"All right," said the examiner, turning and charging upon the general bookkeeper, who had the statements of his foreign banks and their reconcilement memoranda ready. Everything there was found to be all right. Then the stub book of the certificates of deposit. Flutter--flutter--zip--zip--check! All right. List of over-drafts, please. Thanks. H'm-m. Unsigned bills of the bank, next. All right. Then came the cashier's turn, and easy-going Mr. Edlinger rubbed his nose and polished his glasses nervously under the quick fire of questions concerning the circulation, undivided profits, bank real estate, and stock ownership. Presently Nettlewick was aware of a big man towering above him at his elbow--a man sixty years of age, rugged and hale, with a rough, grizzled beard, a mass of gray hair, and a pair of penetrating blue eyes that confronted the formidable glasses of the examiner without a flicker. "Er--Major Kingman, our president--er--Mr. Nettlewick," said the cashier. Two men of very different types shook hands. One was a finished product of the world of straight lines, conventional methods, and formal affairs. The other was something freer, wider, and nearer to nature. Tom Kingman had not been cut to any pattern. He had been mule-driver, cowboy, ranger, soldier, sheriff, prospector, and cattleman. Now, when he was bank president, his old comrades from the prairies, of the saddle, tent, and trail found no change in him. He had made his fortune when Texas cattle were at the high tide of value, and had organized the First National Bank of San Rosario. In spite of his largeness of heart and sometimes unwise generosity toward his old friends, the bank had prospered, for Major Tom Kingman knew men as well as he knew cattle. Of late years the cattle business had known a depression, and the major's bank was one of the few whose losses had not been great. "And now," said the examiner, briskly, pulling out his watch, "the last thing is the loans. We will take them up now, if you please." He had gone through the First National at almost record-breaking speed--but thoroughly, as he did everything. The running order of the bank was smooth and clean, and that had facilitated his work. There was but one other bank in the town. He received from the Government a fee of twenty-five dollars for each bank that he examined. He should be able to go over those loans and discounts in half an hour. If so, he could examine the other bank immediately afterward, and catch the 11.45, the only other train that day in the direction he was working. Otherwise, he would have to spend the night and Sunday in this uninteresting Western town. That was why Mr. Nettlewick was rushing matters.