As Peter sat there staring and wondering a trim little head appeared at the entrance to one of those holes. It was a trim little head with a very small bill and a snowy white throat. At first glance Peter thought it was his old friend, Skimmer the Tree Swallow, and he was just on the point of asking what under the sun Skimmer was doing in such a place as that, when with a lively twitter of greeting the owner of that little hole in the bank flew out and circled over Peter's head. It wasn't Skimmer at all. It was Banker the Bank Swallow, own cousin to Skimmer the Tree Swallow. Peter recognized him the instant he got a full view of him.

In the first place Banker was a little smaller than Skimmer. Then too, he was not nearly so handsome. His back, instead of being that beautiful rich steel-blue which makes Skimmer so handsome, was a sober grayish-brown. He was a little darker on his wings and tail. His breast, instead of being all snowy white, was crossed with a brownish band. His tail was more nearly square across the end than is the case with other members of the Swallow family.