After carefully scrutinizing this paper with an air and expression of countenance that showed his business character, the stern and cold features of which damped James's hopes not a little, and at times caused a fluttering at his heart, which he had never felt before-- 'You are aware, I presume, Mr. Montjoy, that these are not only precarious times, in which the Bank feel that the utmost caution must be used, but the times are also very difficult. We cannot aid often, where we not only wish to, but should feel safe in so doing. It is as necessary for us to keep our credit unblemished as for individuals. I will, however, lay your proposition before the Board; if you will call again at one o'clock, you shall have the answer.' Two long hours of intense anxiety were passed, such as James had never before experienced. Not caring to return to the house of Mr. McFall, he repaired to a grove which lined the banks of pretty river that glided through the place; he sat down beneath the shade, and listened to the murmuring stream and the warbling birds--they were sights and sounds which he had always loved; but he now realized how necessary it was to the enjoyment of nature's simple sweets, to have a mind at rest. How often had he, after a weary day, sat in the quiet evening, and with Ned enjoyed its calm serenity, and watched the moonbeams play upon the water, or through the trembling leaves, and the bright stars coming one by one and gemming all the sky! What pure and peaceful thoughts they kindled, and how unalloyed the happiness that spread its soothing, quickening glow through all his frame! How he looked back now, as to an Eden, where he once had dwelt, but from which he seemed to be expelled for ever! Care, that canker of the heart, had come and taken, like a strong man armed, the full possession of his powers; tinging the heavens and the earth with its dark hue, and spoiling all their beauties. At the time appointed he returned to the Bank; it seemed to him that the interests of the universe were at stake; and as he walked up to the tall, commanding form of the Cashier, the man appeared to be vested with a power that held the very springs of life at his command. He was received with the same gentlemanly manner as at his introduction, and requested to walk behind the counter and take a seat, and as though he knew the workings of the young man's mind, and wished at once to relieve his suspense--