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's words caused her three chums to stare at her in wonder. Then, by glancing over the side of the boat themselves, they confirmed what she had said.

"A—a sand bar," faltered Grace, sinking back among some cushions that matched her dress wonderfully well. Mollie said later that Grace always tried to match something, even if it was only her chocolates.

"A plain, ordinary sand bar," repeated Betty. "One of the men at the dock warned me about them, and even told me how to locate them, by the peculiar ripple of the shallow water over them. But I forgot all about it. Oh dear!"

"Well, it can't be so very bad," spoke Mollie, who was idly splashing the water with one handc "We can't sink, that's a consolation."

"Don't do that!" exclaimed Amy quickly. She had "cuddled" closer to Betty following the shock as the boat came to a stop on the concealed bar.