he bank was. So, when he got into the
street, he asked a gentleman whom he met: "Sir, can you direct me to
the Merchants' Bank?"

"It is in State Street," said the gentleman. "I am going past it, so
if you will come along with me, I will show you."

"Thank you, sir," said our hero, politely.

"Merchants' Bank!" said Fairfax to himself, beginning to feel
interested. "I wonder what he's going there for? Perhaps I can raise a
little money, besides having my revenge."

He had an added inducement now in following our hero.

When Andy went into the bank, Fairfax followed him. He was in the room
when Andy received the dividends, and, with sparkling eyes, he saw
that it was, a thick roll of bills, representing, no doubt, a
considerable sum of money.

"That money must be mine," he said to himself. "It can't be the boy's.
He must have been sent by some other person. The loss will get him
into trouble. Very likely he will be considered a thief. That would
just suit me."

Andy was careful, however. He put the money into a pocketbook, or,
rather, wallet, with which he had been supplied by the Misses Grant,
put it in his inside pocket, and then buttoned his coat up tight. He
was determined not to lose anything by carelessness.

But this was not his last business visit. There was another bank in
the same street where it was necessary for him to call and receive
dividends. Again Fairfax followed him, and again he saw Andy receive a
considerable sum of money.

"There's fat pickings here," thought Fairfax. "Now, I must manage, in
some way, to relieve him of that money. There's altogether too much
for a youngster like him. Shouldn't wonder if the money belonged to
that man I tried to rob. If so, all the better."

In this conjecture, as we know, Fairfax was mistaken. However, it made
comparatively little difference to him whose money it was, as long as
there was a chance of his getting it into his possession. The fact
was, that his finances were not in a very flourishing condition just
at present. He could have done better to follow some honest and
respectable business, and avoid all the dishonest shifts and
infractions of law to which he was compelled to resort, but he had
started wrong, and it was difficult to persuade him that even now it
would have been much better for him to amend his life and ways. In
this state of affairs he thought it a great piece of good luck that he
should have fallen in with a boy in charge of a la