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Every Monday morning, when the clock of the old parish church in Scarnham Market-Place struck eight, Wallington Neale asked himself why on earth he had chosen to be a bank clerk. On all the other mornings of the week this question never occurred to him: on Sunday he never allowed a thought of the bank to cross his mind: from Sunday to Saturday he was firmly settled in the usual rut, and never dreamed of tearing himself out of it. But Sunday's break was unsettling: there was always an effort in starting afresh on Monday. The striking of St.

Alkmund's clock at eight on Monday morning invariably found him sitting down to his breakfast in his rooms, overlooking the quaint old Market-Place, once more faced by the fact that a week of dull, uninteresting work lay before him. He would go to the bank at nine, and at the bank he would remain, more or less, until five. He would do that again on Tuesday, and on Wednesday, and on Thursday and on Friday, and on Saturday. One afternoon, strolling in the adjacent country, he had seen a horse walking round and round and round in a small paddock, turning a crank which worked some machine or other in an adjoining shed: that horse had somehow suggested himself to himself.

On this particular Monday morning, Neale, happening to catch sight of his reflection in the mirror which stood on his parlour mantelpiece, propounded the usual question with added force. There were reasons. It was a beautiful morning. It was early spring. There was a blue sky, and the rooks and jackdaws were circling in a clear air about the church tower and over the old Market-Cross. He could hear thrushes singing in the trees in the Vicarage garden, close by. Everything was young. And he was young. It would have been affectation on his part to deny either his youth or his good looks. He glanced at his mirrored self without pride, but with due recognition of his good figure, his strong muscles, his handsome, boyish face, with its cluster of chestnut hair and steady grey eyes. All that, he knew, wanted life, animation, movement. At twenty-three he was longing for something to take him out of the treadmill round in which he had been fixed for five years. He had no taste for handing out money in exchange for cheques, in posting up ledgers, in writing dull, formal letters. He would have been much happier with an old flannel shirt, open at the throat, a pick in his hands, making a new road in a new country, or in driving a path through some primeval wood. There would have been liberty in either occupation: he could have flung down the pick at any moment and taken up the hunter's gun: he could have turned right or left at his own will in the unexplored forest. But there at the bank it was just doing the same thing over and over again: what he had done last week he would do again this week: what had happened last year would happen again this year. It was all pure, unadulterated, dismal monotony.

Like most things, it had come about without design: he had just drifted into it. His father and mother had both died when he was a boy; he had inherited a small property which brought in precisely one hundred and fifty pounds a year: it was tied up to him in such a fashion that he would have his three pounds a week as long as ever he lived. But as his guardian, Mr. John Horbury, the manager of Chestermarke's Bank at Scarnham, pointed out to him when he left school, he needed more than three pounds a week if he wished to live comfortably and like a gentleman. Still, a hundred and fifty a year of sure and settled income was a fine thing, an uncommonly fine thing-all that was necessary was to supplement it. Therefore-a nice, quiet, genteel profession-banking, to wit. Light work, an honourable calling, an eminently respectable one. In a few years he would have another hundred and fifty a year: a few years more, and he would be a manager, with at least six hundred: he might, well before he was a middle-aged man, be commanding a salary of a thousand a year. Banking, by all means, counselled Mr. Horbury-and offered him a vacancy which had just then arisen at Chestermarke's. And Neale, willing to be guided by a man for whom he had much respect, took the post, and settled down in the old bank in the quiet, sleepy market-town, wherein one day was precisely like another day-and every year his dislike for his work increased, and sometimes grew unbearably keen, especially when spring skies and spring air set up a sudden stirring in his blood. On this Monday morning that stirring amounted to something very like a physical ache.

"Hang the old bank!" he muttered. "I'd rather be a ploughman!"

Nevertheless, the bank must be attended, and, at ten minutes to nine, Neale lighted a cigarette, put on his hat, and strolled slowly across the Market-Place. Although he knew every single one of its cobblestones, every shop window, every landmark in it, that queer old square always fascinated him. It was a bit of old England. The ancient church and equally ancient Moot Hall spread along one side of it; the other three sides were filled with gabled and half-timbered houses; the Market-Cross which stood in the middle of the open space had been erected there in Henry the Seventh's time. Amidst all the change and development of the nineteenth century, Scarnham had been left untouched: even the bank itself was a time-worn building, and the manager's house which flanked it was still older. Underneath all these ancient structures were queer nooks and corners, secret passages and stairs, hiding-places, cellarings going far beneath the gardens at the backs of the houses: Neale, as a boy, had made many an exploration in them, especially beneath the bank-house, which was a veritable treasury of concealed stairways and cunningly contrived doors in the black oak of the panellings.

But on this occasion Neale did not stare admiringly at the old church, nor at the pilastered Moot Hall, nor at the toppling gables: his eyes were fixed on something else, something unusual. As soon as he walked out of the door of the house in which he lodged he saw his two fellow-clerks, Shirley and Patten, standing on the steps of the hall by which entrance was joined to the bank and to the bank-house. They stood there looking about them. Now they looked towards Finkleway-a narrow street which led to the railway station at the far end of the town. Now they looked towards Middlegate-a street which led into the open country, in the direction of Ellersdeane, where Mr. Gabriel Chestermarke, senior proprietor of the bank, resided. All that was unusual. If Patten, a mere boy, had been lounging there, Neale would not have noticed it. But it was Shirley's first duty, on arriving every morning, to get the keys at the house door, and to let himself into the bank by the adjoining private entrance. It was Patten's duty, on arrival, to take the letter-bag to the post-office and bring the bank's correspondence back in it. Never, in all his experience, had Neale seen any of Chestermarke's clerks lounging on the steps at nine o'clock in the morning, and he quickened his pace. Shirley, turning from a prolonged stare towards Finkleway, caught sight of him.

"Can't get in," he observed laconically, in answer to Neale's inquiring look. "Mr. Horbury isn't there, and he's got the keys."

"What do you mean-isn't there!" asked Neale, mounting the steps. "Not in the house?"

"Mean just what I say," replied Shirley. "Mrs. Carswell says she hasn't seen him since Saturday. She thinks he's been week-ending. I've been looking out for him coming along from the station. But if he came in by the 8.30, he's a long time getting up here. And if he hasn't come by that, there's no other train till the 10.45."

Neale made no answer. He, too, glanced towards Finkleway, and then at the church clock. It was just going to strike nine-and the station was only eight minutes away at the most. He passed the two junior clerks, went down the hall to the door of the bank-house, and entered. And just within he came face to face with the housekeeper, Mrs. Carswell.

Mrs. Carswell had kept house for Mr. John Horbury for some years-Neale remembered her from boyhood. He had always been puzzled about her age. Of late, since he knew more of grown-up folk, he had been still more puzzled. Sometimes he thought she was forty; sometimes he was sure she could not be more than thirty-two or three. Anyway, she was a fine, handsome woman-tall, perfectly shaped, with glossy black hair and dark eyes, and a firm, resolute mouth. It was rarely that Mrs. Carswell went out; when she did, she was easily the best-looking woman in Scarnham. Few Scarnham people, however, had the chance of cultivating her acquaintance; Mrs. Carswell kept herself to herself and seemed content to keep up her reputation as a model housekeeper. She ordered Mr. Horbury's domestic affairs in perfect fashion, and it had come upon Neale as a surprise to hear Shirley say that Mrs. Carswell did not know where the manager was.

"What's all this?" he demanded, as he met her within the hall. "Shirley says Mr. Horbury isn't at home? Where is he, then?"

"But I don't know, Mr. Neale," replied the housekeeper. "I know no more than you do. I've been expecting him to come in by that 8.30 train, but he can't have done that, or he'd have been up here by now."

"Perhaps it's late," suggested Neale.

"No-it's in," she said. "I saw it come in from my window, at the back. It was on time. So-I don't know what's become of him."

"But-what about Saturday?" asked Neale. "Shirley says you said Mr. Horbury went off on Saturday. Didn't he leave any word-didn't he say where he was going?"