harbor, the wharves crowded with shipping, and the neighboring
shores of Long Island and New Jersey. Towards the north they looked
down for many miles upon continuous lines of streets, and thousands
of roofs, with here and there a church-spire rising above its
neighbors. Dick had never before been up there, and he, as well as
Frank, was interested in the grand view spread before them.

At length they descended, and were going down the granite steps on
the outside of the building, when they were addressed by a young
man, whose appearance is worth describing.

He was tall, and rather loosely put together, with small eyes and
rather a prominent nose. His clothing had evidently not been
furnished by a city tailor. He wore a blue coat with brass buttons,
and pantaloons of rather scanty dimensions, which were several
inches too short to cover his lower limbs. He held in his hand a
piece of paper, and his countenance wore a look of mingled
bewilderment and anxiety.

"Be they a-payin' out money inside there?" he asked, indicating the
interior by a motion of his hand.

"I guess so," said Dick. "Are you a-goin' in for some?"

"Wal, yes. I've got an order here for sixty dollars,--made a kind of
speculation this morning."

"How was it?" asked Frank.

"Wal, you see I brought down some money to put in the bank, fifty