HENDERSON, Justice.
Appellant, John Henry King, opened a checking account with First Federal Savings and Loan of Watertown, South Dakota, on April 13, 1982. Having made an initial deposit of $30.00, he withdrew $25.00 on April 14, 1982, leaving a balance of $5.00. On April 22, 1982, a check was written on this account to a Watertown grocery, for cash, in the amount of $150.00. The next day, another check in the amount of $77.17 was written to a Watertown business...
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