“If you’ll O. K. them notes for discount, I’ll be much obliged, and won’t take up valuable time.”

“We’re tightening up on discounts—­calling in many loans, too,” stated President Britt, with financial frigidity.

“I know all about your calling loans, Mr. Britt.  Much obliged.  It makes a crackerjack market for me in the cattle business.  They’ve got to raise money, and I’m setting my own prices.”  Stickney thawed and beamed on Britt with a show of fraternal spirit, as if the banker were a co-conspirator in the job of shaking down the public.  “However, my notes there are all good butchers’ paper—­sound as a pennyroyal hymn!  I’ve got to have the cash so as to steal more cattle while the market is as it is.”

Britt pushed away the notes and seized the opportunity to turn his own papers upside down on the desk.  “We can’t accommodate you at present, Stickney.”

The customer stepped back and propped his palms on his hips.  “I reckon I’ve got to call for an explanation.”

“We’re not in the habit of explaining the details of our business to individuals.”

Stickney slipped the leash on his indignation. “‘We,’ say you?  All right!  ‘We’ it is.  I’m in on that ‘we.’  I’m a stockholder in the bank.  What sort of investments are ‘we’ making that have caused money to be so tight here that a regular customer is turned down—­and after enough loans have been called to make the vault bulge?”

“The report will show,” returned Britt, coldly.  “I am not called on to issue that report in installments every time a stockholder turns in here.”

The especial stockholder stepped forward and tapped his finger on the desk.  “I don’t say that you are.  But now that this subject is opened up—­”

“The subject is closed, Stickney.”

“Now that the subject is opened up,” insisted the other man, “I’ll make mention of what you probably know—­that I have regular business ’most every day down in Levant at the railroad terminus.  And I’m knowing to it that regular shipments of specie have been coming to the bank.  If that specie is in our vaults it ain’t sweating off more gold and silver, is it, or drawing interest?  I know you’re a shrewd operator, Britt.  I ain’t doubting but what your plans may be good.”

“They are!” President Britt’s retort was crisp.

“But when those plans put a crimp into my plans—­and me a steady customer—­I’m opening my mouth to ask questions.”

“You—­and all other stockholders—­will be fully informed by the annual report—­and will be pleased.”  Britt’s air was one of finality.

“Let me tell you that the mouth I have opened to ask questions will stay open in regard to hoarding that specie where it ain’t drawing interest.”

Britt jumped up and shook his fist under Stickney’s snub nose.  “Don’t you dare to go blabbing around the country!  You might as well set off a bomb under our bank as to circulate news that will attract robbers.”