twelve o'clock
asked Mrs. Dodd very gravely . `` Oh yes , mamma , '' said Julia , beginning to tremble ; `` at a quarter before eleven : I heard them settle it . '' The matter was terribly serious now ; indeed , it began to look hopeless . Weather overclouded : rain-drops falling ; and hard upon twelve o'clock . They all looked at one another in despair . Suddenly there was a loud , long buzzing heard outside , and the house of God turned into a gossiping fair . `` Talk of money changers , '' said Satan that day , `` give _ me _ the exchangers of small talk . ''