This inflow of moneyed men from the country resulted in the establishment of a "seminary of learning" on the hillside, where the Soldiers' Home was to be located. This called in more farmers from the country, and a new hotel was built, a sash-and-door factory followed, and Burt McPhail set up a feed-mill. All this improvement unquestionably dated from the opening of the bank, and the most unreasoning partisans of the banker held him to be the chief cause of the resulting development of the town, though he himself modestly disclaimed any hand in the affair. Had Bluff Siding been a city, the highest civic honors would have been open to Banker Sanford; indeed, his name was repeatedly mentioned in connection with the county offices. "No, gentlemen," he explained, firmly, but courteously, in Wilson's store one night; "I'm a banker, not a politician. I can't ride two horses." In the second year of the bank's history he went up to the north part of the state on business, visiting West Superior, Duluth, Ashland, and other booming towns, and came back full of the wonders of what he saw. "There's big money up there, Nell," he said to his wife. But she had the woman's tendency to hold fast to what she had, and would not listen to any plans about moving. "Build up your business here, Jim, and don't worry about what good chances there are somewhere else." He said no more about it, but he took great interest in all the news the "boys" brought back from their annual deer-hunts "up north." They were all enthusiastic over West Superior and Duluth, and their wonderful development was the never-ending theme of discussion in Wilson's store. II The first two years of the bank's history were solidly successful, and "Jim" and "Nellie" were the head and front of all good works, and the provoking cause of most of the fun. No one seemed more care-free. "We consider ourselves just as young as anybody," Mrs. Sanford would say, when joked about going out with the young people so much; but sometimes at home, after the children were asleep, she sighed a little. "Jim, I wish you was in some kind of a business so I could help. I don't have enough to do. I s'pose I could mop an' dust, an' dust an' mop; but it seems sinful to waste time that way. Can't I do anything, Jim?" "Why, no. If you 'tend to the children and keep house, that's all anybody asks of you." She was silent, but not convinced. She had a desire to do something outside the walls of her house--a desire transmitted to her from her father, for a woman inherits these things. In the spring of the second year a number of the depositors drew out money to invest in Duluth and Superior lots, and the whole town was excited over the matter.