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 “And now,” said the examiner, briskly, pulling out his watch, “the last thing is the loans. We will take them up now, if you please.”

He had gone through the First National at almost record-breaking speed—but thoroughly, as he did everything. The running order of the bank was smooth and clean, and that had facilitated his work. There was but one other bank in the town. He received from the Government a fee of twenty-five dollars for each bank that he examined. He should be able to go over those loans and discounts in half an hour. If so, he could examine the other bank immediately afterward, and catch the 11.45, the only other train that day in the direction he was working. Otherwise, he would have to spend the night and Sunday in this uninteresting Western town. That was why Mr. Nettlewick was rushing matters.

“Come with me, sir,” said Major Kingman, in his deep voice, that united the Southern drawl with the rhythmic twang of the West; “We will go over them together. Nobody in the bank knows those notes as I do. Some of ’em are a little wobbly on their legs, and some are mavericks without extra many brands on their backs, but they’ll most all pay out at the round-up.”

The two sat down at the president’s desk. First, the examiner went through the notes at lightning speed, and added up their total, finding it to agree with the amount of loans carried on the book of daily balances. Next, he took up the larger loans, inquiring scrupulously into the condition of their indorsers or securities. The new