re, to his
dismay, Girard saw the walls and ceiling covered with spots of ink,
which the cashier had dashed on them with a brush.

"Do you mean to say there are a million of dots here?" he cried,
angrily.

"Count them, and see," replied his subordinate, laughing. "You know the
wager was a million of dots with ink."

"But I expected you would make them with the pen."

"I did not undertake any thing of the kind."

The joke was too good, and the merchant not only paid the amount of the
wager, but the cost of cleaning the walls.

In 1810 the question of renewing the charter of the old Bank of the
United States was actively discussed. Girard was a warm friend of that
institution, which he believed had been the cause of a very great part
of the prosperity of the country, and was firmly convinced that Congress
would renew the charter. In this belief he ordered the Barings, of
London, to invest all his funds in their hands in shares of the Bank of
the United States, which was done, during the following year, to the
amount of half a million of dollars. When the charter expired, he was
the principal creditor of that institution, which Congress refused to
renew. Discovering that he could purchase the old Bank and the cashier's
house for one hundred and twenty thousand dollars, he at once secured
them, and on the 12th of May, 1812, opened the Girard Bank, with a
capital of one million two hundred thousand dollars, which he increased
the next year by one hundred thousand dollars more. He retained all the
old officers of the Bank of the United States, especially the cashier,
Mr. Simpson, to whose skill and experience he was greatly indebted for
his subsequent success.

Finding that the salaries which had been paid by the Government were
higher than those paid elsewhere, he cut them down to the rate given by
the other banks. The watchman had always received from the old Bank the
gift of an overcoat at Christmas, but Girard put a stop to this. He gave
no gratuities to any of his employes, but confined them to the
compensation for which they had bargained; yet he contrived to get out
of them service more devoted than was received by other men who paid
higher wages and made presents. Appeals to him for aid were unanswered.
No poor man ever came full-handed from his presence. He turned a deaf
ear to the entreaties of failing merchants to help them on their feet
again. He was neither generous nor charitable. When his faithful cashi