3 P.M.
`` It 's all right for you folks to come and get your money . The regular closing time of banks in this town is 3 P.M. , Saturdays included . We 've got a right to close in fifteen minutes . But just to show there 's no hard feeling , I 'm going to change the closing hour to-day from 3 P.M. to 3 A.M. Tomorrow 's Sunday , and you can tell folks that 's got money here that they wo n't have any trouble getting their change in time to put it in the collection basket to-morrow morning . '' A number of depositors , impressed by Amzi 's tranquillity , tore up their checks and left the bank . To a woman who asked him what the excitement meant , Amzi explained politely that the town was experiencing what he called a `` baby panic . '' `` As an old friend , Martha , I advise you to leave your money here ; if I decide to bust , I 'll give you notice . ''