"What a queer chap you are, Dick!" said Frank, laughing. "You always
seem to be in good spirits."

"No, I ain't always. Sometimes I have the blues."

"When?"

"Well, once last winter it was awful cold, and there was big holes
in my shoes, and my gloves and all my warm clothes was at the
tailor's. I felt as if life was sort of tough, and I'd like it if
some rich man would adopt me, and give me plenty to eat and drink
and wear, without my havin' to look so sharp after it. Then agin'
when I've seen boys with good homes, and fathers, and mothers, I've
thought I'd like to have somebody to care for me."

Dick's tone changed as he said this, from his usual levity, and
there was a touch of sadness in it. Frank, blessed with a good home
and indulgent parents, could not help pitying the friendless boy who
had found life such up-hill work.

"Don't say you have no one to care for you, Dick," he said, lightly
laying his hand on Dick's shoulder. "I will care for you."

"Will you?"

"If you will let me."

"I wish you would," said Dick, earnestly. "I'd like to feel that I
have one friend who cares for me."

Central Park was now before them, but it was far from presenting
the appearance which it now exhibits. It had not been long since
work had been commenced upon it, and it was still very rough and
unfinished. A rough tract of land, two miles and a half from north
to south, and a half a mile broad, very rocky in parts, was the
material from which the Park Commissioners have made the present
beautiful enclosure. There were no houses of good appearance near
it, buildings being limited mainly to rude temporary huts used by
the workmen who were employed in improving it. The time will
undoubtedly come when the Park will be surrounded by elegant
residences, and compare favorably in this respect with the most
attractive parts of any city in the world. But at the time when
Frank and Dick visited it, not much could be said in favor either
of the Park or its neighborhood.

"If this is Central Park," said Frank, who naturally felt
disappointed, "I don't think much of it. My father's got a large
pasture that is much nicer."

"It'll look better some time," said Dick. "There ain't much to see
now but rocks. We will take a walk over it if you want to."

"No," said Frank, "I've seen as much of it as I want to. Besides, I
feel tired."

"Then we'll go back. We can take the Sixth Avenue cars. They will
bring us out at Vesey Street just beside the Astor House."

"All right," said Frank. "That will be the best course. I hope," he
added, laughing, "our agreeable lady friend won't be there. I don't
care about being accused of _stealing_ again."

"She was a tough one," said Dick. "Wouldn't she make a nice wife for
a man that likes to live in hot water, and didn't mind bein' scalded
two or three times a day?"

"Yes, I think she'd just suit him. Is that the right car, Dick?"

"Yes, jump in, and I'll follow."

The Sixth Avenue is lined with stores, many of them of very good
appearance, and would make a very respectable principal street for a
good-sized city. But it is only one of several long business streets
which run up the island, and illustrate the extent and importance of
the city to which they belong.

No incidents worth mentioning took place during their ride down
town. In about three-quarters of an hour the boys got out of the car
beside the Astor House.

"Are you goin' in now, Frank?" asked Dick.

"That depends upon whether you have anything else to show me."

"Wouldn't you like to go to Wall Street?"

"That's the street where there are so many bankers and brokers,--isn't
it?"

"Yes, I s'pose you ain't afraid of bulls and bears,--are you?"

"Bulls and bears?" repeated Frank, puzzled.

"Yes."

"What are they?"

"The bulls is what tries to make the stocks go up, and the bears is
what try to growl 'em down."

"Oh, I see. Yes, I'd like to go."

Accordingly they walked down on the west side of Broadway as far as
Trinity Church, and then, crossing, entered a street not very wide
or very long, but of very great importance. The reader would be
astonished if he could know the amount of money involved in the
transactions which take place in a single day in this street. It
would be found that although Broadway is much greater in length, and
lined with stores, it stands second to Wall Street in this respect.

"What is that large marble building?" asked Frank, pointing to a
massive structure on the corner of Wall and Nassau Streets. It was
in the form of a parallelogram, two hundred feet long by ninety
wide, and about eighty feet in height, the ascent to the entrance
being by eighteen granite steps.

"That's the Custom House," said Dick.

"It looks like pictures I've seen of the Parthenon at Athens," said
Frank, meditatively.

"Where's Athens?" asked Dick. "It ain't in York State,--is it?"

"Not the Athens I mean, at any rate. It is in Greece, and was a
famous city two thousand years ago."

"That's longer than I can remember," said Dick. "I can't remember
distinctly more'n about a thousand years."

"What a chap you are, Dick! Do you know if we can go in?"

The boys ascertained, after a little inquiry, that they would be
allowed to do so. They accordingly entered the Custom House and made
their way up to the roof, from which they had a fine view of the
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
dollars it was, and I hadn't justly made up my mind what bank to put
it into, when a chap came up in a terrible hurry, and said it was
very unfortunate, but the bank wasn't open, and he must have some
money right off. He was obliged to go out of the city by the next
train. I asked him how much he wanted. He said fifty dollars. I told
him I'd got that, and he offered me a check on the bank for sixty,
and I let him have it. I thought that was a pretty easy way to earn
ten dollars, so I counted out the money and he went off. He told
me I'd hear a bell ring when they began to pay out money. But I've
waited most two hours, and I haint heard it yet. I'd ought to be
goin', for I told dad I'd be home to-night. Do you think I can get
the money now?"

"Will you show me the check?" asked Frank, who had listened
attentively to the countryman's story, and suspected that he had
been made the victim of a swindler. It was made out upon the
"Washington Bank," in the sum of sixty dollars, and was signed
"Ephraim Smith."

"Washington Bank!" repeated Frank. "Dick, is there such a bank in
the city?"

"Not as I knows on," said Dick. "Leastways I don't own any shares
in it."

"Ain't this the Washington Bank?" asked the countryman, pointing to
the building on the steps of which the three were now standing.

"No, it's the Custom House."

"And won't they give me any money for this?" asked the young man,
the perspiration standing on his brow.

"I am afraid the man who gave it to you was a swindler," said
Frank, gently.

"And won't I ever see my fifty dollars again?" asked the youth in
agony.

"I am afraid not."

"What'll dad say?" ejaculated the miserable youth. "It makes me feel
sick to think of it. I wish I had the feller here. I'd shake him out
of his boots."

"What did he look like? I'll call a policeman and you shall describe
him. Perhaps in that way you can get track of your money."

Dick called a policeman, who listened to the description, and
recognized the operator as an experienced swindler. He assured the
countryman that there was very little chance of his ever seeing his
money again. The boys left the miserable youth loudly bewailing his
bad luck, and proceeded on their way down the street.

"He's a baby," said Dick, contemptuously. "He'd ought to know how to
take care of himself and his money. A feller has to look sharp in
this city, or he'll lose his eye-teeth before he knows it."

"I suppose you never got swindled out of fifty dollars, Dick?"

"No, I don't carry no such small bills. I wish I did," he added.

"So do I, Dick. What's that building there at the end of the street?"

"That's the Wall-Street Ferry to Brooklyn."

"How long does it take to go across?"

"Not more'n five minutes."

"Suppose we just ride over and back."

"All right!" said Dick. "It's rather expensive; but if you don't
mind, I don't."

"Why, how much does it cost?"

"Two cents apiece."

"I guess I can stand that. Let us go."

They passed the gate, paying the fare to a man who stood at the
entrance, and were soon on the ferry-boat, bound for Brooklyn.

They had scarcely entered the boat, when Dick, grasping Frank
by the arm, pointed to a man just outside of the gentlemen's cabin.

"Do you see that man, Frank?" he inquired.

"Yes, what of him?"

"He's the man that cheated the country chap out of his fifty dollars."