person he was short and stout, with a dull, repulsive countenance, which his bushy eyebrows and solitary eye (being blind in the other) made almost hideous. He was cold and reserved in manner, and was disliked by his neighbors, the most of whom were afraid of him.
This man was Stephen Girard, who was afterward destined to play so important a part in the history of the city to which the mere chances of war sent him a stranger.
He was born at Bordeaux, in France, on the 21st of May, 1750, and was the eldest of the five children of Captain Pierre Girard, a mariner of that city. His life at home was a hard one. At the age of eight years, he discovered that he was blind in one eye, and the mortification and grief which this discovery caused him appear to have soured his entire life. He afterward declared that his father treated him with considerable neglect, and that, while his younger brothers were sent to college, he was made to content himself with the barest rudiments of an education, with merely a knowledge of reading and writing. When he was quite young, his mother died, and, as his father soon married again, the severity of a step-mother was added to his other troubles. When about thirteen years of age, he left home, with his father's consent, and began, as a cabin-boy, the life of a mariner. For nine years he sailed between Bordeaux and the French West Indies, rising steadily from his position of cabin-boy to that of mate. He improved his leisure time at sea, until he was not only master of the art of navigation, but generally well informed for a man in his station. His father possessed sufficient influence to procure him the command of a vessel, in spite of the law of France which required that no man should be made master of a ship unless he had sailed two cruises in the royal navy and was twenty-five years old. Gradually Girard was enabled to amass a small sum of money, which he invested in cargoes easily disposed of in the ports to which he sailed. Three years after he was licensed to command, he made his first appearance in the port of Philadelphia. He was then twenty-six years old.