Staunton spectator. [volume] (Staunton, Va.) 1849-1896, 1859-01-25

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"Good morning, Mr.. Cashier"
"Good morning, Mr.. A."
81 am very much surprised to lind that my pa
per is not discounted, sir"
"Ah, my friend, am sorry, but you see tina
others are in the same predicament."
"Yes, sir; but that gives me no comfort.
have my notes to pay"
"The Board did their best, Mr.. A. Our re
ceipts happen to be very small just now, and w
have been sadly beaten at the Clearing House fo
three mornings in succession"
'Mr. Cashier, this paper is A. l. You have
nothing better on your books. The amount il
not large and the time is short"
''It is impossible, sir, for the bank to discoun
it. We are obliged to turn away every appli
cation at present"
"Have you looked at my account2"
81 have not"
.'Then you must do SO and consider whether
am not entitled to all that ask"
"The Board of Directors have left me no dis
cretion. They decided that it was not safe tt
loan single dollar"
"My balance has not fallen below three thou
sand dollars for months past. make no unreas
enable requests" .m
"It is true, sir, that your requests are reason
able, and that your account entities you to lib
eral line. But what can we do without the
means of doinga"
"The whole amount of my accommodation
for year has been exceedingly moderate. dc
not trouble you with incessant calls"
"That is so sir, but
swell, Mr.. Cashier, claim to be an exception
to your general rule. You must discriminate
between men VINO bore you to death all the
time, and those who are reasonable in their de-
mands. 1t is seldom that / ask you for dis
counts, and when do, l want them."
sNo doubt, sir, and assure you that we have
every disposition to treat you literally. 1t is 9
very unpleasant duty to reject such claims as
yours, but tell you again, and / want you to
believe me, that we have no alternative. We
cannot move al inch"
"But, sir, you must move an inch! Do you
pretend to tell me that you will enjoy the use Of
my balance of three or four thousand dollars,
lending it out to other people, and then when
want to get little loan myself, you will turn
round and say you can't, and you have no dis
creton and no powerl What do care if you
are short at the Clearing House9 Does that pay
my notes Now, sir, will tell you and your
Board of Directors that am not a man to sub
nit to such treatment"
"Mr. A., if you are reasonable man"
"If am reasonable man. am reasona'
BILE man, sir, and that's just the whole case.-
Because am so, I want my paper discounted
1t is my right, sir, and don't mean to give ii
up!"
swell, sir, it is your right and don't want
you to give it up. But you must listen to me-
while put the matter to your own Judgment
81 have settled it in my judgment already.
don't want to hear this stuff about the Clearing
House. The Clearing House is nothing to me
My notes have to be paid-that is my judgment
SIR"
"Do you think, Mr.. A., that am made Of
god or that can turn back the tide OF the
North Rivera"
81 know very well that you cannot change the
market; but you can discount this paper"
"My dear sir, cannot do it without endan
gering more and larger interests than yours
Our stockholders and creditors generally have
rights as we'll as you. A failure to pay our bal
ances at the Clearing House would be fata
blow to our credit-equivaent to protest..
Our deposits would be withdrawn, and we could
no longer keep your present discount line where
\ it is, which we hope to do by course OF mutua
Indulgence with our dealers. There is no posi-
BILE remedy for this state of things but to wait
for the gradual maturity of our bills discounted
If you will bring me your paper some days
hence, you will probably find US in better condi
ton"
Mr.. A. yields in moment of cooler Judgment
If the Cashier, however, had treated him with
sullen refusal, making no explanation, he would
have gone away in a fl. of anger, and his friend
" relations with the bank might cease.
This may be called the science Of contlot. lr
tight market, bank officers are every hour
brought into collision with the most imposing
interests of commerce in the hands of men un
accustomed to denial, whom it is very desirable
to conciliate, and very easy at such times to Of
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