When a Belle Robs a Bank

                My son Spencer likes to compare me to Sally Fields’s character, M’Lynne (from Steel Magnolias).  All Southern women have a little bit of each of the characters deep inside, even ornery ol’ Ouiser, but out of the cast, I suppose I am most like resilient and calm, M’Lynne, with one notable exception.  My hair is not a brown football helmet; it is ash blonde, courtesy of Miss Clairol every three months or so.  I can’t afford to go to the beauty shop for anything other than a basic cut these days.  Since my husband, Mac, hurt his back working on an off-shore oil rig, our finances have been tighter than normal, and they weren’t very loose in the best of times.  We used to live smack dab in the middle of middle class, we now reside in the upper reaches of the lower class.  Fortunately, we live in a small southwest Mississippi town where few are visibly wealthy, and people are more apt to not treat you any differently if you seem ‘not poor’.

                We are what I call ‘well’; well-spoken, well-fed and well-dressed, in the sense we are always clean and pressed.  No one really knows we have money issues, except the bank, our landlord, the Treasurer at First Baptist Church (who sees our tithe check) and the secretary at the school where Spencer and Olivia, my youngest daughter, secretly eat reduced-rate lunches.  By secretly I mean, their weekly lunch cards look just like everyone else’s.  My oldest daughter, Catherine, refuses to eat lunch in the cafeteria; instead she uses the money she earns from her part-time job at Robinson’s, the only clothing store in our town of less than 2,500.  Catherine, not a big eater to begin with, subsists on Doritos and Diet Sprite because, and I quote, “Only children and dorks eat in the cafeteria.”  And, yes, she means Spencer is a dork, at least in her world, where the only people that matter are, sometimes me and Jesus, but mostly only her best friend Claire and boyfriend Joel.

                As both Catherine and Spencer are in high school (Senior and Sophomore, respectively) they are unfortunately very aware of our reduced finances and dealing with it as best they can.  Children shouldn’t have to worry about money and Mac and I try to keep it from them but there are only so many times you can hear, “We can’t afford that” before you realize something has changed.  This couldn’t have come at a worse time as Senior Years are expensive and Spencer, my little genius, keeps getting academic awards and invitations to pre-college programs and these require, at the very least, travel and money for food.  It costs money to be that smart and most honor students are from wealthier families, at the very least middle class.  I’ll be the first to admit a welder and a homemaker who didn’t finish college aren’t typically the parents of someone invited to take college courses while a sophomore in high school.

                This is where I find myself today, a reliably normal Wednesday, but normal only in the sense that in our town everything closes at noon on Wednesday, so people can attend night services at church.  I am unsure of the percentage that actually does this, but it is a tradition and we will stick by a tradition whether it makes sense or not.  I have to figure out how to pay for this program at Mississippi State University that has invited Spencer to take college classes this summer.  Mac calls it a 'Smart Kid Camp'.  Even though he received a partial scholarship due to his grades and extracurricular activities, we still have to pay for room and board as he will live in the dorm in Starkville for eight weeks and that is around $500, a lot of money in 1993.  My excitement for him has been tempered by the knot in my stomach that any talk of money continuously tightens.  Spencer didn’t want to tell me he got accepted but he was too excited.  When he did tell me, the look on his face was painful to see; like he was waiting for me to dash his hopes and tell him we couldn’t afford it.

                I’m a Christian and I pray every day and I know God provides for our needs but it’s something I struggle with especially since Mac is pessimistic and angry at our circumstances and blames himself and even God.  Trying to keep him on an even keel and putting on a smile for the kids saps my energy and normally optimistic outlook, leaving me with a lessened faith.  As my Daddy would say, “It’s hard to put lipstick on a pig”, but I am as determined as a Mary Kay consultant trying to get her pink Cadillac.  That pig will wear this lipstick, voluntarily or otherwise; not unlike my cousin Willadean on her wedding day.  I told Spencer his Daddy and I would take care of it, telling God in the same breath, “You’re up to bat!”

                Mac and I discussed the situation, behind the closed door of our bedroom, and decided we would have to go to the bank to ask for a small loan.  Even though I wasn’t experienced in doing this, we agreed I would handle the possibility of a “No” better than Mac, who might revert to his heathen ways and try to fight someone.  With his back injury, his bark is definitely worse than his bite, but that bark might make you hurt yourself trying to get away.  Mac is scary to other people, but I know how to handle him.  I have the gift of 20 year’s practice and the knowledge that he loves me and would never hurt me.  I said a prayer, got in the car and drove to Magnolia Savings and Loan, where we bank.  Even in a town of less than 3,000, there are a surprising number of banking options.  Besides Magnolia Savings, we have Walker County Credit Union and Merchant’s & Farmer’s Bank, which is one more finance option than we have for food.  Sonic and Sharla’s Burger Barn are the only places to eat in this town, unless you count the truck stop or the Kwik Mart, which I most certainly do not.  I will admit to eating my fair share of Frito Pies from the concession stand at the football field, but we're getting off track.
 
               I don’t remember why we picked Magnolia Savings when we moved here 15 years ago, but we did, and we have stuck with them.  Even though we have been in town for 15 years, we are still considered ‘new people’; more a part of the community than actual new people, but still considered ‘not from here’, which doesn’t help the situation.  Family histories, like credit histories, are long and permanent here in the South, and both of ours are populated with embarrassing stories and mistakes that are difficult to overcome.

                I knew this as I headed to keep my 10:00 appointment with Doyle Vanderlin, the loan officer at Magnolia Savings.  I don’t know him well as he attends the Methodist Church and we are Baptists from way back.  It’s not that Baptists and Methodists don’t socialize, but, well we don’t, as a rule.  So much of our free time is involved in church-related activities, outside of sports and the occasional event like Homecoming or Christmas parade, we tend to cluster in our respective religious circles.  That may be a metaphor for something; what it would be, I can’t begin to tell you.  It shouldn’t make a difference but when you have a connection, some commonality with another person, it’s easier to ask for help.  Then it’s more a favor than a handout.  It takes the stress out of it, or at least reduces it.  Anything related to money or credit scores, in the last few years since Mac got hurt, has induced anxiety.  And, yes, I know stress supposedly means a lack of faith in God but I’m not perfect, so I do worry.  This is an important event in Spencer’s life.  It could possibly alter his future.  He deserves to enjoy the results of his talent and hard work, doesn’t he?  He’s already had so many money-related disappointments.  I have to do this for him. 

                As I walk into the bank, I hope I’ve hedged my bets and Mr. Vanderlin will be right in the middle of the shortened work day; not sleepy at 8 when the bank opened but also not ready to leave around 11:30, right before they close.  I’m not scared or nervous, really, just apprehensive.  I guess that’s roughly the same thing, but I just want everything to go well, which is a hope more than a fear, so that’s different, right?

                I say a quick ‘Hello!’ to Audrey O’Quinn, who is one of the tellers and in my Sunday School class at First Baptist.  She is one of the sweetest ladies and her 1,000-watt smile gave my attitude and outlook a boost.  Audrey is such a kind soul, five feet and ten inches of Jesus coming at you, typically armed with a hug and smelling of fresh-baked goodies, from her perfume, Vanilla Fields.  I was so uplifted I was able to smile at Ramonica Dalley, who work for Mr. Vanderlin and is the only unpleasant Pentecostal I have ever met.  

               Pentecostals are usually the kindest people this side of the Amish and I always assumed they were happy because they were ‘God’s Chosen People’ (according to their church sign).  Ramonica, on the other hand, is the exception.  When she says, ‘God Bless You’ it sounds like a stranger begrudgingly interacting with a homeless person after a sneeze.  I braced myself as I approached her desk, about ten feet from Mr. Vanderlin’s door, not remembering if she was a Secretary or Assistant or whatever people call themselves these days.  The last time I worked in an office was in 1971, right after Mac and I got married and I was a stenographer at the Courthouse in West Carroll Parish in Northeast Louisiana, right across the river from Vicksburg.  We were referred to as a Secretarial Pool, but mostly the bosses just called us 'Honey'.  I hope that's changed.

                I smiled my sweetest smile and said, “Good Morning, Ramonica.  How are you?”

   “Well, hello to you, Mary Ellen McAdams,” she said with the formality of a judge or substitute teacher, with no prior knowledge of who I am, as if she only knows my name from Mr. Vanderlin’s appointment calendar.  I can’t count the number of times we’ve bought meat from her husband’s butcher shop near our house.  I mean, I turn down Butch Dalley Road on the way to town, literally every day.  It’s named after her husband, a fixture in our community.  Unnamed or numbered roads were named after the most important or longest-living residents in small Southern towns, once they instituted the 9-1-1 system, in the late 80s.  

It is a testament to our limited means and lack of local family history that we now live on Travis Fairchild Road.  If they had named it Mac McAdams Road, most people from around here would have said, “Who?”  Well known, we are not.  But it's 1993, and the South remains the South at least in our little corner of the Bible Belt.  While we are not exactly sitting on the buckle, we are at least in the vicinity of the first belt loop, responsible for holding up those Christian pants ensuring nothing untoward happens on our watch.

                Looking away from me and back at her typewriter, Ramonica said flatly, “He’s not ready yet.  You can sit over there.”  She pointed to a chair as far away from her desk as possible to still be considered sitting inside the bank.

                “Of course,” I said, still smiling as hard as I could, “I’m a little early.”  I’m glad to have a minute to gather my thoughts and organize my arguments, although I hope it’s not too long.  I don’t want to work myself into a tizzy as anticipation is often worse than the actual event.  I need to stay positive yet here I am thinking of arguments and he hasn’t even said no.  He might say yes.  I don’t know off-hand what our credit score is but I’m guessing it’s not great; lower than Mac’s cholesterol level.  I’m not sure what the lowest number you can have is but I’m betting we’re pretty near there.  When Mac got hurt, his Worker’s Comp checks were significantly lower than his paychecks and we got into a hole and we haven’t quite been able to get ourselves out.  

                I say a quick prayer, reminding Jesus He is needed in the bank at this very moment.  I look for a magazine to distract my mind but don’t see any.  Not having sat down in a bank before I don’t know if this is normal or not.  Is it different from the doctor’s office, I wonder?  It could mean that no one has to wait long so there’s no time to read or it may mean Magnolia Savings doesn’t think they’re necessary.  If they don’t spend money on magazine subscriptions, they have more money to lend mothers of smart kids of limited means.  Yes, that must be it.  See, I knew I liked this bank and Mr. Vanderlin.  Oh, his door is opening.  Maybe it’s just that people don’t have to wait.  Either way, it’s show time!  This will work!  C'mon Jesus!

                Seeing me, he bypasses what I imagine is protocol with Ramonica, based on her facial expression, and extends his hand, along with his very own 1,000-watt smile (hopefully also filled with Jesus) and takes my hand saying, warmly, “Hello, Mrs. McAdams.  Welcome.”  He leads me toward his office, asks me to have a seat in one of the comfy chairs in front of his desk, rounds his desk to take his own seat and asks, “What can Magnolia Savings and Loan do for you this fine morning?”  Such a nice man.

                “Well,” I began, suddenly realizing I haven’t done this before; ask for a loan, I mean.  I’m not sure how this works.  Why didn’t I ask Mac?  He got the loan for the car and the house and my Daddy got the loan for my first car.  It never occurred to me to practice.  Do you just come out and ask?

                “So…I, uh, we, I mean, Mac and I, would like some…money,” I manage to stammer.

                He chuckles and says, “Wouldn’t we all.”

                Startled, I laugh suddenly and say, “I mean, we would like to borrow some money.  A loan.  A small one.”  And then, remembering my upbringing, hastily add, “Uh, please.”  I laugh again and try to smile.

                “A loan?  Well, we do offer those.  What sort of loan are you requesting?  Auto?  Home?  Signature?”

                “Um…well…not a car loan or a house.  It’s only for a little bit.  My Spencer.  I mean, my son Spencer was accepted into an academic camp and even though he got a scholarship there’s still the room and board and books and we just don’t have the money.”

                ‘Ah, yes, Spencer.  He’s in the same class as my daughter Victoria.  From what I understand, he’s a very nice young man.  Very smart, it sounds to me.  Where is this camp, if I may ask?”

                It’s at Mississippi State.  This summer.  He’s going to take two classes with actual college students.  He’ll already have six credits on his transcripts when he starts college in two years.”

                “That’s wonderful.  Mississippi State is my alma mater.  I sure am glad it’s not at Ole Miss.  I’d have to turn you down flat,” he says and chuckles again. 

                Something fires in my brain and I say, “That’s right.  Go Bulldogs!”  I hope I’m right.  I started to add something about a cowbell, but I must be mis-remembering that.  Do they use cowbells?  Is that a thing?  I don’t watch college ball.  Mac does all day on the weekends and I guess it seeps into your brain simply by being in the room.  The TV is on non-stop sports and even though I spend my time reading and thought I was tuning it out, thankfully I didn’t completely ignore it.

                It must have worked as he’s still smiling.  He pulls a folder from a stack on his desk and says, “I pulled your accounts to have a look-see.  You and your husband have been loyal customers for a number of years.  We appreciate that.”

                “Oh, yes,” I replied, “Magnolia Savings is a great bank.”

                He silently smiles and then says, “Your credit score isn’t strong, however.  How much of a loan did you say you needed?”

                “Only $500.  That’s all.  Not much.”

                “Hmmm.   For that amount, we usually do a signature loan.”

                I interrupted and said, “Yes, that’s what Mac said we’d need, a signature loan.  What is that exactly?”

                “Well, we don’t require collateral.  A signature loan means you simply promise to pay us back.”

                “Oh,” I said, “Of course we’ll pay you back.  Um, how long would we have to pay it back?”

                “Normally, we give you six months. The interest is typically fairly low depending on your credit.”

                “Oh, great.  No problem.  Of course, you’ll need your interest.  That’s fair. That would work.  Thank you!”  This was much easier than I imagined.  Why do people get so nervous about asking for a loan?  I never realized it that simple.  Thank you, Lord!

                He sits back in his chair and looks at me and then at our file again.  This time he grimaces.

                “What’s the matter?” I ask, afraid to know the answer.

                “Well, Mrs. McAdams, to be honest, with a credit score like yours and without a positive loan history, it would be a risk for us.  My job is to mitigate risk.”

                “Risk?  How is it a risk?  I told you we promise to pay it back.  I’m a Christian.  Do you think I wouldn’t pay it back?”

                “It’s not that we don’t think you would pay it back.  Its…”

                I interrupt him and say, “What is it then?” a little more loudly than I wanted.

                “Mrs. McAdams, can I call you Mary Ellen?  Mary Ellen, my job is to make sure my employer is safe from losses on risky loans.  I am simply trying to decide if you are a risk worth taking.  I’m unsure.”

                He sits back again, this time steepling his hands, looking at me like my old English professor, Dr. Watkins at Louisiana College my freshman year, before I quit against Daddy’s wishes and married Mac, against Mother’s wishes.  Not so much condescending as unsure of my character; like he was deciding if I was worthy, if I could be trusted.  Rude is what is was.  

                I guess I had worked myself into somewhat of a tizzy because before I could stop myself I stood up and practically yelled, “I said we’d pay you back!  I wouldn’t lie!  I’m a Christian, Mr. Vanderlin!  I’m a Sunday School teacher at First Baptist.  I cannot believe you don’t trust me!  That you think I would steal your money!”  

                “Mrs. McAdams, please don’t be upset.  I haven’t said no, I’m simply trying to work with you.”

                “Oh, you’ve already decided.  It’s in your face and in your hands!  My Spencer will go to that program!  He’s smart and he deserves it and it’s not his fault we’re not rich!”

                “Mrs. McAdams, please sit down and let’s talk about this,” he pleaded.

                “Look, I already talked to God about this and He is on board, so unless you want to me to rob this bank, you need to get out your checkbook and give me that money!  Do you want to go against God’s wishes, Doyle, can I call you Doyle?  Do you?  You'll have to answer to God, I hope you know!  I’m going back out to the lobby and I’ll wait for my check!”  I turned and ran right into Ramonica who had opened the door and asked, “Is everything all right in here, Mr. Vanderlin?  Should I call someone?”

                We both looked at him and he stood there, open-mouthed and said, “Uh…no…Mrs. Dalley.  Everything’s fine.  I’m just going to complete the paperwork for Mrs. McAdams’s loan.  She has offered to wait in the lobby.  Can you get her a glass of water or something?”

                Looking at me like I was crazy, Ramonica said, nervously, “Sure, Mr. Vanderlin.  Mary Ellen, would you like some water?”

                Still flustered and red-faced, I answered, “Yes, Ramonica, that would be nice.  Thank you.”

                I walked out to the lobby, sat in the chair, ashamed that, apparently, the Steel Magnolias character I most resemble is Ousier.  I absent-mindedly looked for the magazines I forgot wouldn’t be there and pretended no one was looking at me and that I hadn’t just threatened to rob a bank.  Oh, I'm gonna have to pray for forgiveness tonight.  

                Mr. Vanderlin quickly brought a check and some paperwork to sign and I left very quickly, telling Audrey, “I’m fine, thank you” when she asked if I was okay.  Lord help me, I have made a fool of myself, but it was worth it.  Spencer can go to his smart kid camp. 

                I got home and told Spencer “I took care of everything, sweetie, you can go to MS State this summer.”  I didn't tell Mac anything.  He doesn't know anybody in town and rarely leaves the house, so he'll never find out, thank goodness.

               Spencer was so excited, hugging me and repeating, “Thank you, Mama!”  I couldn’t help but smile and get a little teary-eyed.  He will make something of himself, I just know it.  And in the end, it will be worth the gossip and embarrassment and all manner of things said behind my back.  At least I still live in a place where no one says anything negative to your face.   At least they better not;  apparently I have a temper.