Life in a bank is at its pleasantest in the winter. When all the world outside is dark and damp and cold, the light and warmth of the place are comforting. There is a pleasant air of solidity about the interior of a bank. The green shaded lamps look cosy. And, the outside world offering so few attractions, the worker, perched on his stool, feels that he is not so badly off after all. It is when the days are long and the sun beats hot on the pavement, and everything shouts to him how splendid it is out in the country, that he begins to grow restless.

Mike, except for a fortnight at the beginning of his career in the New Asiatic Bank, had not had to stand the test of sunshine. At present, the weather being cold and dismal, he was almost entirely contented. Now that he had got into the swing of his work, the days passed very quickly; and with his life after office-hours he had no fault to find at all.

His life was very regular. He would arrive in the morning just in time to sign his name in the attendance-book before it was removed to the accountant's room. That was at ten o'clock. From ten to eleven he would potter. There was nothing going on at that time in his department, and Mr Waller seemed to take it for granted that he should stroll off to the Postage Department and talk to Psmith, who had generally some fresh grievance against the ring-wearing Bristow to air. From eleven to half past twelve he would put in a little gentle work. Lunch, unless there was a rush of business or Mr Waller happened to suffer from a spasm of conscientiousness, could be spun out from half past twelve to two. More work from two till half past three. From half past three till half past four tea in the tearoom, with a novel. And from half past four till five either a little more work or more pottering, according to whether there was any work to do or not. It was by no means an unpleasant mode of spending a late January day.

Then there was no doubt that it was an interesting little community, that of the New Asiatic Bank. The curiously amateurish nature of the institution lent a certain air of light-heartedness to the place. It was not like one of those banks whose London office is their main office, where stern business is everything and a man becomes a mere machine for getting through a certain amount of routine work. The employees of the New Asiatic Bank, having plenty of time on their hands, were able to retain their individuality. They had leisure to think of other things besides their work. Indeed, they had so much leisure that it is a wonder they thought of their work at all.

The place was full of quaint characters. There was West, who had been requested to leave Haileybury owing to his habit of borrowing horses and attending meets in the neighbourhood, the same being always out of bounds and necessitating a complete disregard of the rules respecting evening chapel and lock-up. He was a small, dried-up youth, with black hair plastered down on his head. He went about his duties in a costume which suggested the sportsman of the comic papers.