sign on the window had proclaimed "Montgomery & Holton, Bankers"; and the deletion of the second name from the copartnership was due to an incident that must be set down succinctly before we proceed further. Amzi II had left a family of five children, of whom Phil Kirkwood's three aunts have already been mentioned. The only one of the Montgomery girls, as they were locally designated, who had made a marriage at all in keeping with the family dignity, had been Lois.

Lois, every one said, was the handsomest, the most interesting of the Montgomerys, and she had captured at eighteen the heart of Tom Kirkwood, who had come out of the East to assume the chair of jurisprudence in Madison College, which, as every one knows, is an institution inseparably associated with the fame of Montgomery as a community of enlightenment. Tom Kirkwood was a graduate of Williams College, with a Berlin Ph.D., and he had, moreover, a modest patrimony which, after his marriage to Lois Montgomery, he had invested in the block in Main Street opposite the Montgomery Bank. The year following the marriage he had, in keeping with an early resolution, resigned his professorship and begun the practice of law. He seemed to have escaped the embarrassments and prejudices that attend any practical undertakings by men who have borne the title of professor, and whether his connection with the Montgomery family saved him from such disqualification it was nevertheless true that he entered upon the law brilliantly. Two or three successes in important cases had launched him upon this second career auspiciously.

Amzi II was still living at the time of the marriage, and as he valued his own position in the community and wished his family to maintain its traditions, he had subdivided a large tract of woodland in which his father's house stood, and bestowed an acre lot upon each of his daughters. His son had declined a similar offer, having elected early in life the bachelor state in which we have found him. As Lois had been the first to marry, her house was planted nearest to the gray old brick in which she had been reared.

If the gods favored the Montgomerys, they seemed no less to smile with a peculiar indulgence upon the Kirkwoods. People who had said that Lois was a trifle strong-willed and given to frivolity were convinced that her marriage had done much to sober her. In the second year thereafter Phyllis was born, a further assurance that Lois was thoroughly established among the staid matrons of her native town. Then in the fifth year of her marriage, rumors—almost the first scandalous gossip that had ever passed current in those quiet streets—began to be heard. It did not seem possible that in a community whose morals were nurtured in Center Church, a town where everybody was "good," where no respectable man ever entered a saloon and divorce was a word not to be spoken before children,—that here, a daughter of the house of Montgomery was causing anxiety among those jealous of her good name. A few of Kirkwood's friends—and he had many—may have known the inner history of the cloud that darkened his house; but the end came with a blinding flash that left him dazed and dumb.

The town was so knit together, so like a big family, that Lois Montgomery's escapade was a tragedy at every hearth-side. It was immeasurably shocking that a young woman married to a reputable man, and with a child still toddling after her, should have done this grievous thing. To say that she had always been flighty, and that it was what might have been expected of a woman as headstrong as she had been as a girl, was no mollification of the blow to the local conscience, acutely sensitive in all that pertained to the honor and sanctity of the marriage tie. And Jack Holton! That she should have thrown away a man like Tom Kirkwood, a gentleman and a scholar, for a rogue like Holton, added to the blackness of her sin. The Holtons had been second only to the Montgomerys in dignity. The conjunction of the names on the old sign over the bank at Main and Franklin Streets had expressed not only unquestioned financial stability, but a social worth likewise unassailable. Jack Holton, like Amzi Montgomery, had inherited an interest in the banking-house of Montgomery & Holton. To be sure his brother William had been the active representative of the second generation of Holtons, and Jack had never really settled down to anything after he returned from the Eastern college to which he had been sent; but these were things that had not been considered until after he decamped with Lois Kirkwood. Many declared after the event that they had "always known" that Jack was a bad lot. Those who sought to account for Lois Kirkwood's infatuation remembered suddenly that he and Lois had been boy and girl sweethearts and that she had once been engaged to marry him. It was explained that his temperament and hers were harmonious, and that Kirkwood, for all his fine abilities, was a sober-minded fellow, without Holton's zest for the world's gayety. Any further details—the countless trifles with which for half a dozen years the gossips of Montgomery regaled themselves—are not for this writing.

Many years had passed—or, to be explicit, exactly sixteen. One of the first results of the incident had been the immediate elimination of the Holton half of the firm name by which the bank had long been known. Jack's brother William organized the First National Bank, toward which Mr. Amzi Montgomery's spectacles pointed several times daily, as already noted. Samuel, the oldest son of the first Holton, tried a variety of occupations before he was elected Secretary of State. He never fully severed his ties with Montgomery, retaining a house in town and the farm on Sugar Creek. After retiring from office, he became a venturesome speculator, capitalizing his wide political acquaintance in the sale of shares in all manner of mining and plantation companies, and dying suddenly, had left his estate in a sad clutter.

In due course of time it became known that Lois Kirkwood had divorced her husband at long range, from a Western state where such matters were at the time transacted expeditiously, and a formal announcement of her marriage to Holton subsequently appeared in the Montgomery "Evening Star."

The day after his wife's departure Kirkwood left his home and did not enter it again. It was said by romanticists among the local gossips that he had touched nothing, leaving it exactly as it had been, and that he always carried the key in his pocket as a reminder of his sorrow. Phil was passed back and forth among her aunts, seriatim, until she went to live with her father, in a rented house far from the original roof-tree.

Even in practicing the most rigid economy of space some reference must be made to the attitude of Lois Kirkwood's sisters toward her as a sinning woman. Their amazement had yielded at once to righteous indignation. It was enough that she had sinned against Heaven; but that she should have brought shame upon them all and placed half the continent between herself and the scene and consequences of her iniquity, leaving her family to shoulder all its responsibilities, was too monstrous for expression. They were Montgomerys of Montgomery; it seemed incredible that the town itself could ever recover from the shock of her egregious transgression. They vied with each other in manifestations of sympathy for Kirkwood, whose nobility under suffering was so admirable; and they lavished upon Phil (it had been like Lois, they discovered, to label her with the preposterous name of Phyllis!) an affection which became in time a trial to the child's soul.

Their fury gained ardor from the fact that their brother Amzi had never, after he had blinked at them all when they visited him in his private room at the bank the