About twelve o'clock
Cubby himself had been shaken fearfully during the night with the terror of losing altogether his wealth ; and the arguments of Carey almost decided him . He said he would consider again of it , and if he came to the conclusion of buying Cubbertscroft , he would be at the place of sale on the day and hour appointed . Carey left him , and continued his watch at night . About twelve o'clock he observed a cart and a horse standing at the door of the cottage ; and when all the inhabitants of the village were at rest , he observed the miser carrying out his coffers and placing them on the cart . He allowed him to proceed . The cart was loaded ; and , in a short time , he saw it take the road to Dumfries . He followed close behind , and was surprised to find that Cubby drove straight up to the house of the cashier of the principal bank of the town .