Mr. Brown, and told him that I would like to get a letter of introduction to George Law from Mr. English. The latter was not in the Bank, but Mr. Brown promised to speak to him about it and let me know. Within an hour or so he sent his brother to my office to say to me that Mr. English suggested that I write such a letter to Mr. Law as I would like to have, and send it up to him and he would sign it. This placed me in a position where I felt I must be modest in proclaiming my virtues, and so I simply wrote about as follows:

"This will introduce to you Mr. WM.E.Uptegrove whom I have known well and favorably for several years past. Mr. Uptegrove is also a patron of our Bank, and any favor you may be able to show him will be much appreciated by me."

I promptly presented this letter to Mr. Law at his office, and realizing that as I had actually no legal rights, that I must approach Mr. Law from another angle; so I explained to him that I had only just got my business nicely established that it had been through struggle and hard work, and that I now felt very anxious lest the mill might pass into other hands and my work go for naught. I well remember his reply, which was:

"Young man, I do not want to harm you or your business and if I am obliged to bid in this property at the sale, I will either rent it to you at a fair rate, or I well sell you the property for just what it cost me, which would be the amount of my loan, plus back interest and taxes and the cost of the foreclosure."

I at once acknowledged that it was a most fair offer and relieved my mind greatly, and I further stated that at the moment I would be very glad to buy the property, and thought I might be able to do so, and stated that I would let him know about this in a short time. A little later I called and stated to him that I would arrange to purchase the property, and we agreed upon terms which, as I remember it, were that I would pay on delivery of the deed $6000.00, the balance to remain on mortgage.

For the time being I felt relieved, because I concluded that no outsider would care to purchase a sawmill. However, my relief was rather short-lived, for within thirty days the Assignee of George Guetal entered a defense to the foreclosure on the ground that the mortgage covered only the land and

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