As Tom waxed old, however, he grew thoughtful.  Having secured the good things of this world, he began to feel anxious about those of the next.  He thought with regret on the bargain he had made with his black friend, and set his wits to work to cheat him out of the conditions.  He became, therefore, all of a sudden, a violent church-goer.  He prayed loudly and strenuously as if heaven were to be taken by force of lungs.  Indeed, one might always tell when he had sinned most during the week, by the clamor of his Sunday devotion.  The quiet Christians who had been modestly and steadfastly travelling Zion-ward, were struck with self-reproach at seeing themselves so suddenly outstripped in their career by this new-made convert.  Tom was as rigid in religious, as in money matters; he was a stern supervisor and censurer of his neighbors, and seemed to think every sin entered up to their account became a credit on his own side of the page.  He even talked of the expediency of reviving the persecution of quakers and anabaptists.  In a word, Tom’s zeal became as notorious as his riches.

Still, in spite of all this strenuous attention to forms, Tom had a Lurking dread that the devil, after all, would have his due.  That he might not be taken unawares, therefore, it is said he always carried a small Bible in his coat pocket.  He had also a great folio Bible on his counting-house desk, and would frequently be found reading it when people called on business; on such occasions he would lay his green spectacles on the book, to mark the place, while he turned round to drive some usurious bargain.

Some say that Tom grew a little crack-brained in his old days, and that fancying his end approaching, he had his horse new shod, saddled and bridled, and buried with his feet uppermost; because he supposed that at the last day the world would be turned upside down; in which case he should find his horse standing ready for mounting, and he was determined at the worst to give his old friend a run for it.  This, however, is probably a mere old wives’ fable.  If he really did take such a precaution it was totally superfluous; at least so says the authentic old legend, which closes his story in the following manner: 

On one hot afternoon in the dog days, just as a terrible black thunder-gust was coming up, Tom sat in his counting-house in his white linen cap and India silk morning-gown.  He was on the point of foreclosing a mortgage, by which he would complete the ruin of an unlucky land speculator for whom he had professed the greatest friendship.  The poor land jobber begged him to grant a few months’ indulgence.  Tom had grown testy and irritated and refused another day.

“My family will be ruined and brought upon the parish,” said the land jobber.

“Charity begins at home,” replied Tom, “I must take care of myself in these hard times.”

“You have made so much money out of me,” said the speculator.