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eet were betting high； first； that we would close our doors at eleven o'clock； then twelve； and so on； but we did not； till the usual hour that night。 We had paid every demand； and still had a respectable amount left。
This run on the bank （the only one I ever experienced） presented all the features； serious and comical； usual to such occasions。 At our counter happened that identical case； narrated of others； of the Frenchman； who was nearly squeezed to death in getting to the counter； and； when he received his money； did not know what to do with it。 〃If you got the money； I no want him； but if you no got him； I want it like the devil！〃
Toward the close of the day； some of our customers deposited； rather ostentatiously； small amounts； not aggregating more than eight or ten thousand dollars。 Book…keepers and tellers were kept at work to write up the books； and these showed：
Due depositors and certificates； about one hundred and twenty thousand dollars； for which remained of coin about fifty thousand dollars。 I resolved not to sleep until I had collected from those owing the bank a part of their debts； for I was angry with them that they had stood back and allowed the panic to fall on the banks alone。 Among these were Captain Folsom； who owed us twenty…five thousand dollars； secured by a mortgage on the American Theatre and Tehama Hotel； James Smiley； contractor for building the Custom… House； who owed us two notes of twenty thousand and sixteen thousand dollars； for which we held； as collateral； two acceptances of the collector of the port； Major R。 P。 Hammond； for twenty thousand dollars each； besides other private parties that I need not name。 The acceptances given to Smiley were for work done on the Custom…House； but could not be paid until the work was actually laid in the walls； and certified by Major Tower； United States Engineers； but Smiley had an immense amount of granite； brick； iron； etc。； on the ground； in advance of construction； and these acceptances were given him expressly that he might raise money thereon for the payment of such materials。
Therefore； as soon as I got my dinner； I took my saddle…horse； and rode to Captain Folsom's house； where I found him in great pain and distress； mental and physical。 He was sitting in a chair； and bathing his head with a sponge。 I explained to him the object of my visit； and he said he had expected it； and had already sent his agent； Van Winkle； down…town； with instructions to raise what money he could at any cost； but he did not succeed in raising a cent。 So great was the shock to public confidence； that men slept on their money； and would not loan it for ten per cent。 a week； on any security whatevereven on mint certificates； which were as good as gold； and only required about ten days to be paid in coin by the United States Mint。 I then rode up to Hammond's house； on Rincon Hill； and found him there。 I explained to him exactly Smiley's affairs； and only asked him to pay one of his acceptances。 He inquired； 〃Why not both？〃 I answered that was so much the better； it would put me under still greater obligations。 He then agreed to meet me at our bank at 10 P。M。 I sent word to others that I demanded them to pay what they could on their paper； and then returned to the bank； to meet Hammond。 In due time； he came down with Palmer （of Palmer； Cook & Co。）； and there he met Smiley； who was； of course； very anxious to retire his notes。 We there discussed the matter fully； when Hammond said； 〃Sherman； give me up my two acceptances； and I will substitute therefor my check of forty thousand dollars；〃 with 〃the distinct understanding that； if the money is not needed by you； it shall be returned to me； and the transaction then to remain statu quo。〃 To this there was a general assent。 Nisbet handed him his two acceptances； and he handed me his check； signed as collector of the port； on Major J。 R。 Snyder； United States Treasurer； for forty thousand dollars。 I afterward rode out； that night； to Major Snyder's house on North Beach； saw him； and he agreed to meet me at 8 a。m。 next day； at the United States Mint； and to pay the check； so that I could have the money before the bank opened。 The next morning； as agreed on； we met； and he paid me the check in two sealed bags of gold…coin； each marked twenty thousand dollars； which I had carried to the bank； but never opened them； or even broke the seals。
That morning our bank opened as usual； but there was no appearance of a continuation of the 〃run；〃 on the contrary； money began to come back on deposit； so that by night we had a considerable increase； and this went on from day to day； till nearly the old condition of things returned。 After about three days； finding I had no use for the money obtained on Hammond's check； I took the identical two bags back to the cashier of the Custom…House； and recovered the two acceptances which had been surrendered as described； and Smiley's two notes were afterward paid in their due course； out of the cash received on those identical acceptances。 But； years afterward； on settling with Hammond for the Custom…House contract when completed； there was a difference； and Smiley sued Lucas； Turner & Co。 for money had and received for his benefit； being the identical forty thousand dollars herein explained； but he lost his case。 Hammond； too； was afterward removed from office； and indicted in part for this transaction。 He was tried before the United States Circuit Court； Judge McAlister presiding； for a violation of the sub…Treasury Act； but was acquitted。 Our bank； having thus passed so well through the crisis； took at once a first rank； but these bank failures had caused so many mercantile losses； and had led to such an utter downfall in the value of real estate； that everybody lost more or less money by bad debts； by depreciation of stocks and collaterals； that became unsalable； if not worthless。
About this time （viz。； February； 1855） I had exchanged my house on Green； street； with Mr。 Sloat； for the half of a fifty…vara lot on Harrison Street； between Fremont and First； on which there was a small cottage； and I had contracted for the building of a new frame…house thereon； at six thousand dollars。 This house was finished on the 9th of April； and my family moved into it at once。
For some time Mrs。 Sherman had been anxious to go home to Lancaster； Ohio； where we had left our daughter Minnie； with her grandparents； and we arranged that S。 M。 Bowman； Esq。； and wife； should move into our new house and board us； viz。； Lizzie； Willie with the nurse Biddy； and myself； for a fair consideration。 It so happened that two of my personal friends； Messrs。 Winters and Cunningham of Marysville； and a young fellow named Eagan； now a captain in the Commissary Department； were going East in the steamer of the middle of April； and that Mr。。 William H。 Aspinwall； of New York； and Mr。 Chauncey； of Philadelphia； were also going back； and they all offered to look to the personal comfort of Mrs。 Sherman on the voyage。 They took passage in the steamer Golden Age （Commodore Watkins）； which sailed on April 17； 1855。 Their passage down the coast was very pleasant till within a day's distance of Pa