MIDDLE BAY Bancorp was one of those newly minted powerhouse regional banks that came through the recent CDO and mortgage-backed securities meltdown relatively unscathed. In fact, at the depths of the recession, its prescient CEO, M. Bob Evrette, snapped up three failing regionals for ten cents on the dollar, more or less, in the process making himself both rich and a local hero for saving so many jobs.

There was a price to pay, as there always was: Like many great leaders, M. Bob Evrette was afflicted with hubris. In short, within the space of twenty months, Middle Bay became a victim of its own success. It grew too fast, outstripping not its resources but the expertise of its managers. Evrette had thrust it into the heady arena where the really big boys played, and even he wasn’t up to navigating it.

At that point, perhaps six months ago, Henry Holt Carson had stepped in and made Evrette an offer he couldn’t in all conscience refuse. For one reason or another, Middle Bay had been on Carson’s radar screen for some time. Carson had built his fortune on knowing the right time to make an acquisition and when to sell it. Six months ago Middle Bay was ripe for the plucking. He set up one meeting with Evrette, where the merger with InterPublic Bancorp was proposed, then a dinner, where the deal was struck, and, finally, a weekend at the hunting lodge, where, over a brace of buckshot-riddled ducks, the deal was finalized.

Middle Bay boasted over twenty branches in D.C., Virginia, and Maryland, but its main branch resided at Twentieth and K Streets NW, in a florid building of white granite blocks so massive they’d give even Hercules palpitations.

“I spoke to M. Bob Evrette himself,” Naomi said as they got out of the car and trotted up the steps that rose between two rows of immense Corinthian columns.

“What do you call him, Pete? He’s a friend of yours, right?”

McKinsey laughed and shook his head. “Jesus, give it a rest, would you?”

Beyond the high revolving doors was a massive space clad in marble with wood and brass accents. The ceiling rose to a height of a cathedral’s, and, at this late hour, there was a hush unnatural even for a bank. A bank of tellers’ stations lined the right wall; a phalanx of gleaming ATMs was to their left.

A young man bustled out from behind a waist-high wooden partition. He wore a wasp-waisted suit, a solid- color tie, and a tight smile. His gleaming hair had an old-fashioned part in it. He looked as if he’d just come from the barber’s.

He held out his hand, which was firm and dry. They introduced themselves and he led them back through the gate, past the cubicles where the investment and customer-relations officers normally plied their trade. Pausing at a door just long enough to punch in a six-digit code, he opened it and ushered them down a cool, low-lit hallway, its gleaming mahogany panels speaking of both money and discretion.

“Mr. Evrette is expecting you,” the flunky said unnecessarily.

At the end of the hallway was a wide wooden door upon which the flunky rapped his knuckles.

“Come,” a muffled voice said from within.

M. Bob Evrette was a hefty, florid-faced man in his midfifties, balding and running to fat, but there was no mistaking the youthful fire in his eyes.

“Come on in,” he said with a friendly wave as he stood up behind his desk. “No good will come of standing on ceremony with me.”

He had a good ol’ boy accent and an aw-shucks attitude that belied his business acumen. Naomi disliked him on sight. She distrusted friendliness before there was a reason for it. He bounced out from behind his desk and indicated a grouping of chairs near the window a stone’s throw from the Exxon Mobil Corporation offices.

“So,” he said, as they took their seats, “how can I be of service?”

Naomi looked at him with gimlet eyes. He reminded her of a department store Santa who got his secret jollies snuggling little kids on his lap.

There was a small silence. She became aware that McKinsey was watching her with the wariness of a hawk.

“We’re investigating a triple homicide,” she began.

“Excuse me, Agent Wilde, but I’m curious why the Secret Service—”

“It’s a matter of national security,” she said stiffly.

“Of course.” He nodded. “I understand.” His tone indicated that the matter was as clear as mud. He spread his hands. “Please continue.”

“One of the victims in this case is William Warren.”

An expression of sorrow dampened Evrette’s face. “One of my best analysts.” He shook his head. “Shocking, truly shocking. And, of course, sad. Incomprehensible.”

“We’re trying to make sense of it.” Naomi cleared her throat. “Toward that end, we’d like to take a look at Mr. Warren’s computer. Have the Metro police been here?”

“Not yet,” Evrette said. “But a Detective Heroe will be over first thing tomorrow morning. She said not to let anyone in Mr. Warren’s office.”

“We’ve taken over the case; Detective Heroe simply hasn’t gotten the memo yet,” McKinsey said.

Naomi added: “We’d also like to examine the files on the loans Billy Warren was working on.”

“Of course.” He rose and, returning to his desk, punched a button on his intercom. “We have visitors from the federal government. After they’re through in Mr. Warren’s office, I’ll bring them directly to you.”

He rubbed his hands together as he returned to where Naomi and McKinsey sat. Naomi watched him and, when she could, McKinsey, to see if there was any hint of a prior meeting or relationship, but neither seemed particularly interested in the other. Evrette seemed entirely focused on her.

“As you may or may not know,” he said, “we’re in the midst of being engulfed and devoured by InterPublic.”

He laughed good-naturedly, and again Naomi was reminded of that dirty-minded department store Santa.

“As part of the transition, InterPublic hired a forensic accounting team to examine our books for the past five years.” He waved them toward the door with a little puff of breath. “You wouldn’t be wrong in counting that a damned daunting job. In fact, that’s precisely what went through my mind. But then this gentleman showed up and started directing his team, and, let me tell you, he’s something of a genius.”

He led them down another corridor to an office appropriate in size and furnishings to a midlevel executive. Blinds were down over the window. Peeking through them, Naomi saw the window grid of the building across K Street.

“Okay,” she said.

Looking at Billy’s workspace, she said, “I think we’d better get Forensics over here.”

“Consider it done.” McKinsey drew out his cell phone and made a call. As he began to speak, he walked out of the room. A moment later, he returned. “All set.”

Naomi nodded. Snapping on latex gloves, she first went through all the desk drawers. Then she fired up the computer.

“Has anyone been in here since Billy’s death?”

“Not since I got the call from Detective Heroe.” Evrette shrugged. “Before that, I suppose the cleaning people the night he was … killed. If anyone else was, I’m afraid I can’t say.”

“Please find out who among the cleaning staff was in here,” she said, fingers flying over the keyboard. “I’d like to interview them.”

Evrette nodded. “Just give me a moment,” he said, and went out.

Out of the corner of her eye, Naomi saw McKinsey standing with his arms crossed. He seemed to want to look everywhere at once.

She spoke to him while she checked the folder tree of Billy’s hard drive. “Peter, are you nervous?”

“I told you I’d have your back.”

“You also told me not to come here. How well do you know Evrette?”

“I’ve never met him before today.”

She glanced up and sensed that he was telling the truth. “Did you tell anyone we were coming here?”

“No.”

For a long moment, they held each other’s gaze. Then Naomi nodded and went back to her work. When she found the folders she wanted, she went through the desk drawers until she found a package of blank DVDs. Placing

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