IF Virginia had been unable to influence Stephen's life as she wished, this was far from being the case with Jane and Harriett, who had wholly abandoned themselves to her care and control, which had to do, unselfishly enough, with their comfort and convenience. They were also indebted to her for their mental outlook. They echoed her opinions and acquired her convictions, by which they endured with unshaken pertinacity, and she had furnished them with such prejudices as had found a home in their gentle unworldly hearts. In sentiment they were quite as much Landray as she was herself; and their pride in the name was quite equal to her own pride in it; while their affection for her was, aside from their affection for each other, quite the deepest emotion in their simple lives. Under these conditions Harriett had grown into young womanhood, a shy pretty girl, who looked out upon the world with soft, inexperienced eyes. But her father's death, and Stephen Landray's, and perhaps more than all, Virginia's beauty and silent devotion to her dead husband, had supplied a background of romance and mystery of which she was never wholly unconscious. Of society, as it was understood in Benson, she knew nothing; her mother had never made any friends in the town, and Virginia's own circle had narrowed; she went nowhere. Some day Harriett knew she would teach; this Virginia and Jane had decided for her. It was their conviction that it was the one thing a young lady could do without compromising her position, it was entirely dignified, a polite and unexceptional occupation where one was so unfortunate as to have her own future to consider; and so to teach, Harriett was fitting herself, when something happened which materially changed all her plans. Mr. Stark, who for many years had been the pioneer banker in Benson, had long since gone to his reward, and now there were several banks in the town; chief of these was the County Bank where the interest on certain loans which Benson had made for Virginia, with the money he had given her for the land in Belmont County, was regularly paid. Here Harriett often went for Virginia, and it was here she first met Mark Norton, whose uncle, Judge Norton, was interested in the fortunes of the bank; indeed, young Norton was supposed to be mastering the intricacies of the banking business under the judge's eye.