attend strictly to the Rules of the Bank to which they belong, "as to the time and place of payment, and the person to whom the deposits are paid." It may be perhaps some trouble for a poor man to go himself to the Bank just at the time when it is open; but it must be much more satisfactory to him, and much more safe, to see the money paid into the hands of the managers, and to have their receipt for it, than to trust it to the secretary or any body else, out of Banking hours.

In some villages indeed, at a distance from a Saving Bank, a respectable person is appointed to receive deposits, and a proper receipt is signed at the next meeting; and this becomes a regular way of doing business, in which we consider all to be safe; but this is different from trusting money into the hands of those who have no authority to receive it. The bad conduct of one or two individuals, ought not however to bring a suspicion on secretaries in general, who, for the most part, have conducted the affairs of these banks with great diligence and exactness. We do not indeed, see exactly how a fraud can be committed, if all parties are watchful. These occasional misfortunes may however in the end be of use. V.

HYMN.
I.

When fainting in the sultry waste,
And parch'd with thirst extreme,
The weary Pilgrim longs to taste
The cool refreshing stream.

II.

Should, sudden, to his hopeless eye
A crystal spring appear,

How would th' enlivening supply
His drooping spirit cheer!

3

On the Advantages and Necessity of a habit of persevering Industry in all human Studies and Pursuits.

It was the unalterable decree of the Almighty, that whatever is necessary and useful for life, should be obtained by labour; and, that without it, we should not reap any of those benefits which our condition requires. Almost every circumstance of life shews this. It is indeed reasonable to suppose, that we were not created to continue in a state of inactivity. Nature has assigned to each his peculiar talent, which ought to be exerted in that occupation to which it is adapted, and if difficulties may sometimes oppose his course, they are only intended to rouse the mind and body into action. We are all like the children in the Balearic Islands, who were not permitted to have their meal, till their skilfulness in slinging could bring it from the tree in which it was placed. We are indebted for the bread we eat to the baker, the miller, the reaper, the sower, and the plough-boy; and those utensils of husbandry necessary to prepare the earth for the

utility from the labour and the ingenuity of the smith. The commonest things are perfected by labour; even a pin passes through a great variety of hands before it is completed. The constitution both of our minds and bodies, requires exertion to keep them in order: this exertion produces the most beneficial effects. The conveniences of life are enlarged, the arts are improved. The uncultivated mind is like a waste, which bears no other fruit than wild berries, whilst the cultivated mind resembles the fertility and variety of our productive gardens. The youth cannot expect to make any progress in knowledge without diligence. If his profession is to be that of a scholar, he must be laborious, steadily pursuing one single point.

It is the same with the youthful female, she has her attainments to pursue, they are of a less active kind, but not less necessary to her own comfort, and the comfort and happiness of others. By a continual habit of persevering in whatever we undertake, we shall be able to overcome great difficulties. Like the constant drops of water, which wears a hole in the hard rock, perseverance makes impression on the hardest substances.

Many strokes, tho' with a little axe,

"Hew down and fell the hardest timbered oak."

Industry may have something humble in the sound, but it is more certain in its success, than all the sudden efforts of a lively and presuming genius. The one is like the tortoise, the other like the hare mentioned in the fable. Though their powers of swiftness are different, the heavier animal proceeds on without loitering, he thinks of nothing but the end, he loses not one moment allotted to the race, while the fleet creature is confident and idle, plays and frolics in the way, forgets that he has a race to run, that the time is passing on,-till the opportunity is lost.

How many of our misfortunes might be prevented if we could each of us learn to say that little word, "No!"

I remember, when I was a boy, an incident took place which I have remembered ever since, and which serves to shew the importance of the above little word,

In our village, there lived a very fine young fellow named Jones. He was one of those who could never say "No." It happened that a recruiting sergeant came there, to enlist soldiers; and being pleased with the appearance of young Jones, he asked him into the public house where he was drinking. Jones did not say "No," but entered in. Being a sober lad, but not able to say "No,” he soon got tipsy. He then enlisted. He went abroad, and not knowing how to say "No," got into bad company. The last I heard of him was, that he was in gaol, under sentence of death, for sheep-stealing. I have since heard that, through the influence of his friends, his sentence was mitigated to transportation for life. Before his reprieve arrived, he spoke to some friends who came to see him in prison, to the following effect:

"My ruin has been, that I never took resolution enough to say "No. All my crimes might have been avoided, could the word 'No' have been pronounced. But not being able to say 'No' to a merry companion, (even when he invited me to commit a crime), I thus became his accomplice.' Reader, think on the fate of Jones, and doubt not the truth of it.

Take courage to say "No."

G. U. B.

ANSWER TO THE QUESTION ON GEOLOGY,

MR. EDITOR,

(In Page 228.)

I SUSPECT that your correspondent, Daniel Pick. earth, knows a little more than he would seem to do, on the subject of his enquiry. However, as no one has answered his letter, I venture myself to send you a line, that it may not be supposed that all of your readers are indifferent on the question. I do not pretend, even if I were able, to enter upon any of the difficulties of Geology, which I find that some of our modern writers have started, but merely say, that what your correspondent suggests, is what we can none of us help agreeing to, namely, that these strata or veins of clay with shells in them, could only have been placed there by a great flood which must have happened a vast number of years ago. In fact, if any one could doubt the account given of the great Deluge in the time of Noah, these collections of shells, which are so frequently found in high hills, must be a convincing proof that there was such a flood. Your correspondent says, that those which he found were twelve or fourteen miles from the sea, as the crow flies: it is plain then that the sea must have so far gone beyond its natural bounds, and must have left behind it the deposit which contained the shells. Indeed, the remains are often found of creatures which belong to quite another part of the world, and some which are not now even known to us at all. For my own part, Sir, when I see any account written in the book of Truth, I want no other proof to induce me to