.... This strange
fact made him uneasy, and he thought it betokened danger; he went
to the binnacle, saw the course he was steering, and without any
particular reason he ordered the steersman to alter the course one
point to the east.

After this it became quite dark, and he continued to promenade the
deck, and had settled into a drowsy state, when as in a dream he
thought he heard voices all round his ship. Waking up, he ran to
the side of the ship, saw something struggling in the water, and
heard clearly cries for help. Instantly heaving his ship to, and
lowering all his boats, he managed to pick up sixty or more persons
who were floating about on skylights, doors, spare, and whatever
fragments remained of the Central America. Had he not changed the
course of his vessel by reason of the mysterious conduct of that
man-of-war hawk, not a soul would probably have survived the night.
It was stated by the rescued passengers, among whom was Billy
Birch, that the Central America had sailed from Aspinwall with the
passengers and freight which left San Francisco on the 1st of
September, and encountered the gale in the Gulf Stream somewhere
off Savannah, in which she sprung a leak, filled rapidly, and went
down. The passengers who were saved had clung to doors, skylights,
and such floating objects as they could reach, and were thus
rescued; all the rest, some five hundred in number, had gone down
with the ship.

The panic grew worse and worse, and about the end of September
there was a general suspension of the banks of New York, and a
money crisis extended all over the country. In New York, Lucas,
Turner & Co. had nothing at risk. We had large cash balances in
the Metropolitan Bank and in the Bank of America, all safe, and we
held, for the account of the St. Louis house, at least two hundred
thousand dollars, of St. Louis city and county bonds, and of
acceptances falling due right along, none extending beyond ninety
days. I was advised from St. Louis that money matters were
extremely tight; but I did not dream of any danger in that quarter.
I knew well that Mr. Lucas was worth two or three million dollars
in the best real estate, and inferred from the large balances to
their credit with me that no mere panic could shake his credit;
but, early on the morning of October 7th, my cousin, James M. Hoyt,
came to me in bed, and read me a paragraph in the morning paper, to
the effect that James H. Lucas & Co., of St. Louis