“Vault box one fourteen.”

At three thirty I stood at the heavy oak desk in the Onondaga Savings lobby, and Franklin Hayes came out from behind the glass with his wire-rimmed glasses and his slow way of walking, and he said, “Mrs.

Gallagher.

I wondered if we would be seeing you.”

“I need to see the statements on the estate checking account.”

He put his thumb to the bridge of his glasses and adjusted them.

“That account has been under review since Monday.”