And then Townsend detailed what followed as the morning paper gave big headlines of the desperate adventure. It not only recited that the two were hospitalized in a critical condition but it gave inside information as to the illegal business being conducted at the farm. "That evening, nearly a thousand women paraded our streets to the mayor's office, with banners flying, to insist that there be a clean-up of the entire illegal business.

"The next day, fully fifty automobiles assembled at Fifth and Cedar Streets to drive out to the farm and burn down the old shed where the still was located. I was in that party and I easily persuaded them to allow the house and big barn to remain unharmed, but all bottles, labels, cans of liquids, crates, and containers were thrown in the fire. The house-furnishings revealed that it was the headquarters for the many employees, but none were present, either to welcome or protest.

"On returning to town it was learned that Carson Wells had committed suicide. His worthy wife was not at home, was not present at the funeral. She is reported as living in Chicago, a housemother at a sorority of one of the universities.

"The Wells National Bank was of course closed. I was appointed the receiver. Things were in a terrible mess; negligence and forgeries caused a lot of added work, but the bank had a valuable asset in that the stock was held in one family—wasn't scattered to cause contentions and delays. I recovered the farm, held on to the bank building, and charged the forgeries and shortages to Carson's account. Shirley is possessed of the remainder, but it's not enough to do what's required.

"This city needs a bank. The nation is recovering from the depression and very soon business will be back to normal. The Wells National must be restored to service and Shirley Wells, the man who started the clean-up, must be connected with it. His service in cleaning out those crooks was, and is, the big asset.

"Here in my office I have prepared a list of names of those who can, and should, take stock in a bank. With Shirley here, we can canvass this list for the needed subscriptions. Surely we can...."

"Just how much money will it take to revive a bank?" asked Davy quietly.

"Forty or fifty thousand dollars will be required to complete the subscriptions and show a small surplus and I think we can——"

"Why, Shirley will have that much, and more, in his upper vest pocket when he arrives," and then Davy told his lengthy story to an eager listener.

"I have known him for nearly two years," said Davy in concluding his lengthy recital, "and in that time he worked hard—too hard. I upbraided him for it. Now, knowing why he was so continuously busy, working to restore his family name and credit in his home town, I should have kept my mouth shut."

"Do you think he will consent to taking charge of the restored family bank?" asked Townsend. "Will he apply the money to that end?"

"I'll see that he puts up the money. He says that half of it is mine, but he may balk on taking charge. And that's our present job. I have a friend in Springfield that's the greatest little banker the world ever produced. I'll get him here, or send Welborn—I mean Shirley—to him to learn the game."

"This has certainly been my lucky day," said Townsend as the party broke up. "This morning the judge approved my settlement of the long-standing Norris case, I received a letter containing a draft of an outstanding debt, and now the important Wells bank receivership settles itself. Let me know the minute Shirley arrives."

Davy's hours of impatience were interrupted on Saturday morning by a telephone call from Chicago. The booth at the Grand Union afforded the privacy needed.

"If you are in your own clothes...."

Davy's directive was interrupted by a hearty laugh, and a prompt inquiry: "Am I under indictment?"

"Naw! You're not under anything. You're at the top of the heap. Your scrap started things. Get out here on the first train—there's a lot to do and I've pledged you to carry out all the plans as proposed by your friend Townsend. There's lots to do. Get here at once."

And Shirley Wells of the East, Sam Welborn of the West, did as he was directed. He arrived in Bransford shortly after the noon hour. And the rest of the afternoon he was listening to Davy's story and Davy's plans. Sunday morning, at the Fourth Avenue Church, he was cordially greeted by many, some of whom he had ridiculed at a former session. Monday, the full day was spent in the office of his friend Townsend. Tuesday, Ralph Gaynor of Springfield arrived in Bransford in response to Davy's telegram, wherein it was suggested that "one carfare was cheaper than two."

Shirley Wells admired Ralph Gaynor but he marveled at his methods. Instead of taking him down to the bank building to review the former methods of conducting the business, Gaynor persisted in interviewing any and all with whom he came in contact: business and professional men, farmers and laborers, women clerks and housewives. His questions were casual, the extended answers were his reward. That evening, in Townsend's office, he delivered his estimates and opinion.

"Banking service is badly needed in your city. Your present plans are timely. A news story should go out tomorrow that the organization is formed and will be functioning next week—this to prevent others from invading this fine prospect. You have present opportunity to secure the services of young Nelson, down at the Wide-Awake, as a receiving teller. He is fast and accurate in money matters. The young lady that compiled Mr. Townsend's reports can, and should, take care of the growing bookkeeping. You will not make a great deal of money in this first year of operation. After that, you will have the best banking investment I know of."

"But what about our new cashier, Shirley Wells?" inquired Townsend. "What's his job? He and his little friend here own practically all the stock."

"The banking business," said Gaynor, "has its peculiarities. Back of the counter, it's simply a matter of accuracy. In front of the counter, however, it's a question of diplomacy and good judgment. Shirley Wells is an asset. His business is in front of the counter, greeting the trade and broadening the field for service. A bank must have assets if it is to make loans."

The Wells National Bank, with its tidy and growing millions of assets, is functioning at 201 North Oak Street, Bransford, U.S.A.

Just where should these ramblings end? A tragedy ends at the death of any or all; a comedy ends with one of the revived jokes of former years; a biography should terminate at the grave, and a romance finishes as the groom carries his hard-won prize across the threshold of the cottage or palace. What's the finish here?

A start was made to tell the life story of a midget, but complications arose that could not be avoided. Instead of traveling the infrequent paths of the Lilliputians the journey has, in many instances, swept down the traffic-filled thoroughfare of the big adults. But midgets are few in number, they have few contacts with each other. In most every instance, their employment is to exhibit themselves to the thousands and thousands who come to see and comment.

Midgets do not go to war, cannot win a prize fight, or bust one over the right field fence for a home run. Their field for service is limited to public exhibitions; their contacts wholly with the questioning adult. The tragedies of a midget are of the lighter sort, comedies prevail only in a minor degree, romance is a limited factor, and in this particular instance, these ramblings cannot be classed as biography—the principal characters are still alive.

And because they are still alive and functioning, the reader is invited out to the Adot vicinity to see—and maybe participate—in the continuing story.

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- Typographical errors corrected in text: Page 42: ditsance replaced with distance Page 54: expained replaced with explained Page 68: insistant replaced with insistent Page 71: hastry replaced with hasty Page 94: 'wth' replaced with 'with' Page 157: bookeeping replaced with bookkeeping -

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THE END