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 end, if he had not been so full of pretense, when being plain and truthful would have been so much better and easier. I had quit talking to him about anything serious or anything that interested me, but would sit and listen to him talk of the big preachers, and the bishops, and the great negroes who had died years before. He seemed fond of talking of what they had done in the past and what more could be done in the future, if the white people were not so strongly banded against them. After this, his conversation would turn to pure gossip, such as women might indulge in. He talked about the women belonging to the churches of his district, whether they were living right or wrong, and could tell very funny stories about them.

In Dakota, like most parts of the west, people who have any money at all, carry no cash in the pocket, but bank their money and use checks. The people of the east and south, that is, the common people, seldom have a checking account, and, with the masses of the negroes, no account at all. During the summer Orlean had sent her father my checks with which to make purchases. The Reverend told me he checked altogether, but my wife had told me her father's ambition had always been to have a checking account, but had not been able to do so. I had to laugh over this, for it was no distinction whatever. We discussed the banking business and the elder tried to tell me that if a national bank went broke, the government paid all the depositors, while if it was a state bank, the depositors lost. As this was so far from correct, I explained the laws that governed national banks