|HOAG had some important business to transact in the little bank on one of the comers of the Square, and he was detained there half an hour or more. The thought flashed on him, as he sat alone at the banker's desk in the rear, that a prudent man at such a time would make a will; but the idea chilled him, horrified him. This feeling was followed by a desperate sort of anger over the realization that a low, shiftless clodhopper could so materially upset a man of his importance. He had recalled the idle remark which had reached Warren's ears, and knew it was the kind of thing the man would fight to the death about. And there was no way out of it--no way under the sun. He could not--as Trawley had said--appeal to the law for protection; such a course would make him the laughing-stock of all his followers, who thought him to be a man of unquestioned courage. Hoag drew a sheet of paper to him and began to write, but was unable to fix his mind on the matter in hand. It seemed utterly trivial beside the encroaching horror. Jeff Warren might walk in at any moment and level his revolver; Jeff Warren would kill the traducer of a woman in a church or in a group of mourners over a new grave and feel that he had done his duty. Hoag crumpled up the sheet of paper and dropped it into a waste-paper basket under the desk. He thrust his hand behind him and drew out his revolver and looked at it. He noticed, as he twirled the polished cylinder, that his fingers shook. He ground his teeth, uttered a low oath, and put the revolver back into his pocket. How could he defend himself with nerves such as the combination of tobacco and whisky had given him? He rose and went through the bank to the street, returning the banker's smiling salutation from the little grated window as he passed out. He drew a breath of relief when he reached the sidewalk, for Warren was not in sight. To Hoag an irrelevant sort of mocking placidity rested on the scene. Storekeepers, clerks, and cotton-buyers were moving about without their coats, pencils behind their ears. Countrymen from the mountains in white-hooded wagons were unloading grain, potatoes, apples, chickens in coops, and bales of hay, with their hearts in their work, while he, the financial superior of them all, was every minute expecting to grapple with a bloody and ignominious death. He had a deed to record at the Court House, and he went into the big, cool building and turned the document over to the clerk with instructions to keep the paper till he called for it. Two lank, coatless farmers, seated near the desk, were playing checkers on a worn, greasy board. “Ah, ha!” one of them said, “cap that un, an' watch me swipe the balance.”