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"I don't understand it," said Miss Matty to me in a low voice. "That is our bank, is it not? - the Town and County Bank?"

"Yes," said I. "This lilac silk will just match the ribbons in your new cap, I believe," I continued, holding up the folds so as to catch the light, and wishing that the man would make haste and be gone, and yet having a new wonder, that had only just sprung up, how far it was wise or right in me to allow Miss Matty to make this expensive purchase, if the affairs of the bank were really so bad as the refusal of the note implied.

But Miss Matty put on the soft dignified manner, peculiar to her, rarely used, and yet which became her so well, and laying her hand gently on mine, she said -

"Never mind the silks for a few minutes, dear. I don't understand you, sir," turning now to the shopman, who had been attending to the farmer. "Is this a forged note?"

"Oh, no, ma'am. It is a true note of its kind; but you see, ma'am, it is a joint-stock bank, and there are reports out that it is likely to break. Mr Johnson is only doing his duty, ma'am, as I am sure Mr Dobson knows."

But Mr Dobson could not respond to the appealing bow by any answering smile. He was turning the note absently over in his fingers, looking gloomily enough at the parcel containing the lately-chosen shawl.

"It's hard upon a poor man," said he, "as earns every farthing with the sweat of his brow. However, there's no help for it. You must take back your shawl, my man; Lizzle must go on with her cloak for a while. And yon figs for the little ones - I promised them to 'em - I'll take them; but the 'bacco, and the other things" -

"I will give you five sovereigns for your note, my good man," said Miss Matty. "I think there is some great mistake about it, for I am one of the shareholders, and I'm sure they would have told me if things had not been going on right."

The shopman whispered a word or two across the table to Miss Matty. She looked at him with a dubious air.

"Perhaps so," said she. "But I don't pretend to understand business; I only know that if it is going to fail, and if honest people are to lose their money because they have taken our notes - I can't explain myself," said she, suddenly becoming aware that she had got into a long sentence with four people for audience; "only I would rather exchange my gold for the note, if you please," turning to the farmer, "and then you can take your wife the shawl. It is only going without my gown a few days longer," she continued, speaking to me. "Then, I have no doubt, everything will be cleared up."