He was the moneyed man of the place, and, although comparatively a new comer, was the autocrat of the settlement. His first visit to the town, "prospecting," caused considerable commotion; for if the groves and prairies had been arranged on the plan of a vast whispering-gallery, the fact that he had a golden purse could scarcely have circulated more rapidly. Many prophesied he would not condescend to dwell in so small a town--a surmise that seemed the more probable from his haughty, overbearing carriage. And when it was certain that he had bought out the best of the two stores, and carpenters were set to work building a large addition to the grocery, and teams arrived from the Mississippi loaded with barrels and boxes of goods, there was general congratulation. The town will go ahead now, the settlers said; men of capital are beginning to come in, and land is sure to rise. But Mr. Cowles did not pitch his tent there for the benefit of the public, as the public soon had reason to know. He invested nothing in "improvements," but simply kept his stock replenished, selling at the high frontier prices, giving credit when wanted, but always taking ample security, and letting money in the same way, at five per cent. per month. The settlers had met with the usual financial disappointments of the frontier, and then a business revulsion at the east caused a fall in the value of land, and a diminution of immigration; and, having expended the little they had on their arrival, they were compelled to do as best they could. In this extremity it became common for them to get trusted at the store for groceries, and hire money of its proprietor; and in an astonishingly short space of time, the sharp grocer held mortgages on most of the farms in the neighborhood. He was inexorable when pay-day came; and if the money was not ready, he foreclosed, deaf to all appeals. But of this he invariably gave each one who applied for a loan an offensively plain warning. He was a middle-sized, broad-chested, black-eyed man, muscular, passionate, blasphemously profane, heavy-voiced, had a remarkable command of language, and when angered his eyes seemed to shoot lightning, and he would gesticulate with great energy. There was no respect of persons or station with him; high and low were served alike. When credit or money was asked for, he would say,-- "Certainly, sir; but, mind you," with a fearful oath, "if you don't pay according to agreement, I shan't wait a moment. Everybody that deals with me has to be on the square. O, yes; you _expect_ to pay, but you won't. And don't you come whining and crying round me then; it won't make any sort of difference. I've put my grip on your land, and I tell you now that I shan't let go. Don't you say, then, that I didn't tell you beforehand just how it would turn out."