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206 smile while he was singing, but with all the appreciation of a fellow-orator he admired Dr. Drew's sermon. It had the intellectual quality which distinguished the Chatham Road congregation from the grubby chapels on Smith Street.

"At this abundant harvest-time of all the year," Dr. Drew chanted, "when, though stormy the sky and laborious the path to the drudging wayfarer, yet the hovering and bodiless spirit swoops back o'er all the labors and desires of the past twelve months, oh, then it seems to me there sounds behind all our apparent failures the golden chorus of greeting from those passed happily on; and lo! on the dim horizon we see behind dolorous clouds the mighty mass of mountains—mountains of melody, mountains of mirth, mountains of might!"

"I certainly do like a sermon with culture and thought in it," meditated Babbitt.

At the end of the service he was delighted when the pastor, actively shaking hands at the door, twittered, "Oh, Brother Babbitt, can you wait a jiffy? Want your advice."

"Sure, doctor! You bet!"

"Drop into my office. I think you'll like the cigars there." Babbitt did like the cigars. He also liked the office, which was distinguished from other offices only by the spirited change of the familiar wall-placard to "This is the Lord's Busy Day." Chum Frink came in, then William W. Eathorne.

Mr. Eathorne was the seventy-year-old president of the First State Bank of Zenith. He still wore the delicate patches of side-whiskers which had been the uniform of bankers in 1870. If Babbitt was envious of the Smart Set of the McKelveys, before William Washington Eathorne he was reverent. Mr. Eathorne had nothing to do with the Smart Set. He was above it. He was the great-grandson of one of the five men who founded Zenith, in 1792, and he was of the third generation of bankers. He could examine credits, make loans, promote or injure a man's business. In his presence Babbitt breathed quickly and felt young.