The Victoria Bank, Toronto, is on the corner of Bay and Front Streets, where it overlooks a part of the harbor large enough to gladden the eyes of the bank-clerks who are aquatic in their habits and have time to look out of the windows. Young gentlemen in tattered and ink-stained coats, but irreproachable in the matter of trousers and linen, had been known to gaze longingly and wearily down toward that strip of shining water when hard fate in the shape of bank duty apparently remained indifferent to the fact that an interesting race was being rowed or sailed. This, sometimes, was rather a bad thing for the race; for the Victoria Bank had, immured within its cut stone and plate glass, some good specimens of muscular gentility; and in contests of different kinds, the V. B. had a way (discomforting to other banks) of producing winners. The amount of muscle some of them could apply to a main-sheet was creditable, while, as to rowing, there were few who did not cultivate a back and thigh action which, if not productive of so much speed as Hanlan's, was certainly, to the uninitiated, quite as pleasant to look upon; so that, in sports generally, there was a decided call for the Vics.; not only among men on account of their skill, but also in the ranks of a gentler community whose interest in a contest seemed to be more personal than sporting. The Vics. had adopted as their own a particular color, of which they would wear at least a small spot on any "big day"; and, when they were contesting, this color would be prevalent in gatherings of those interested personally. And who would inquire the reasons for this favoritism? "Reasons! explanations!—why are men so curious? Is it not enough that those most competent to decide have decided? What will you? Go to!" Indeed, the sex is very divine. It is a large part of their divinity to be obscure.

Perhaps these young men danced with the ease and self-satisfaction of dervishes. Perhaps their prowess was unconsciously admired by those who formerly required defenders. But the most compelling reason, on this important point, was that "ours" of the Victoria Bank had established themselves socially as "quite the right sort" and "good form"—and thus desirable to the Toronto maiden, and, if not so much so to her more match-making mother, the fact that they were considered chic provided a feminine argument in their favor which had, as usual, the advantage of being, from its vagueness, difficult to answer; so that the more mercantile mother grew to consider that a "detrimental" who was chic was not, after all, as bad as a "det." without leaven.

It has been said that bank-clerks are all the same; but, while admitting that, in regard to their faultless trousers and immaculate linen, there does exist a pleasing general resemblance, rather military, it must be insisted that there are different sorts of them; that they are complete in their way, and need not be idealized. The old barbaric love for wonderful story-telling is still the harvest-ground of those who live by the propagation of ideas, but must we always demand the unreal?

There was nothing unreal about Jack Cresswell. As he stood poring over columns of figures in a great book, one glance at him was sufficient to dispel all hope of mystery. He was inclosed in the usual box or stall—quite large enough for him to stand up in, which was all he required (sitting ruins trousers)—and his office coat was all a bank-clerk could desire. The right armpit had "carried away," and the left arm was merely attached to the body by a few ligaments—reminding one of railway accidents. The right side of the front and the left arm had been used for years as a pen-wiper. A metallic clasp for a patent pencil was clinched through the left breast. The holes for the pockets might be traced with care even at this epoch, but they had become so merged in surrounding tears as to almost lose identity with the original design.

The bank doors had been closed for some time, after three o'clock, on this particular day in the year of our Lord one thousand eight hundred and blank, and Jack Cresswell had been puzzling his brains over figures with but poor success. Whether his head was dull, or whether it was occupied by other things, it is hard to say—probably both; so, on hearing Geoffrey Hampstead, the paying-teller, getting ready to go away, he leaned over the partition and said, in an aggrieved tone:

"Look here, Geoffrey, I'm three cents out in my balance."

A strong, well-toned voice answered carelessly, "That is becoming a pretty old story with you, Jack. You're always out. However, make yourself comfortable, dear boy, as you will doubtless be at it a good while." Then, as he put on his hat and sauntered away, Geoffrey added a little more comfort. "If you really intend to bring it out right, you had better arrange to guard the bank to-night. You can do both at once, you know, and get your pay as well, while you work on comfortably till morning."

"I'll tell you what I'll do. If you'll get these three cents right for me, I'll stand the dinners."

"Much obliged. Mr. Hampstead has the pleasure of regretting. Prior engagement. Has asked Mr. Maurice Rankin to dine with him at the club. But perhaps, even without your handsome reward, we might get these figures straightened out for you." Then, taking off his coat, "You had better take a bite with us if we can finish this in time."

Geoffrey came up to the books and "took hold," while Jack, now in re-established good humor, amused himself by keeping up a running fire of comments. "Aha! me noble lord condescends to dine the poor legal scribe. I wonder, now, what led you to ask Maurice Rankin to dine with you. You can't make anything out of Morry. He hasn't got a cent in the world, unless he got that police-court case. Not a red shekel has he, and me noble lord asks him to dinner—which is the humor of it! Now, I would like to know what you want with Rankin. You know you never do anything without some motive. You see I know you pretty well. Gad! I do."

Geoffrey was working away under this harangue, with one ear open, like a telegraph operator, for Jack's remarks. He said: "Can not a fellow do a decent thing once in a way without hearing from you?"

"Not you," cried Jack, "not you. I'll never believe you ever did a decent thing in your life without some underground motive."

Geoffrey smiled over the books, where he was adding three columns of figures at once, lost the addition, and had to begin at the bottom again; and Jack, who thought that never man breathed like Geoffrey, looked a little fondly and very admiringly at the way his friend's back towered up from the waist to the massive shoulders—and smiled too.

Jack's smile was expansive and contagious. It lighted up the whole man—some said the whole room—but never more brightly than when with Hampstead. Geoffrey had a fascination for him, and his admiration had reached such a climax after nearly two years' intercourse that he now thought there was but little within the reach of man that Geoffrey could not accomplish if he wished. It was not merely that he was good looking and had an easy way with him and was in a general way a favorite—not merely that he seemed to make more of Jack than of others. Hampstead had a power of some kind about him that harnessed others besides Jack to his chariot-wheels; and, much as Cresswell liked to exhibit Geoffrey's seamy side to him when he thought he discovered flaws, he nevertheless had admitted to an outsider that the reason he liked Hampstead was that he was "such an altogether solid man—solid in his sports, solid in his work, solid in his virtues, and, as to the other way—well, enough said." But the chief reason lay in the great mental and bodily vigor that nearly always emanated from Geoffrey, casting its spell, more or less effectively, for good or evil. With most people it was impossible to ignore his presence; and his figure was prepossessing from the extraordinary power, grace, and capacity for speed which his every movement interpreted.

It was his face that bothered observant loungers in the clubs. For statuary, a sculptor could utilize it to represent the face of an angel or a devil with equal facility—but no second-class devil or angel. Its permanent expression was that which a man exhibits when exercising his will-power. The tenacious long jaw had a squareness underneath it that seemed to be in keeping with the length of the upper lip. The high, long nose made its usual suggestions, two furrows between the thick eyebrows could ordinarily be seen, and the protuberant bumps over the eyes gave additional strength. The eyes were light blue or steel gray, according to the lights or the humor he was in. An intellectual forehead, beveled off under the low-growing hair, might suggest that the higher moral aspirations would not so frequently call for the assistance of the determination depicted in the face as would the other qualities shown in the width and weight of head behind the ears.

But Jack did not believe what he said in his tirades, and his good-will makes him lax in condemnation of things which in others he would have denounced. What Geoffrey said or did, so far as Jack knew, met, at his hands, with an easy indifference if culpable, and a kindling admiration if apparently virtuous. The two had lived together for a long time, and no one knew better than Geoffrey how trustworthy Jack was. Consequently, he sometimes entered into little confidences concerning his experiences, which he glossed over with a certain amount of excuse, so that the moral laxity in them did not fully appear; and what with the intensity of his speech, his word painting, and enthusiastic face, a greater stoic than poor Jack might have caught the fire, and perhaps condoned the offense.

Jack thought he knew Hampstead pretty well.

On the other side, Hampstead, though keen at discerning character, confessed to himself that Jack was the only person he could say he knew.