Ten o'clock
As he stood there trembling with fear lest the bank should not open at all , he thought hard , and the result was a double resolution : he would have his money out to the last shilling ; and , this done , would button up his pockets and padlock his tongue . It was not his business to take care of his neighbours ; nor to blow the Hardies , if they paid him his money on demand . `` So not a word to my missus , nor yet to the town-crier , '' said he . Ten o'clock struck , and the bank shutters remained up . Five minutes more , and the watcher was in agony . Three minutes more , and up came a boy of sixteen whistling , and took down the shutters with an indifference that amazed him . `` Bless your handsome face ! ''