"You ask me if I have ever come across any ghosts in America. Well, I guess I have, several, and amongst others the Banshee. Oh, yes, I am Irish, although I speak with the nasal twang of the regular Yank. Everyone does who has lived in the Eastern States for any length of time. It's the climate. My name, however, is O'Hagan, and I was born in County Clare; and though my father was only a peasant, I'm a darned sight more Irish than half the people who possess titles and big estates in the old country to-day. "I emigrated from Ireland with my parents, when I was only a few weeks old, and we settled in New York, where I was working as a porter on the quays when the Civil War broke out. Like me, the majority of Irishmen who, as you know, are always ready to go wherever there's the chance of doing a bit of fighting, I at once enlisted in the Marines, for I was passionately fond of the sea, and in due course of time was transferred to a gunboat that patrolled the Carolina Coast on the lookout for Confederate blockade runners. Well, one night, shortly after I had turned in and was lying in my hammock, trying to get to sleep, which was none too easy, for one of my mates, an ex-actor, was snoring loud enough to wake the whole ship, I suddenly heard a tapping on the porthole close beside me. 'Hello,' says I to myself, 'that's an odd noise. It can't be the water, nor yet the wind; maybe it's a bird, a gull or albatross,' and I listened very attentively. The sound went on, but it had none of that hardness and sharpness about it that is occasioned by a beak, it was softer and more lingering, more like the tapping of fingers. Every now and then it left off, to go on again, tap, tap, tap, until, at last, it unnerved me to such an extent that I jumped out of my hammock and had a peep to see what it was. To my astonishment I saw a very white face pressed against the porthole, looking in at me. It was the face of a woman with raven black hair that fell in long ringlets about her neck and shoulders. She had big golden rings in her ears, that shone like anything as the moonbeams caught them, as did her teeth, too, which were the loveliest bits of ivory I have ever seen, absolutely even and without the slightest mar.