That night as Hendricks and Dolan walked over the town together, Dolan said: "Did you ever know, Robert"--that was as near familiarity as the elder man came with Hendricks--"that Mart Culpepper owed his son-in-law a lot of money?" "Well," returned Hendricks, "he borrowed a lot fifteen years ago or such a matter; why?" "Well," answered Dolan, "I served papers on Mart to-day in a suit for--I dunno, a lot of money--as I remember it about fifteen thousand dollars. That seems like a good deal." Hendricks grunted, and they walked on in silence. Hendricks knew from Brownwell's overdraft that things were not going well with him, and he believed that matters must have reached a painful crisis in the Culpepper family if Brownwell had brought suit against the colonel. The next morning Colonel Martin Culpepper came into the bank. He had grown into a large gray man--with gray hair, gray mustaches of undiminished size, and chin whiskers grayed and broadened with the years. His fine black eyes were just beginning to lose their lustre, and the spring was going out of his stride. As he came into the bank, Hendricks noticed that the colonel seemed to shuffle just a little. He put out his fat hand, and said:-- "Robert, will you come into the back room with me a moment? It isn't business--I just want to talk with you." He smiled apologetically and added, "Just troubles, Robert--just an old man wants to talk to some one, in point of fact." Hendricks followed the colonel into the directors' room, and without ceremony the colonel sank heavily into a fat leather chair, facing the window, and Hendricks sat down facing the colonel. The colonel looked at the floor and fumbled his triangular watch-charm a moment, and cleared his throat, as he spoke, "I don't know just how to begin--to get at it--to proceed, as I may say, Robert." Hendricks did not reply, and the colonel went on, "I just wanted to talk to some one, that's all--to talk to you--just to you, sir, to be exact." Hendricks looked kindly at the colonel, whose averted eyes made the younger man feel uncomfortable. Then he said gently, "Well, Colonel, don't be backward about saying what you want to to me." It was a long speech for Hendricks, and he felt it, and then qualified it with, "But, of course, I don't want to urge you." The colonel's face showed a flush of courage to Hendricks, but the courage passed, and there was a silence, and then a little twitch under his eyes told Hendricks that the colonel was contemplating a flank attack as he spoke, "Robert, may I ask you in confidence if Adrian Brownwell is hard up?" Hendricks believed the truth would bring matters to a head, and he answered, "Well, I shouldn't wonder, Colonel." "Very hard up?" pressed the colonel. Hendricks remembered Brownwell's overdraft and half a dozen past due notes to cover other overdrafts and answered, "Well, Colonel, not desperate, but you know the _Index_ has been getting the best of the _Banner_ for two or three years."