wheels powered by two walking-beam steam engines, each with its own smokestack. Ferries carrying trains had parallel tracks on the main deck for the freight cars, while the cabin deck housed the passengers. The San Gabriel was two hundred ninety-eight feet long, seventy-eight feet wide, and could carry five hundred passengers and twenty railroad cars.
The San Gabriel was to arrive at the Townsend and Third Streets Southern Pacific terminus, where the passengers would disembark. Then it would move on to Pier 32 at Townsend and King Streets, where its cargo of railroad cars would be taken to the city railyard between Third and Seventh Streets. There, the O’Brian Furniture Company car would be switched to the siding of a warehouse the bandit owned in the city’s industrial section.
Ruskin had ridden on the San Gabriel many times on his trips across the bay and looked forward to returning home after his venture in Salt Lake City. A great whoop echoed around the Mole from the boat’s steam whistle as it announced her departure. She began to tremble when the tall walking-beam engines turned the big twenty-seven- foot paddle wheels that churned the water. Soon the boat was riding the glass-smooth bay toward San Francisco, no more than twenty minutes away.
Ruskin quickly finished dressing in an exactingly tailored conservative black business suit. A small yellow rose went in the buttonhole. He sat a derby hat on his head at a rakish angle and pulled a pair of suede gloves over his hands. He picked up his cane.
Then he bent down and gripped the handle to the trapdoor in the floor of the freight car and swung it open. He dropped a large, heavy suitcase through the opening. Then he slowly lowered himself to the deck between the rails, careful not to soil his clothes. Hunched down under the car, he made certain none of the crew were within view as he moved away and straightened up.
Ruskin was headed up a stairway to the cabin deck where the passengers rode when, halfway up, he met a crewman coming down. The crewman stopped and nodded at him, a serious expression on his face.
“Are you aware, sir, that passengers are not allowed on the main deck?”
“Yes, I’m aware.” The bandit smiled. “I realized my mistake, and, as you see, I was turning around to return to the cabin deck.”
“Sorry to have troubled you, sir.”
“Not at all. It’s your duty.”
The bandit proceeded up the stairs and stepped into the ornate, highly decorated cabin deck where the passengers crossed the bay in style. He went into the restaurant and ordered a cup of tea at the stand-up bar, then walked outside onto the open forward deck and sipped as he watched the buildings of San Francisco grow larger across the bay.
The City by the Bay was already becoming a fascinating, romantic, cosmopolitan city. It had risen in stature since 1900, establishing itself as the financial and merchandising hub of the West. It was built on the foresight of entrepreneurs much like the meticulously dressed man standing on the deck with the huge suitcase. He, like they, saw an opportunity and moved quickly to seize it.
Not one for niceties, Ruskin finished his tea and then threw the cup overboard, not returning it to the restaurant. He idly watched a thick flight of sandpipers fly past the boat, followed by a trio of brown pelicans gliding inches above the water in search of small fish. Then, mingling with the throng, he moved down the forward stairway to the main deck, where the passengers disembarked the ferry onto the pier in front of the big, ornate, Spanish-style Southern Pacific terminus.
He walked briskly through the interior cavern of the terminus, lugging the big suitcase, and through the doors on the Townsend Street side. For the next few minutes, he stood on the sidewalk and waited. He smiled as a white Mercedes Simplex runabout rolled up the street and came to a tire-skidding halt at the curb in front of him. Under the hood was a massive four-cylinder, sixty-horsepower engine that could move the car as fast as eighty miles an hour. It was a marvelous contrivance of steel, brass, wood, leather, and rubber. Driving it was sheer adventure.
If the car produced a striking picture, so did the woman behind the steering wheel. She was svelte and wasp-waisted. Her red hair was adorned with a large red bow that matched her fiery hair. Her bonnet was tied under her chin to keep it from blowing away, and she wore a tan linen dress that came halfway up her calves so she could dance her feet deftly over the five floor pedals. She took one hand from the big steering wheel and waved.
“Hello, brother. You’re an hour and a half late.”
“Greetings, sister.” He paused to grin. “I could only go as fast as the engineer drove the train.”
She offered him her cheek and he dutifully kissed it. She inhaled the smell of him. He always used the French cologne she had given him. It smelled like a sea of flowers after a light evening rain. If he hadn’t been her sibling, she might have had a love affair with him.
“I assume your trip was successful.”
“Yes,” he said, strapping the suitcase on the running board. “And we haven’t a minute to lose.” He climbed into the brown leather passenger’s seat. “I must record the bank draft I obtained at the Salt Lake Bank and Trust before their agents show up to stop the transfer.”
She pushed a laced-up brown leather shoe against the clutch and shifted expertly, as the car leaped down the street like a lion chasing a zebra. “It took two days for you to get here. Don’t you think you’re cutting it close? They would have contacted law enforcement officials and hired private agents, prodding them to check all the banks in the country for a stolen bank draft worth a fortune.”
“And that takes time, not less than forty-eight hours,” he added, clutching the side of the seat with a hand since there were no doors on the runabout for support as she made a sharp left turn up Market Street. He barely grabbed his derby with his other hand before it almost flew off into the street.
She drove fast, seemingly recklessly, but nimbly, smoothly whipping around slower traffic at a speed that turned heads and startled passersby. She hurtled past a big beer truck, pulled by a team of Percheron horses, that blocked most of the street, slipping between the stacked barrels on the street and the sidewalk filled with pedestrians with only inches to spare. He bravely whistled a marching tune called “Garry Owen” and tipped his hat at the pretty girls coming out of the clothing stores. The big Market Street electric trolley car loomed ahead, and she crossed into oncoming traffic to pass it, sending more than one horse rearing up on its hind legs, to the anger and fist waving of their drivers.
Another two blocks through the canyon of brick-and-stone buildings, she came to a quick stop, skidding the rear tires when she hit the brakes, in front of the Cromwell Bank on the southeast corner of Market and Sutter Streets. “Here you are, brother. I trust you enjoyed the ride.”
“You’re going to kill yourself someday.”
“Blame yourself,” she said, laughing. “You gave me the car.”
“Trade you my Harley-Davidson for it.”
“Not a chance.” She gave a cheery wave and said, “Come home early and don’t be late. We’ve a date on the Barbary Coast with the Gruenheims to go slumming and take in one of the scandalous dance revues.”
“I can’t wait,” he said sarcastically. He stepped down to the sidewalk before turning and unstrapping the suitcase. She saw that he strained as he lifted and knew it was crammed with stolen currency from the Salt Lake bank.
At the press of the accelerator pedal, the chain-driven Mercedes Simplex charged across the intersection and roared up the street, the thunder of the exhaust coming within a few decibels of breaking the storefront windows.
The bandit turned and looked with pride at the big, elaborately ornamented Cromwell Bank Building, with its tall, fluted Ionic column and large stained-glass windows. A doorman in a gray uniform opened one of the big glass doors for him. He was a tall man with gray hair, and a military bearing that came from thirty years in the United States Cavalry.
“Good morning, Mr. Cromwell. Glad to see you back from your holiday.”
“Glad to be back, George. How’s the weather been in my absence?”
“Just like it is today, sir, sunny and mild.” George looked down at the large suitcase. “May I carry that for you, sir?”
“No, thank you. I can manage. I need the exercise.”
A small brass sign listed the bank’s assets at twenty-two million dollars. It would soon be twenty-three, thought Cromwell. Only the fifty-year-old Wells Fargo Bank had higher assets, capital, and liquidity. George swung
