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The
next
witness
was
President
W.
C.
Davison
of
the
Girard
National
Bank
.
He
was
a
large
man
physically
,
not
so
round
of
body
as
full
and
broad
.
His
shoulders
and
chest
were
ample
.
He
had
a
big
blond
head
,
with
an
ample
breadth
of
forehead
,
which
was
high
and
sane-looking
.
He
had
a
thick
,
squat
nose
,
which
,
however
,
was
forceful
,
and
thin
,
firm
,
even
lips
.
There
was
the
faintest
touch
of
cynical
humor
in
his
hard
blue
eyes
at
times
;
but
mostly
he
was
friendly
,
alert
,
placid-looking
,
without
seeming
in
the
least
sentimental
or
even
kindly
.
His
business
,
as
one
could
see
plainly
,
was
to
insist
on
hard
financial
facts
,
and
one
could
see
also
how
he
would
naturally
be
drawn
to
Frank
Algernon
Cowperwood
without
being
mentally
dominated
or
upset
by
him
.
As
he
took
the
chair
very
quietly
,
and
yet
one
might
say
significantly
,
it
was
obvious
that
he
felt
that
this
sort
of
legal-financial
palaver
was
above
the
average
man
and
beneath
the
dignity
of
a
true
financier
--
in
other
words
,
a
bother
.
The
drowsy
Sparkheaver
holding
up
a
Bible
beside
him
for
him
to
swear
by
might
as
well
have
been
a
block
of
wood
.
His
oath
was
a
personal
matter
with
him
.
It
was
good
business
to
tell
the
truth
at
times
.
His
testimony
was
very
direct
and
very
simple
.
He
had
known
Mr.
Frank
Algernon
Cowperwood
for
nearly
ten
years
.
He
had
done
business
with
or
through
him
nearly
all
of
that
time
.
He
knew
nothing
of
his
personal
relations
with
Mr.
Stener
,
and
did
not
know
Mr.
Stener
personally
.
As
for
the
particular
check
of
sixty
thousand
dollars
--
yes
,
he
had
seen
it
before
.
It
had
come
into
the
bank
on
October
10th
along
with
other
collateral
to
offset
an
overdraft
on
the
part
of
Cowperwood
&
Co.
.
It
was
placed
to
the
credit
of
Cowperwood
&
Co.
on
the
books
of
the
bank
,
and
the
bank
secured
the
cash
through
the
clearing-house
.
No
money
was
drawn
out
of
the
bank
by
Cowperwood
&
Co.
after
that
to
create
an
overdraft
.
The
bank
's
account
with
Cowperwood
was
squared
.
Nevertheless
,
Mr.
Cowperwood
might
have
drawn
heavily
,
and
nothing
would
have
been
thought
of
it
.
Mr.
Davison
did
not
know
that
Mr.
Cowperwood
was
going
to
fail
--
did
not
suppose
that
he
could
,
so
quickly
.
He
had
frequently
overdrawn
his
account
with
the
bank
;
as
a
matter
of
fact
,
it
was
the
regular
course
of
his
business
to
overdraw
it
.
It
kept
his
assets
actively
in
use
,
which
was
the
height
of
good
business
.
His
overdrafts
were
protected
by
collateral
,
however
,
and
it
was
his
custom
to
send
bundles
of
collateral
or
checks
,
or
both
,
which
were
variously
distributed
to
keep
things
straight
.
Mr.
Cowperwood
's
account
was
the
largest
and
most
active
in
the
bank
,
Mr.
Davison
kindly
volunteered
.
When
Mr.
Cowperwood
had
failed
there
had
been
over
ninety
thousand
dollars
'
worth
of
certificates
of
city
loan
in
the
bank
's
possession
which
Mr
Cowperwood
had
sent
there
as
collateral
.
Shannon
,
on
cross-examination
,
tried
to
find
out
for
the
sake
of
the
effect
on
the
jury
,
whether
Mr.
Davison
was
not
for
some
ulterior
motive
especially
favorable
to
Cowperwood
.
It
was
not
possible
for
him
to
do
that
.
Steger
followed
,
and
did
his
best
to
render
the
favorable
points
made
by
Mr.
Davison
in
Cowperwood
's
behalf
perfectly
clear
to
the
jury
by
having
him
repeat
them
.
Shannon
objected
,
of
course
,
but
it
was
of
no
use
.
Steger
managed
to
make
his
point
.
He
now
decided
to
have
Cowperwood
take
the
stand
,
and
at
the
mention
of
his
name
in
this
connection
the
whole
courtroom
bristled
.
Cowperwood
came
forward
briskly
and
quickly
.
He
was
so
calm
,
so
jaunty
,
so
defiant
of
life
,
and
yet
so
courteous
to
it
.
These
lawyers
,
this
jury
,
this
straw-and-water
judge
,
these
machinations
of
fate
,
did
not
basically
disturb
or
humble
or
weaken
him
.
He
saw
through
the
mental
equipment
of
the
jury
at
once
.
He
wanted
to
assist
his
counsel
in
disturbing
and
confusing
Shannon
,
but
his
reason
told
him
that
only
an
indestructible
fabric
of
fact
or
seeming
would
do
it
.
He
believed
in
the
financial
rightness
of
the
thing
he
had
done
.
He
was
entitled
to
do
it
.
Life
was
war
--
particularly
financial
life
;
and
strategy
was
its
keynote
,
its
duty
,
its
necessity
.
Why
should
he
bother
about
petty
,
picayune
minds
which
could
not
understand
this
?
He
went
over
his
history
for
Steger
and
the
jury
,
and
put
the
sanest
,
most
comfortable
light
on
it
that
he
could
.
He
had
not
gone
to
Mr.
Stener
in
the
first
place
,
he
said
--
he
had
been
called
.
He
had
not
urged
Mr.
Stener
to
anything
.
He
had
merely
shown
him
and
his
friends
financial
possibilities
which
they
were
only
too
eager
to
seize
upon
.
And
they
had
seized
upon
them
.
(
It
was
not
possible
for
Shannon
to
discover
at
this
period
how
subtly
he
had
organized
his
street-car
companies
so
that
he
could
have
"
shaken
out
"
Stener
and
his
friends
without
their
being
able
to
voice
a
single
protest
,
so
he
talked
of
these
things
as
opportunities
which
he
had
made
for
Stener
and
others
.
Shannon
was
not
a
financier
,
neither
was
Steger
.
They
had
to
believe
in
a
way
,
though
they
doubted
it
,
partly
--
particularly
Shannon
.
)
He
was
not
responsible
for
the
custom
prevailing
in
the
office
of
the
city
treasurer
,
he
said
.
He
was
a
banker
and
broker
.
The
jury
looked
at
him
,
and
believed
all
except
this
matter
of
the
sixty-thousand-dollar
check
.
When
it
came
to
that
he
explained
it
all
plausibly
enough
.
When
he
had
gone
to
see
Stener
those
several
last
days
,
he
had
not
fancied
that
he
was
really
going
to
fail
.
He
had
asked
Stener
for
some
money
,
it
is
true
--
not
so
very
much
,
all
things
considered
--
one
hundred
and
fifty
thousand
dollars
;
but
,
as
Stener
should
have
testified
,
he
(
Cowperwood
)
was
not
disturbed
in
his
manner
.
Stener
had
merely
been
one
resource
of
his
.
He
was
satisfied
at
that
time
that
he
had
many
others
.
He
had
not
used
the
forceful
language
or
made
the
urgent
appeal
which
Stener
said
he
had
,
although
he
had
pointed
out
to
Stener
that
it
was
a
mistake
to
become
panic-stricken
,
also
to
withhold
further
credit
.
It
was
true
that
Stener
was
his
easiest
,
his
quickest
resource
,
but
not
his
only
one
.
He
thought
,
as
a
matter
of
fact
,
that
his
credit
would
be
greatly
extended
by
his
principal
money
friends
if
necessary
,
and
that
he
would
have
ample
time
to
patch
up
his
affairs
and
keep
things
going
until
the
storm
should
blow
over
.
He
had
told
Stener
of
his
extended
purchase
of
city
loan
to
stay
the
market
on
the
first
day
of
the
panic
,
and
of
the
fact
that
sixty
thousand
dollars
was
due
him
.
Stener
had
made
no
objection
.
It
was
just
possible
that
he
was
too
mentally
disturbed
at
the
time
to
pay
close
attention
.
After
that
,
to
his
,
Cowperwood
's
,
surprise
,
unexpected
pressure
on
great
financial
houses
from
unexpected
directions
had
caused
them
to
be
not
willingly
but
unfortunately
severe
with
him
.
This
pressure
,
coming
collectively
the
next
day
,
had
compelled
him
to
close
his
doors
,
though
he
had
not
really
expected
to
up
to
the
last
moment
.
His
call
for
the
sixty-thousand-dollar
check
at
the
time
had
been
purely
fortuitous
.
He
needed
the
money
,
of
course
,
but
it
was
due
him
,
and
his
clerks
were
all
very
busy
.
He
merely
asked
for
and
took
it
personally
to
save
time
.
Stener
knew
if
it
had
been
refused
him
he
would
have
brought
suit
.
