interest."

"That need not be charged till the end of the year. I will still
retain the savings-bank book you left with me as a guaranty. Is that
satisfactory?"

"Entirely so, sir."

"Have you been able to save up anything lately?"

"Yes, sir; I have twenty-six dollars on depost in another bank."

"Very good. You are, then, provided for in any case of emergency."

Henry went back to work.

His reflections, as may be imagined, were very pleasant. He figured up
what he was worth, and it stood thus:

Six-penny Savings Bank.................... $35 00

Second bank account....................... 26 00

Proceeds of venture (net)................. 91 25
-------
$152 25

Thus he figured up a grand total of one hundred and fifty-two dollars
and twenty-five cents, making a gain in three months of one hundred
and seventeen dollars and twenty-five cents.

"Why, at this rate," thought Henry, "I shall soon be rich."

Of course, he owed a large part of this sum to the favor of his
employer; but this, again, was earned by his fidelity and economy--two
qualities which I wish were more common among boys of his age.

Returning to his room he looked for his savings-bank book, but to his
dismay it was nowhere to be found.

"Where can it be?" he asked himself, perplexed. "Perhaps Sam has seen
it."

But Sam had not yet returned from the store, though it was past his
usual time.

"It is very strange," thought Henry. "I am sure it was at the bottom
of my trunk. Can the trunk have been opened?"

CHAPTER XIV.

THE SAVINGS BANK BOOK.

During the three months, which to Henry brought good fortune, Sam had
grown no richer. Indeed, just at this time he was very "hard up." He
had applied to Henry for a loan, but as he was already indebted to his
more prudent roommate, the latter declined to lend.

"I think you are mean, Henry," said Sam, in disappointment.

"I can't help it, Sam. You can live on five dollars a week just as
well as I can."

"You've got a lot of money in the bank," said Sam, reproachfully.

"Because I am more prudent than you."

"I thought you were a friend of mine."

"So I am; but I cannot encourage your extravagance. It wouldn't be a
friendly thing to do."

"Oh, it's easy enough for you to find excuses; you don't want to lend,
that's all."

"I don't want to give, for that is what it would amount to."

Sam sa