Ovington's Bank

He was, indeed, both in practice and theory a lover of Nature; breathing freely its open air, understanding its moods, asking nothing better than to be allowed to turn them to his purpose. Though he was no great reader, he read Wordsworth, and many a line was fixed in his memory and, on occasions when he was alone, rose to his lips.

But he hated the desk and he hated figures. His thoughts as he stood behind the bank counter, or drummed his restless heels against the legs of his high stool, were far away in fallow and stubble, or where the trout, that he could tickle as to the manner born, lay under the caving bank. And to his father and to those who judged him by the bank standard, and felt for him half scornful liking, he seemed to be an inefficient, a trifler. They said in Aldersbury that it was lucky for him that he had a father.

Perhaps of all about him it was from that father that he could expect the least sympathy. Ovington was not only a banker, he was a banker to whom his business was everything. He had created it. It had made him. It was not in his eyes a mere adjunct, as in the eyes of one born in the purple and to the leisure which invites to the higher uses of wealth. Able he was, and according to his lights honorable; but a narrow education had confined his views, and he saw in his money merely the means to rise in the world and eventually to become one of the landed class which at that time monopolized all power and all influence, political as well as social. Such a man could only see in Clement a failure, a reversion to the yeoman type, and own with sorrow the irony of fortune that so often delights to hand on the sceptre of an Oliver to a "Tumble-down-Dick."

Only from Betty, young and romantic, yet possessed of a woman's intuitive power of understanding others, could Clement look for any sympathy. And even Betty doubted while she loved-for she had also that other attribute of woman, a basis of sound common-sense. She admired her father. She saw more clearly than Clement what he had done for them and to what he was raising them. And she could not but grieve that Clement was not, more like him, that Clement could not fall in with his wishes and devote himself to the attainment of the end for which the elder man had worked. She could enter into the father's disappointment as well as into the son's distaste.

Meanwhile Clement, dreaming now of a girl's face, now of a new drill which he had seen that morning, now of the passing sights and sounds which would have escaped nine men out of ten but had a meaning for him, drew near to the town. He topped the last eminence, he rode under the ancient oak, whence, tradition had it, a famous Welshman had watched the wreck of his fortunes on a pitched field. Finally he saw, rising from the river before him, the amphitheatre of dim lights that was the town. Descending he crossed the bridge.

He sighed as he did so. For to him to pass from the silent lands and to enter the brawling streets where apprentices were putting up the shutters and beggars were raking among heaps of market garbage was to fall half way from the clouds. To right and left the inns were roaring drunken choruses, drabs stood in the mouths of the alleys-dubbed in Aldersbury "shuts" – tradesmen were hastening to wet their profits at the Crown or the Gullet. When at last he heard the house door clang behind him, and breathed the confined air of the bank, redolent for him of ledgers and day-books, the fall was complete. He reached the earth.

If he had not done so, his sister's face when he entered the dining-room would have brought him to his level.

"My eye and Betty Martin!" she said. "But you've done it now, my lad!"

"What's the matter?"

"Father will tell you that. He's in his room and as black as thunder. He came home by the mail at three-Sir Charles waiting, Mr. Acherley waiting, the bank full, no Clement! You are in for it. You are to go to him the moment you come in."

He looked longingly at the table where supper awaited him. "What did he say?" he asked.

"He said all I have said and d-n besides. It's no good looking at the table, my lad. You must see him first and then I'll give you your supper."

"All right!" he replied, and he turned to the door with something of a swagger.

But Betty, whose moods were as changeable as the winds, and whose thoughts were much graver than her words, was at the door before him. She took him by the lapel of his coat and looked up in his face. "You won't forget that you're in fault, Clem, will you?" she said in a small voice. "Remember that if he had not worked there would be no walking about with a gun or a rod for you. And no looking at new drills, whatever they are, for I know that that is what you had in your mind this morning. He's a good dad, Clem-better than most. You won't forget that, will you?"

"But after all a man must-"

"Suppose you forget that 'after all,'" she said sagely. "The truth is you have played truant, haven't you? And you must take your medicine. Go and take it like a good boy. There are but three of us, Clem."

She knew how to appeal to him, and how to move him; she knew that at bottom he was fond of his father. He nodded and went, knocked at his father's door and, tamed by his sister's words, took his scolding-and it was a sharp scolding-with patience. Things were going well with the banker, he had had his usual four glasses of port, and he might not have spoken so sharply if the contrast between the idle and the industrious apprentice had not been thrust upon him that day with a force which had startled him. That little hint of a partnership had not been dropped without a pang. He was jealous for his son, and he spoke out.

"If you think," he said, tapping the ledger before him, to give point to his words, "that because you've been to Cambridge this job is below you, you're mistaken, Clement. And if you think that you can do it in your spare time, you're still more mistaken. It's no easy task, I can tell you, to make a bank and keep a bank, and manage your neighbor's money as well as your own, and if you think it is, you're wrong. To make a hundred thousand pounds is a deal harder than to make Latin verses-or to go tramping the country on a market day with your gun! That's not business! That's not business, and once for all, if you are not going to help me, I warn you that I must find someone who will! And I shall not have far to look!"

"I'm afraid, sir, that I have not got a turn for it," Clement pleaded.

"But what have you a turn for? You shoot, but I'm hanged if you bring home much game. And you fish, but I suppose you give the fish away. And you're out of town, idling and doing God knows what, three days in the week! No turn for it? No will to do it, you mean. Do you ever think," the banker continued, joining the fingers of his two hands as he sat back in his chair, and looking over them at the culprit, "where you would be and what you would be doing if I had not toiled for you? If I had not made the business at which you do not condescend to work? I had to make my own way. My grandfather was little better than a laborer, and but for what I've done you might be a clerk at a pound a week, and a bad clerk, too! Or behind a shop-counter, if you liked it better. And if things go wrong with me-for I'd have you remember that nothing in this world is quite safe-that is where you may still be! Still, my lad!"

For the first time Clement looked his father fairly in the face-and pleased him. "Well, sir," he said, "if things go wrong I hope you won't find me wanting. Nor ungrateful for what you have done for us. I know how much it is. But I'm not Bourdillon, and I've not got his head for figures."

"You've not got his application. That's the mischief! Your heart's not in it."

"Well, I don't know that it is," Clement admitted. "I suppose you couldn't-" he hesitated, a new hope kindled within him. He looked at his father doubtfully.

"Couldn't what?"

"Release me from the bank, sir? And give me a-a very small capital to-"

"To go and idle upon?" the banker exclaimed, and thumped the ledger in his indignation at an idea so preposterous. "No, by G-d, I couldn't! Pay you to go idling about the country, more like a dying duck in a thunder-storm, as I am told you do, than a man! Find you capital and see you loiter your life away with your hands in your pockets? No, I couldn't, my boy, and I would not if I could! Capital, indeed? Give you capital? For what?"

"I could take a farm," sullenly, "and I shouldn't idle. I can work hard enough when I like my work. And I know something about farming, and I believe I could make it pay."

The other gasped. To the banker, with his mind on thousands, with his plans and hopes for the future, with his golden visions of Lombard Street and financial sway, to talk of a farm and of making it pay! It seemed-it seemed worse than lunacy. His son must be out of his mind. He stared at him, honestly wondering. "A farm!" he ejaculated at last. "And make it pay? Go back to the clodhopping life your grandfather lived before you and from which I lifted you? Peddle with pennies and sell ducks and chickens in the market? Why-why, I don't know what to say to you?"

"I like an outdoor life," Clement pleaded, his face scarlet.

"Like a-like a-" Ovington could find no word to express his feelings and with an effort he swallowed them down. "Look here, Clement," he said more mildly; "what's come to you? What is it that is amiss with you? Whatever it is you must straighten it out, boy; there must be an end of this folly, for folly it is. Understand me, the day that you go out of the bank you go to stand on your own legs, without help from me. If you are prepared to do that?"

"I don't say that I could-at first."

"Then while I keep you I shall certainly do it on my own terms. So, if you please, I will hear no more of this. Go back to your desk, go back to your desk, sir, and do your duty. I sent you to Cambridge at Butler's suggestion, but I begin to fear that it was the biggest mistake of my life. I declare I never heard such nonsense except from a man in love. I suppose you are not in love, eh?"

"No!" Clement cried angrily, and he went out.

For he could not own to his father that he was in love; in love with the brown earth, the woods, and the wide straggling hedge-rows, with the whispering wind and the music of the river on the shallows, with the silence and immensity of night. Had he done so, he would have spoken a language which his father did not and could not understand. And if he had gone a step farther and told him that he felt drawn to those who plodded up and down the wide stubbles, who cut and bound the thick hedge-rows, who wrought hand in hand with Nature day in and day out, whose lives were spent in an unending struggle with the soil until at last they sank and mingled with it-if he had told him that he felt his kinship with those humble folk who had gone before him, he would only have mystified him, only have angered him the more.

Yet so it was. And he could not change himself.

He went slowly to his supper and to Betty, owning defeat; acknowledging his father's strength of purpose, acknowledging his father's right, yet vexed at his own impotence. Life pulsed strongly within him. He longed to do something. He longed to battle, the wind in his teeth and the rain in his face, with some toil, some labor that would try his strength and task his muscles, and send him home at sunset weary and satisfied. Instead he saw before him an endless succession of days spent with his head in a ledger and his heels on the bar of his stool, while the sun shone in at the windows of the bank and the flies buzzed sleepily about him; days arid and tedious, shared with no companion more interesting than Rodd, who, excellent fellow, was not amusing, or more congenial than Bourdillon, who patronized him when he was not using him. And in future he would have to be more punctual, more regular, more assiduous! It was a dreary prospect.

He ate his supper in morose silence until Betty, who had been quick to read the upshot of the interview in his face, came behind him and ruffled his hair. "Good boy!" she whispered, leaning over him. "His days shall be long in the land!"

"I wish to heaven," he answered, "they were in the land! I am sure they will be long enough in the bank!" But after that he recovered his temper.

CHAPTER IV

In remote hamlets a few churches still recall the fashion of Garthmyle. It was a wide church of two aisles having clear windows, through which a flood of cold light fell on the whitewashed walls, and on the maze of square pews, some colored drab, some a pale blue, through which narrow alleys, ending in culs-de-sac, wound at random. The Griffin memorials, though the earliest were of Tudor date, were small and mean, and the one warm scrap of color in the church was furnished by the faded red curtain which ran on iron rods round the Squire's pew and protected his head from draughts. That curtain was watched with alarm by many, for at a certain point in the service it was the Squire's wont to draw it aside, and to stand for a time with his back to the east while his hard eyes roved over the congregation. Woe to the absentees! His scrutiny completed, with a grunt which carried terror to the hearts of their families, he would draw the curtain, turn about again, and compose himself to sleep.

In its severity and bleakness the church fairly matched the man, who, old and gaunt and grey, was its central figure; who, like it, embodied, meagrely and plainly as he dressed, the greatness of old associations, and like it, if in a hard and forbidding way, owned and exacted an unchanging standard of duty.

For he was the Squire. Whatever might be done elsewhere, nothing was done in that parish without him. The parson, aged and apathetic, knew better than to cross his will-had he not to get in his tithes? The farmers were his tenants, the overseers rested in the hollow of his hand. Hardly a man was hired and no man was relieved, no old wife sent back to her distant settlement, no lad apprenticed, but as he pleased. He was the Squire.

On Sundays the tenants waited in the churchyard until he arrived, and it was this which deceived Arthur when, Mrs. Bourdillon feeling unequal to the service, he reached the church next morning. He found the porch empty, and concluding that his uncle had entered, he made his way to the Cottage pew, which was abreast of the great man's. But in the act of sitting down he saw, glancing round the red curtain, that Josina was alone. It struck him then that it would be pleasant to sit beside her and entertain himself with her conscious face, and he crossed over and let himself into the Squire's pew. He had the satisfaction of seeing the blood mount swiftly to her cheeks, but the next moment he found the old man-who had that morning sent word that he would be late-at his elbow, in the act of entering behind him.

It was too late to retreat, and with a face as hot as Josina's he stumbled over the straw-covered footstool and sat down on her other hand. He knew that the Squire would resent his presence after what had happened, and when he stood up his ears were tingling. But he soon recovered himself. He saw the comic side of the situation, and long before the sermon was over, he found himself sufficiently at ease to enjoy some of the agréments which he had foreseen.

Carved roughly with a penknife on the front of the pew was a heart surmounting two clasped hands. Below each hand were initials-his own and Josina's; and he never let the girl forget the August afternoon, three years before, when he had induced her to do her share. She had refused many times; then, like Eve in the garden, she had succumbed on a drowsy afternoon when they had had the pew to themselves and the drone of the preacher's voice had barely risen above the hum of the bees. She had been little more than a child at the time, and ever since that day the apple had been to her both sweet and bitter. For she was not a child now, and, a woman, she rebelled against Arthur's power to bring the blood to her cheeks and to play-with looks rather than words, for of these he was chary-upon feelings which she could not mask.

Of late resentment had been more and more gaining the upper hand with her. But to-day she forgave. She feared that which might pass between him and his uncle at the close of the service, and she had not the heart to be angry. However, when the dreaded moment came she was pleasantly disappointed. When they reached the porch, "Take my seat, take my meat," the Squire said grimly. "Are you coming up?"

"If I may, sir?

"I want a word with you."

This was not promising, but it might have been worse, and little more was said as the three passed, the congregation standing uncovered, down the Churchyard Walk and along the road to Garth.

The Squire, always taciturn, strode on in silence, his eyes on his fields. The other two said little, feeling trouble in the air. Fortunately at the early dinner there was a fourth to mend matters in the shape of Miss Peacock, the Squire's housekeeper. She was a distant relation who had spent most of her life at Garth; who considered the Squire the first of men, his will as law, and who from Josina's earliest days had set her an example of servile obedience. To ask what Mr. Griffin did not offer, to doubt where he had laid down the law, was to Miss Peacock flat treason; and where a stronger mind might have moulded the girl to a firmer shape, the old maid's influence had wrought in the other direction. A tall meagre spinster, a weak replica of the Squire, she came of generations of women who had been ruled by their men and trained to take the second place. The Squire's two wives, his first, whose only child had fallen, a boy-ensign, at Alexandria, his second, Josina's mother, had held the same tradition, and Josina promised to abide by it.

When the Peacock rose Jos hesitated. The Squire saw it. "Do you go, girl," he said. "Be off!"

For once she wavered-she feared what might happen between the two. But "Do you hear?" the Squire growled. "Go when you are told."

She went then, but Arthur could not restrain his indignation. "Poor Jos!" he muttered.

Unluckily the Squire heard the words, and "Poor Jos!" he repeated, scowling at the offender. "What the devil do you mean, sir? Poor Jos, indeed? Confound your impudence! What do you mean?"

Arthur quailed, but he was not lacking in wit. "Only that women like a secret, sir," he said. "And a woman, shut out, fancies that there is a secret."

"Umph! A devilish lot you know about women!" the old man snarled. "But never mind that. I saw your mother yesterday."

"So she told me, sir."

"Ay! And I dare say you didn't like what she told you! But I want you to understand, young man, once for all, that you've got to choose between Aldersbury and Garth. Do you hear? I've done my duty. I kept the living for you, as I promised your father, and whether you take it or not, I expect you to do yours, and to live as the Griffins have lived before you. Who the devil is this man Ovington? Why do you want to mix yourself up with him? Eh? A man whose father touched his hat to me and would no more have thought of sitting at my table than my butler would! There, pass the bottle."

"Would you have no man rise, sir?" Arthur ventured.

"Rise?" The Squire glared at him from under his great bushy eyebrows. "It's not to his rise, it's to your fall I object, sir. A d-d silly scheme this, and one I won't have. D'you hear, I won't have it."

Arthur kept his temper, oppressed by the other's violence. "Still, you must own, sir, that times are changed," he said.

"Changed? Damnably changed when a Griffin wants to go into trade in Aldersbury."

"But banking is hardly a trade."

"Not a trade? Of course it's a trade-if usury is a trade! If pawn-broking is a trade! If loan-jobbing is a trade! Of course it's a trade."

The gibe stung Arthur and he plucked up spirit. "At any rate, it is a lucrative one," he rejoined. "And I've never heard, sir, that you were indifferent to money."

"Oh! Because I'm going to charge your mother rent? Well, isn't the Cottage mine? Or because fifty years ago I came into a cumbered estate and have pinched and saved and starved to clear it? Saved? I have saved. But I've saved out of the land like a gentleman, and like my fathers before me, and not by usury. Not by money-jobbing. And if you expect to benefit-but there, fill your glass, and let's hear your tongue. What do you say to it?"

"As to the living," Arthur said mildly, "I don't think you consider, sir, that what was a decent livelihood no longer keeps a gentleman as a gentleman. Times are changed, incomes are changed, men are richer. I see men everywhere making fortunes by what you call trade, sir; making fortunes and buying estates and founding houses."

"And shouldering out the old gentry? Ay, damme, and I see it too," the Squire retorted, taking the word out of his mouth. "I see plenty of it. And you think to be one of them, do you? To join them and be another Peel, or one of Pitt's money-bag peers? That's in your mind, is it? A Mr. Coutts? And to buy out my lord and drive your coach and four into Aldersbury, and splash dirt over better men than yourself?"

"I should be not the less a Griffin."

"A Griffin with dirty hands!" with contempt. "That's what you'd be. And vote Radical and prate of Reform and scorn the land that bred you. And talk of the Rights of Men and money-bags, eh? That's your notion, is it, by G-d?"

"Of course, sir, if you look at it in that way-"

"That's the way I do look at it!" The Squire brought down his hand on the table with a force that shook the glasses and spilled some of his wine. "And it's the way you've got to look at it, or there won't be much between you and me-or you and mine. Or mine, do you hear! I'll have no tradesman at Garth and none of that way of thinking. So you'd best give heed before it's too late. You'd best look at it all ways."

"Very well, sir."

"Any more wine?"

"No, thank you." Arthur's head was high. He did not lack spirit.

"Then hear my last word. I won't have it! That's plain. That's plain, and now you know. And, hark ye, as you go out, send Peacock to me."

But before Arthur had made his way out, the Squire's voice was heard, roaring for Josina. When Miss Peacock presented herself, "Not you! Who the devil wants you?" he stormed. "Send the girl! D'you hear? Send the girl!"

And when Josina, scared and trembling, came in her turn, "Shut the door!" he commanded. "And listen! I've had a talk with that puppy, who thinks that he knows more than his betters. D-n his impertinence, coming into my pew when he thought I was elsewhere! But I know very well why he came, young woman, sneaking in to sit beside you and make sheep's eyes when my back was turned. Now, do you listen to me. You'll keep him at arm's length. Do you hear, Miss? You'll have nothing to say to him unless I give you leave. He's got to do with me now, and it depends on me whether there's any more of it. I know what he wants, but by G-d, I'm your father, and if he does not mend his manners, he goes to the right-about. So let me hear of no more billing and cooing and meeting in pews, unless I give the word! D'you understand, girl?"

"But I think you're mistaken, sir," poor Jos ventured. "I don't think that he means-"

"I know what he means. And so do you. But never you mind! Till I say the word there's an end of it. The puppy, with his Peels and his peers! Men my father wouldn't have-but there, you understand now, and you'll obey, or I'll know the reason why!"

"Then he's not to come to Garth, sir?"

But the Squire checked at that. Family feeling and the pride of hospitality were strong in him, and to forbid his only nephew the family house went beyond his mind at present.

"To Garth?" angrily. "Who said anything about Garth? No, Miss, but when he comes, you'll stand him off. You know very well how to do it, though you look as if butter wouldn't melt in your mouth! You'll see that he keeps his distance. And let me have no tears, or-d-n the fellow, he's spoiled my nap. There, go! Go! I might as well have a swarm of wasps about me as such folks! Pack o' fools and idiots! Go into a bank, indeed!"

Jos did go, and shutting herself up in her room would not open to Miss Peacock, who came fluttering to the door to learn what was amiss. And she cried a little, but it was as much in humiliation as grief. Her father was holding her on offer, to be given or withheld, as he pleased, while all the time she doubted, and more than doubted, if he to whom she was on offer, he from whom she was withheld, wanted her. There was the rub.