uilding society, and then a second share. After continuing to pay
upon these shares for some time, he purchased a piece of land, upon
which he built two houses. One of these he occupies himself, and the
other he lets. Besides this, he is now a respectable tradesman, having
two or three journeymen and an apprentice working for him. He is sober
and steady, and much respected by his friends and neighbours.

Many other cases of the same kind might be mentioned. In one case a boy
saved sufficient money to buy a suit of clothes for his father, who had
spent all his earnings in drink, and reduced himself and his family to
poverty; in other cases, sons and daughters maintain their infirm
parents without resorting to the parochial Board for assistance. Some
save for one thing; some for another. Some save to emigrate; some to buy
clothes; some to buy a watch; but in all cases frugality is trained,
until saving becomes habitual.

One of the Yorkshire actuaries of the Penny Bank tells the following
anecdote as conveying a lesson of perseverance and encouragement to
branch managers. "Mr. Smith was one of our first managers, but after
attending two or three times he left us, saying it was 'childish work.'
My answer was, 'It is with children we have to do.' A short time after,
I met him, and in the course of conversation I observed that I sometimes
got _down in the mouth_, and did not know whether we were doing any
good, and felt disposed to give up the bank; on which he warmly replied,
'For God's sake, you must not let such an idea get into your head; you
little know the good you are doing; we have not a man about our place
but either himself or some members of his family are depositors.'" The
actuary adds, "If Colonel Akroyd ever despairs, I give him the above
answer."

Savings banks have thus been the means of doing an immense amount of
good. They have brought peace, happiness, and comfort into many
thousands of families. The example of Mr. Akroyd should be largely
imitated, and there ought not to be a county in the kingdom without its
organized system of Penny Banks.

CHAPTER XI.

THE CROSSLEYS--MASTERS AND MEN (CONTINUED).

"The sense to enjoy riches, with the art
T' enjoy them, and the virtue to impart."--_Pope_.

"My ventures are not in one bottom trusted,
Nor to one place; nor is my whole estate
Upon the fortune o' this present year."--_Shakespeare_.

"The roughest road often leads to the smoothest fortune