Smith had his own keys and he let himself in quietly through the door on the side street. The night-watchman's chair stood in its accustomed place in the vault corridor, but it was empty. To a suspicious person the empty chair might have had its significance; but Montague Smith was not suspicious. The obvious conclusion was that Mr. Dunham had sent the watchman forth upon some errand; and the motive needed not to be tagged as ulterior.

Without meaning to be particularly noiseless, Smith – rubber heels on tiled floor assisting – was unlatching the gate in the counter-railing before his superior officer heard him and looked up. There was an irritable note in the president's greeting.

"Oh, it's you, at last, is it?" he rasped. "You have taken your own good time about coming. It's a half-hour and more since I sent that note to your room."

Smith drew out the chair from the stenographer's table and sat down. Like the cashiers of many little-city banks, he was only a salaried man, and the president rarely allowed him to forget the fact. None the less, his boyish gray eyes were reflecting just a shade of the militant antagonism in Mr. Watrous Dunham's when he said: "I was dining at the Country Club with a friend, and I didn't go to my rooms until a few minutes ago."

The president sat back in the big mahogany swing-chair. His face, with the cold, protrusive eyes, the heavy lips, and the dewlap lower jaw, was the face of a man who shoots to kill.

"I suppose you've heard the news about Westfall?"

Smith nodded.

"Then you also know that the bank stands to lose a cold hundred thousand on that loan you made him?"

The young man in the stenographer's chair knew now very well why the night-watchman had been sent away. He felt in his pocket for a cigar but failed to find one. It was an unconscious effort to gain time for some little readjustment of the conventional point of view. The president's attitude plainly implied accusation, and Smith saw the solid foundations of his small world – the only world he had ever known – crumbling to a threatened dissolution.

"You may remember that I advised against the making of that loan when Westfall first spoke of it," he said, after he had mastered the premonitory chill of panic. "It was a bad risk – for him and for us."

"I suppose you won't deny that the loan was made while I was away in New York," was the challenging rejoinder.

"It was. But you gave your sanction before you went East."

The president twirled his chair to face the objector and brought his palm down with a smack upon the desk-slide.

"No!" he stormed. "What I told you to do was to look up his collateral; and you took a snap judgment and let him have the money! Westfall is your friend, and you are a stockholder in his bankrupt company. You took a chance for your own hand and put the bank in the hole. Now I'd like to ask what you are going to do about it."

Smith looked up quickly. Somewhere inside of him the carefully erected walls of use and custom were tumbling in strange ruins and out of the débris another structure, formless as yet, but obstinately sturdy, was rising.

"I am not going to do what you want me to do, Mr. Dunham – step in and be your convenient scapegoat," he said, wondering a little in his inner recesses how he was finding the sheer brutal man-courage to say such a thing to the president of the Lawrenceville Bank and Trust. "I suppose you have reasons of your own for wishing to shift the responsibility for this particular loss to my shoulders. But whether you have or haven't, I decline to accept it."

The president tilted his chair and locked his hands over one knee.

"It isn't a question of shifting the responsibility, Montague," he said, dropping the bullying weapon to take up another. "The loan was made in my absence. Perhaps you may say that I went away purposely to give you the chance of making it, but, if you do, nobody will believe you. When it comes down to the matter of authorization, it is simply your word against mine – and mine goes. Don't you see what you've done? As the matter stands now, you have let yourself in for a criminal indictment, if the bank directors choose to push it. You have taken the bank's money to bolster up a failing concern in which you are a stockholder. Go to any lawyer in Lawrenceville – the best one you can find – and he'll tell you exactly where you stand."

While the big clock over the vault entrance was slowly ticking off a full half-minute the young man whose future had become so suddenly and so threateningly involved neither moved nor spoke, but his silence was no measure of the turmoil of conflicting emotions and passions that were rending him. When he looked up, the passions, passions which had hitherto been mere names to him, were still under control, but to his dismay his restraining hold upon them seemed to be growing momentarily less certain.

"I may not prove quite the easy mark that your plan seems to prefigure, Mr. Dunham," he returned at length, trying to say it calmly. "But assuming that I am all that you have been counting upon, and that you will carry out your threat and take the matter into the courts, what is the alternative? Just what are you expecting me to do?"

"Now you are talking more like a grown man," was the president's crusty admission. "You are in a pretty bad boat, Montague, and that is why I sent for you to-night. It didn't seem safe to waste any time if you were to be helped out. Of course, there will be a called meeting of the bank board to-morrow, and it will all come out. With the best will in the world to do you a good turn, I shan't be able to stand between you and trouble."

"Well?" said the younger man, still holding the new and utterly incomprehensible passions in check.

"You can see how it will be. If I can say to the directors that you have already resigned – and if you are not where they can too easily lay hands on you – they may not care to push the charge against you. There is a train west at ten o'clock. If I were in your place, I should pack a couple of suitcases and take it. That is the only safe thing for you to do. If you need any ready money – "

It was at this point that J. Montague Smith rose up out of the stenographer's chair and buttoned his coat.

"'If I need any ready money,'" he repeated slowly, advancing a step toward the president's desk. "That is where you gave yourself away, Mr. Dunham. You authorized that loan, and you meant to authorize it. More than that, you did it because you were willing to use the bank's money to put Carter Westfall in the hole so deep that he could never climb out. Now, it seems, you are willing to bribe the only dangerous witness. I don't need money badly enough to sell my good name for it. I shall stay right here in Lawrenceville and fight it out with you!"

The president turned abruptly to his desk and his hand sought the row of electric bell-pushes. With a finger resting upon the one marked "police," he said: "There isn't any room for argument, Montague. You can have one more minute in which to change your mind. If you stay, you'll begin your fight from the inside of the county jail."

Now, as we have seen, there had been nothing in John Montague Smith's well-ordered quarter century of boyhood, youth, and business manhood to tell him how to cope with the crude and savage emergency which he was confronting. But in the granted minute of respite something within him, a thing as primitive and elemental as the crisis with which it was called upon to grapple, shook itself awake. At the peremptory bidding of the newly aroused underman, he stepped quickly across the intervening space and stood under the shaded desk light within arm's reach of the man in the big swing-chair.

"You have it all cut and dried, even to the setting of the police trap, haven't you?" he gritted, hardly recognizing his own voice. "You meant to hang me first and try your own case with the directors afterward. Mr. Dunham, I know you better than you think I do: you are not only a damned crook – you are a yellow-livered coward, as well! You don't dare to press that button!"

While he was saying it, the president had half risen, and the hand which had been hovering over the bell-pushes shot suddenly under the piled papers in the corner of the desk. When it came out it was gripping the weapon which is never very far out of reach in a bank.

Good judges on the working floor of the Lawrenceville Athletic Club had said of the well-muscled young bank cashier that he did not know his own strength. It was the sight of the pistol that maddened him and put the driving force behind the smashing blow that landed upon the big man's chest. Two inches higher or lower, the blow might have been merely breath-cutting. As it was, the lifted pistol dropped from Mr. Watrous Dunham's grasp and he wilted, settling back slowly, first into his chair, and then slipping from the chair to the floor.

In a flash Smith knew what he had done. Once, one evening when he had been induced to put on the gloves with the Athletic Club's trainer, he had contrived to plant a body blow which had sent the wiry little Irishman to the mat, gasping and fighting for the breath of life. "If ever yez'll be givin' a man that heart-punch wid th' bare fisht, Misther Montygue, 'tis you f'r th' fasht thrain widout shtoppin' to buy anny ticket – it'll be murdher in th' first degree," the trainer had said, when he had breath to compass the saying.

With the unheeded warning resurgent and clamoring in his ears, Smith knelt horror-stricken beside the fallen man. On the president's heavy face and in the staring eyes there was a foolish smile, as of one mildly astonished. Smith loosened the collar around the thick neck and laid his ear upon the spot where the blow had fallen. It was as the Irish trainer had told him it would be. The big man's heart had stopped like a smashed clock.

Smith got upon his feet, turned off the electric light, and, from mere force of habit, closed and snap-locked the president's desk. The watchman had not yet returned. Smith saw the empty chair beside the vault door as he passed it on his way to the street. Since the first impulse of the unwilling or unwitting homicide is usually sharply retributive, the cashier's only thought was to go at once to police headquarters and give himself up. Then he remembered how carefully the trap had been set, and how impossible it would be for him to make any reasonable defense. As it would appear, he had first taken the bank's money to help Westfall, and afterward, when exposure had threatened, he had killed the president. No one would ever believe that the blow had been struck in self-defense.

It was at the hesitating instant that Debritt's curiously prophetic words came back to him with an emphasis that was fairly appalling: "To-morrow we may both be asking for a hand-out, and inquiring, a bit hoarsely, perhaps, if the walking is good. That is just how thin the partitions are." With one glance over his shoulder at the darkened front windows of the bank, Smith began to run, not toward the police station, but in the opposite direction – toward the railroad station.

This was at nine o'clock or, perhaps, a few minutes later. Coincident with J. Montague Smith's dash down the poorly lighted cross street, a rather weak-faced young man of the sham black-sheep type of the smaller cities was lounging in the drawing-room of an ornate timber-and-stucco mansion on Maple Street hill and saying to his hostess: "Say – I thought this was Monty's night to climb the hill, Miss Verda. By Jove, I've got it in for Monty, don't y' know. He's comin' here a lot too regular to please me."

"Mr. Smith always puts business before pleasure; haven't you found that out yet, Mr. Jibbey?" was the rather cryptic rejoinder of the Olympian beauty; and after that she talked, and made the imitation rounder talk, pointedly of other things.