CHAPTER I.
CHAPTER II.
CHAPTER III.
CHAPTER IV.
CHAPTER V.
CHAPTER VI.
CHAPTER VII.
CHAPTER VIII.
CHAPTER IX.
CHAPTER X.
CHAPTER XI.
CHAPTER XII.
CHAPTER XIII.
CHAPTER XIV.
CHAPTER XV.
CHAPTER XVI.
CHAPTER XVII.
CHAPTER XVIII.
CHAPTER XIX.
CHAPTER XX.
CHAPTER XXI.
CHAPTER XXII.
CHAPTER XXIII.
CHAPTER XXIV.
CHAPTER XXV.
CHAPTER XXVI.
CHAPTER XXVII.
CHAPTER XXVIII.
CHAPTER XXIX.
The Victoria Bank, Toronto, is on the corner of Bay and Front Streets,where it overlooks a part of the harbor large enough to gladden the eyesof the bank-clerks who are aquatic in their habits and have time to lookout of the windows. Young gentlemen in tattered and ink-stained coats,but irreproachable in the matter of trousers and linen, had been knownto gaze longingly and wearily down toward that strip of shining waterwhen hard fate in the shape of bank duty apparently remained indifferentto the fact that an interesting race was being rowed or sailed. This,sometimes, was rather a bad thing for the race; for the Victoria Bankhad, immured within its cut stone and plate glass, some good specimensof muscular gentility; and in contests of different kinds, the V. B. hada way (discomforting to other banks) of producing winners. The amount ofmuscle some of them could apply to a main-sheet was creditable, while,as to rowing, there were few who did not cultivate