ly attracted his attention. It was that of Mr. Berg,
and Tom at once recalled the night he had pursued the submarine agent,
and torn loose his watch charm. Mr. Berg was evidently going to enter
the new bank, for, at the sight of the former agent, Mr. Foger
descended the steps, and went to meet him.

Tom, however, had decided upon a plan of action. He steered his machine
in toward the curb, ran up the steel wind-shield, and called:

"Mr. Berg!"

"Eh? What's that?" asked the agent, in some surprise. Then, as he
caught sight of Tom, and recognized him, he added: "I'm very busy now,
my young friend. You'll have to excuse me."

"I won't detain you a moment," went on Tom, casually. "I have something
of yours that I wish to return to you."

"Something of mine?" Mr. Berg was evidently puzzled. He approached the
electric car, in spite of the fact that Mr. Foger was calling him.
"Something of mine? What is it?"

"This!" exclaimed Tom suddenly, extending the compass watch charm,
which he always carried with him of late.

"That! Where did you get that. I lost it--"

Mr. Berg paused in some confusion.

"I grabbed it off your watch chain the night you were hiding in our
shrubbery, and tripped me into the brook," answered the lad, looking
the man squarely in the eye.

"Hiding? Tripped you? Grabbed that off my chain--" stammered Mr. Berg.
He had taken the charm up in his fingers, but now he quickly dropped it
back into Tom's hand. "I guess you're mistaken," he added quickly.
"That's not mine. I never had one--I--er--that's not mine--at
least--Oh, you'll have to excuse me, young man, I'm in a hurry, and I
have an important engagement!" and with that Mr. Berg wheeled off, and
joined Mr. Foger, who stood on the sidewalk, waiting for him.

"I thought sure it was yours," said Tom, easily. "Perhaps Mr. Foger
will keep it in one of the safety-deposit boxes of his bank, until the
owner claims it," and he looked at the banker.

"What's that?" asked Andy's father.

"This watch charm which I grabbed off Mr. Berg's chain the night he was
sneaking around our house, and crossed the electric wires," went on the
lad.

"Don't listen to him. He doesn't know what he is saying!" exclaimed the
former submarine boat agent. "It's not my charm. He's crazy!"

"Oh, am I?" thought Tom, with a grim look on his face. "Well, we'll see
about that, Mr. Berg," and, putting the charm back in his pocket, Tom
swung his machine toward home, while the a