thin fingers were very useful at such a time, and Miss Heathery’s fingers were thin; but she wore gloves, and the gloves of that period, especially those sold in provincial towns, were not of the delicate second-skin nature worn by ladies now. The consequence was that hard-featured, iron-grey haired, closely-shaven Mr James Thickens, in his buff waistcoat and stiff white cravat, had to stand for some time, with a very large quill pen behind his right ear, waiting till Miss Heathery, who was growing very hot and red, exclaimed:

“That’s it!” and drew open the bag.

But even then the cheque was not immediately forthcoming, for it had to be fished for. First there was Miss Heathery’s pocket-handkerchief, delicately scented with otto of roses; then there was the pattern she was going to match at Crumple’s, the draper’s; then her large piece of orris root got in the way, and had to be shaken on one side with the knitting, and the ball of Berlin wool, when the purse was found in the far corner.

Purses, too, in those days were not of the “open sesame” kind popular now. The porte-monnaie was not born, and ladies knitted long silken hose, with a slit in the middle, placed ornamental slide-rings and tassels thereon, and even went so far sometimes as to make these old-fashioned purses of beads.

Miss Heathery’s was of netted silk, however, orange and blue, and through the reticulations could be seen at one end the metallic twinkle of coins, at the other the subdued tint and cornerish distensions of folded paper.

“I’m afraid I’m keeping you, Mr Thickens,” said the lady in a sweet, bird-like chirp, as she drew one slide, and tried to coax the folded cheque along the hose, though it refused to be coaxed, and obstinately stuck its elbows out at every opening of the net.

Mr Thickens said, “Not at all,” and passed his tongue over his dry lips, and moved his long fingers as if he were a kind of human actinia, and these were his tentacles, involuntarily trying to get at the cheque.

“That’s it!” said Miss Heathery again with a satisfied sigh, and she handed the paper across the counter.

James Thickens drew down a pair of very strongly-framed, round-eyed, silver-mounted spectacles from where they had been resting close to his brushed up “Brutus,” and unfolded and smoothed out the slip of paper, spreading it on the counter, and bending over it so much that his glasses would have fallen off but for the fact that a piece of black silk shoe-string formed a band behind.

“Two thirteen six,” said Mr Thickens, looking up at the lady.

“Yes; two pounds thirteen shillings and sixpence,” she replied, in token of assent. And while she was speaking, Mr Thickens took the big quill pen from behind his ear, and stood with his head on one side in an attitude of attention till the word “sixpence” was uttered, when the pen was darted into a great shining leaden inkstand and out again, like a peck from a heron’s bill, and without damaging the finely-cut point. A peculiar cancelling mark was made upon the cheque, which was carried to a railed-in desk. A great book was opened with a bang, and an entry made, the cheque dropped into a drawer, and then, in sharp, business-like tones, Mr Thickens asked the question he had been asking for the last twenty years.

“How will you have it?”

Miss Heathery chirped out her wishes, and Mr Thickens counted out two sovereigns twice over, rattled them into a bright copper shovel, and cleverly threw them before the customer’s hand. A half-sovereign was treated similarly, but retained with the left hand till half-a-crown and a shilling were ready, then all these coins were thrust over together, without the copper shovel, and the transaction would have been ended, only that Miss Heathery said sweetly: “Would you mind, Mr Thickens, giving me some smaller change?”

Mr Thickens bowed, and, taking back the half-crown, changed it for two shillings and sixpence, all bearing the round, bucolic countenance of King George the Third, upon which Miss Heathery beamed as she slipped the coins in the blue and orange purse.

“I hope Mr Hallam is quite well, Mr Thickens.”

“Quite well, ma’am.”

“And the gold and silver fish?”

“Quite well, ma’am,” said Mr Thickens, a little more austerely.

“I always think it so curiously droll, Mr Thickens, your keeping gold and silver fish,” simpered Miss Heathery. “It always seems as if the pretty things had something to do with the bank, and that their scales – ”

“Would some day turn into sixpences and half-sovereigns, eh, ma’am?” said the bank clerk sharply. “Yes – exactly, Mr Thickens.”

“Ah, well, ma’am, it’s a very pretty idea, but that’s all. It isn’t solid.”

“Exactly, Mr Thickens. My compliments to Mr Hallam. Good-day.”

“If that woman goes on making that joke about my fish many more times, I shall kill her!” said James Thickens, giving his head a vicious rub. “An old idiot! I wish she’d keep her money at home. I believe she passes her time in writing cheques, getting ’em changed, and paying the money in again, as an excuse for something to do, and for the sake of calling here. I’m not such an ass as to think it’s to see me; and as to Hallam – well, who knows? Perhaps she means Sir Gordon. There’s no telling where a woman may hang up her heart.”

James Thickens returned to his desk after a glance down the main street, which looked as solemn and quiet as if there were no inhabitants in the place; so still was it, that no explanation was needed for the presence of a good deal of fine grass cropping up between the paving-stones. The houses looked clean and bright in the clear sunshine, which made the wonderfully twisted and floral-looking iron support of the “George” sign sparkle where the green paint was touched up with gold. The shadows were clearly cut and dark, and the flowers in the “George” window almost glittered, so bright were their colours. An elderly lady came across the market place, in a red shawl and carrying a pair of pattens in one hand, a dead-leaf tinted gingham umbrella in the other, though it had not rained for a month and the sky was without a cloud.

That red shawl seemed, as it moved, to give light and animation for a few minutes to the place; but as it disappeared round the corner by the “George,” the place was all sunshine and shadow once more. The uninhabited look came back, and James Thickens pushed up his spectacles and began to write, his pen scratching and wheezing over the thick hand-made paper till a tremendous nose-blowing and a quick step were heard, and the clerk said “Gemp.”

The next minute there was, the sharp tap of a stick on the step, continued on the floor, and the owner of that name entered with his coat tightly buttoned across his chest.

He was a keen-looking man of sixty, with rather obstinate features, and above all, an obstinate beard, which seemed as if it refused to be shaved, remaining in stiff, grey, wiry patches in corners and on prominences, as well as down in little ravines cut deeply in his face. His eyes, which were dark and sharp, twinkled and looked inquisitive, while, in addition, there was a restless wandering irregularity in their movements as if in turn each was trying to make out what its fellow was doing on the other side of that big bony nose.

“Morning, Mr Thickens, sir, morning,” in a coffee-grinding tone of voice; “I want to see the chief.”

“Mr Hallam? Yes; I’ll see if he’s at liberty, Mr Gemp.”

“Do, Mr Thickens, sir, do; but one moment,” he continued, leaning over and taking the clerk by the coat. “Don’t you think I slight you, Mr Thickens; not a bit, sir, not a bit. But when a man has a valuable deposit to make, eh? – you see? – it isn’t a matter of trusting this man or that; he sees the chief.”

Mr Gemp drew himself up, slapped the bulgy left breast of his buttoned-up coat, nodded sagely, and blew his nose with a snort like a blast on a cow-horn, using a great blue cotton handkerchief with white spots.

Mr James Thickens passed through a glass door, covered on the inner side with dark green muslin, and returned directly to usher the visitor into the presence of Robert Hallam, the business manager of Dixons’ Bank.

The room was neatly furnished, half office half parlour, and, but for a pair of crossed cutlasses over the chimney-piece, a bell-mouthed brass blunderbuss, and a pair of rusty flint-lock pistols, the place might have been the ordinary sitting-room of a man of quiet habits. There was another object though in one corner, which took from the latter aspect, this being the door of the cupboard which, instead of being ordinary painted panel, was of strong iron, a couple of inches thick.

“Morning, Mr Hallam, sir.”

“Good-morning, Mr Gemp.”

The manager rose from his seat at the baize-covered table to shake hands and point to a chair, and then, resuming his own, he crossed his legs and smiled blandly as he waited to hear his visitor’s business.

Mr Gemp’s first act was to spread his blue handkerchief over his knees, and then begin to stare about the room, after carefully hooking himself with his thick oak stick which he passed over his neck and held with both hands as if he felt himself to be rather an errant kind of sheep who needed the restraint of the crook.

“Loaded?” he said suddenly, after letting his eyes rest upon the fire-arms.

“Oh, yes, Mr Gemp, they are all loaded,” replied the manager smiling. “But I suppose I need not get them down; you are not going to make an attack?”

“Me? attack? eh? Oh, you’re joking. That’s a good one. Ha! ha! ha!”

Mr Gemp’s laugh was not pleasant on account of dental defects. It was rather boisterous too, and his neck shook itself free of the crook; but he hooked himself again, grew composed, and nodded once more in the direction of the chimney.

“Them swords sharp?”

“As razors, Mr Gemp.”

“Are they now? Well, that’s a blessing. Fire-proof, I suppose?” he added, nodding towards the safe.

“Fire-proof, burglar-proof, bank-proof, Mr Gemp,” said the manager smiling. “Dixons’ neglect nothing for the safety of their customers.”

“No, they don’t, do they?” said Mr Gemp, holding on very tightly to the stick, keeping himself down as it were and safe as well.

“No, sir, they neglect nothing.”

“I say,” said Mr Gemp, leaning forward, after a glance over his shoulder towards the bank counter, and Mr Thickens’s back, dimly seen through the muslin, “does the new parson bank here?”

The manager smiled, and looked very hard at the bulge in his visitor’s breast pocket, a look which involuntarily made the old man change the position of his hooked stick by bringing it down across his breast as if to protect the contents.

“Now, my dear Mr Gemp, you do not expect an answer to that question. Do you suppose I have ever told anybody that you have been here three times to ask me whether Dixons’ would advance you a hundred pounds at five per cent?”

“On good security, eh?” interposed the old man sharply; “only on good security.”

“Exactly, my dear sir. Why, you don’t suppose we make advances without?”

“No, of course not, eh? Not to anybody, eh, Mr Hallam?” said the old man eagerly. “You could not oblige me now with a hundred, say at seven and a half? I’m a safe man, you know. Say at seven and a half per cent, on my note of hand. You wouldn’t, would you?”

“No, Mr Gemp, nor yet at ten per cent. Dixons’ are not usurers, sir. I can let you have a hundred, sir, any time you like, upon good security, deeds or the like, but not without.”

“Ha! you are particular. Good way of doing business, sir. Hey, but I like you to be strict.”

“It is the only safe way of conducting business, Mr Gemp.”

“I say, though – oh, you are close! – close as a cash-box, Mr Hallam, sir; but what do you think of the new parson?”

“Quiet, pleasant, gentlemanly young man, Mr Gemp.”

“Yes, yes,” cried the visitor, hurting himself by using his crook quite violently, and getting it back round his neck; “but a mere boy, sir, a mere boy. He’s driven me away. I’m not going to church to hear him while there’s a chapel. I want to know what the bishop was a thinking about.”

“Ah? but he’s a scholar and a gentleman, Mr Gemp,” said the manager, blandly.

“Tchuck! so was the young doctor who set up and only lasted a year. If you were ill, sir, you wouldn’t have gone to he; you’d have gone to Dr Luttrell. If I’ve got vallerable deeds to deposit, I don’t go to some young clever-shakes who sets up in business, and calls himself a banker: I come to Dixons’.”

“And so you have some valuable deeds you want us to take care of for you, Mr Gemp,” said the manager sharply.

“Eh! I didn’t say so, did I?”

“Yes; and you want a hundred pounds. Shall I look at the deeds?”

Mr Gemp brought his oaken crook down over his breast, and his quick, shifty eyes turned from the manager to the lethal weapons over the chimney, then to the safe, then to the bank, and Mr Thickens’s back.

“I say,” he said at last, “arn’t you scared about being robbed?”

“Robbed! oh, dear no. Come, Mr Gemp. I must bring you to the point. Let me look at the deeds you have in your pocket; perhaps there will be no need to send them to our solicitor. A hundred pounds, didn’t you say?”

The old man hesitated, and looked about suspiciously for a few moments before meeting the manager’s eyes. Then he succumbed before the firm, keen, searching look.

“Yes,” he said slowly, “I said a hundred pounds, but I don’t want no hundred pounds. I want you – ”

He paused for a few moments with his hands at his breast, as if to take a long breath, and then, as if by a tremendous wrench, he mastered his fear and suspicion.

“I want you to take care of these for me.”

He tore open his breast and brought out quickly a couple of dirty yellow parchments and some slips of paper, roughly bound in a little leather folio.

The manager stretched his hand across the table and took hold of the parchments; but the old man held on by one corner for a few moments till Hallam raised his eyebrows and smiled, when the visitor uttered a deep sigh, and thrust parchments and little folio hastily from him.

“Lock ’em up in yonder iron safe,” he said hoarsely, taking up his blue handkerchief to wipe his brow. “It’s open now, but you’ll keep it locked, won’t you?”

“The deeds will be safe, Mr Gemp,” said the manager coolly throwing open the parchment. “Ah! I see, the conveyances to a row of certain messuages.”

“Yes, sir; row of houses, Gemp’s Terrace, all my own, sir; not a penny on ’em.”

“And these? Ah, I see, bank-warrants. Quite right, my dear sir, they will be safe. And you do not need an advance?”

“Tchuck! what should I want with an advance? There’s a good fifteen hundred pound there – all my own. Now you give me a writing, saying you’ve got ’em to hold for me, and that will do.”

The manager smiled as he wrote out the document, while Mr Gemp, who seemed as much relieved as if he had been eased of an aching tooth, rose to make a closer inspection of the loaded pistols and the bell-mouthed brass blunderbuss, all of which he tapped gently in turn with the hook of his stick.

“There you are, Mr Gemp,” said the manager smiling. “Now you can go home and feel at rest, for your deeds and warrants will be secure.”

“Yes, sir, to be sure; that’s the way,” said the old man, hastily reading the memorandum, and then placing it in a very old leather pocket-book; “but if you wouldn’t mind, sir, Mr Hallam, sir, I should like to see you lock them all in yonder.”

“Well, then, you shall,” said the manager good-humouredly and taking up the packets he tied them together with some green ferret, swung open the heavy door, which creaked upon its pivots, stepped inside, turned a key with a rattle, and opened a large iron chest, into which he threw the deeds, shut the lid with a clang, locked it ostentatiously, took out the key, backed out, and then closed and locked the great door of the safe.

“There, Mr Gemp; I think you’ll find they are secure now.”

“Safe! safe as the bank!” said the old man with an admiring smile as, with a sigh of relief, he picked up his old rough beaver hat from the floor, stuck it on rather sidewise, and with a short “good-morning,” stamped out, tapping the floor as he went.

“Good-morning, Mr Thickens, sir,” he said, pausing at the outer door to look back over his shoulder at the clerk. “I’ve done my bit o’ business with the manager. It’s all right.”

“Good-morning, Mr Gemp,” said Thickens quietly; and then to himself, as the tap of the stick was heard going down the street, “An important old idiot!”

Several little pieces of business were transacted, and then, according to routine, the manager came behind the counter to relieve his lieutenant, who put on his hat and went to his dinner.

During his absence the manager took his place at his subordinate’s desk, and was very busy making a few calculations, after divers references to a copy of yesterday’s Times, which came regularly by coach.

These calculations made him thoughtful, and he was in the middle of one when his face changed, and turned of a strange waxen hue, but he recovered himself directly.

“Might have expected it,” he said softly; and he went on writing as some one entered the bank.

The visitor was a thin, dejected-looking youth of about two-and-twenty, shabbily dressed in clothes that did not fit him. His face was of a sickly pallor, as if he had just risen from an invalid couch, an idea strengthened by the extremely shortly-cut hair, whose deficiency was made the more manifest by his wearing a hat a full size too large. This was drawn down closely over his forehead, his pressed-out ears acting as brackets to keep it from going lower still.

He was a tamed-down, feeble-looking being, but the spirit was not all gone, for as he came down the street, with the genial friendliness of all dogs towards one who seems to be a stranger and down in the world, Miss Heathery’s fat, ill-conditioned terrier, that she pampered under the belief that it was a dog of good breed, being in an evil temper consequent upon not having been taken for a walk by its mistress, rushed out baying, barking, and snapping at the stranger’s heels.

“Get out, will you?” he shouted; but the dog barked the more, and the stranger looked as if about to run. In fact he did run a few yards, but, as the dog followed, he caught up a flower-pot from a handy window-sill – every one had flower-pots at King’s Castor – and hurled it at the dog.

There was a yell, a crash, and explosion as if of a shell; Miss Heathery’s dog fled, and, without waiting to encounter the owner of the flower-pot, the stranger hurried round the corner, and after an inquiry or two, made for the bank.

“Vicious little beast! Wish I’d killed it,” he grumbled, giving the hat a hoist behind which necessitated another in front, and then the equilibrium adjusting at the sides. “Wonder people keep dogs,” he continued. “A nuisance. Wish I was a dog – somebody’s dog, and well fed. Lead a regular dog’s life, and get none of the bones. Perhaps I shall, though, now.”

The young man looked anything but a bank customer, but he did not hesitate. Merely stopping to give his coat a drag down, and then, tilting his hat slightly, he entered with a swagger, and walked up to the broad counter. Upon this he rested a gloveless hand, an act which seemed to give a little more steadiness to his weak frame.

“Rob,” he said.

The manager raised his head with an affected start.

“Oh, you don’t know me, eh?” said the visitor. “Well, I s’pose I am a bit changed.”

“Know you? You wish to see me?” said Hallam coolly.

“Yes, Mr Robert Hallam; I’ve come down from London on purpose. I couldn’t come before,” he added meaningly, “but now I want to have a talk with you.”

“Stephen Crellock! Why, you are changed.”

“Yes, as aforesaid.”

“Well, sir. What is it you want with me?” said the manager coldly.

“What do I want with you, eh? Oh, come, that’s rich! You’re a lucky one, you are. I go to prison, and you get made manager down here. Ah! you see I know all about it.”

“I do not understand you, sir.”

“Then I’ll tell you, my fine fellow. Some men never get found out, some do; that’s the difference between us two. I’ve gone to the wall – inside it,” he added, with a sickly grin. “You’ve got to be quite the gentleman. But they’ll find you out some day.”

“Well, sir, what is this to lead up to?” said Hallam.

“Oh, I say though, Rob Hallam, this is too rich. Manager here, and going, they say, to marry the prettiest girl in the place.” Hallam started in spite of his self-command. “And I suppose I shall be asked to the wedding, shan’t I?”

“Will you be so good as to explain what is the object of this visit?” said Hallam coldly.

“Why, can’t you see? I’ve come to the bank because I want some money. There, you need not look like that, my lad. It’s my turn now, and you’ve got to put things a bit straight for me after what I suffered sooner than speak.”

“Do you mean you have come here to insult me and make me send for a constable?” cried Hallam.

“Yes, if you like,” said the young man, leaning forward, and gazing full in the manager’s face; “send for one if you like. But you don’t like, Robert Hallam. There, I’m a man of few words. I’ve suffered a deal just through being true to my mate, and now you’ve got to make it up to me.”

“You scoun – ”

“Sh! That’ll do. Just please yourself, my fine fellow; only, if you don’t play fair towards the man who let things go against him without a word, I shall just go round the town and say – ”

“Silence, you scoundrel!” cried Hallam fiercely; and he caught his unpleasant visitor by the arm.

Just then James Thickens entered, as quietly as a shadow, taking everything in at a glance, but without evincing any surprise.

“Think yourself lucky, sir,” continued Hallam aloud, “that I do not have you locked up. Mr Thickens, see this man off the premises.”

Then, in a whisper that his visitor alone could hear, and with a meaning look:

“Be quiet and go. Come to my rooms to-night.”

This Man's Wife

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