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When she was in her twenties, Peggy Jo got her own apartment in North Dallas and started working as a receptionist at a Marriott hotel near downtown. She and another receptionist, a cute blonde named Cherry Young, went out almost every night. Peggy Jo always drove in her little burgundy Fiat, gunning the engine, racing other cars from stoplight to stoplight. They hit all the great Dallas nightclubs: Soul City, the Fog, and the Filling Station, on Greenville Avenue, ordering Coors, playing pool, and flirting with men. They went to see the Doors and the Doobie Brothers and even the Rolling Stones, screaming at the top of their lungs as a young, wrinkle-free Mick Jagger gyrated madly across the stage. Peggy Jo took Cherry to a coffeehouse where amateur poets read out of their notebooks, and they also went to see movies. Peggy Jo's favorite, which she saw over and over, was Butch Cassidy and the Sundance Kid. Starring Paul Newman and Robert Redford, the movie tells the story of the famous bank- and train-robbing duo who lived in the last days of the Old West: two good-natured, Robin Hood-like outlaws who never believed that what they were doing was wrong because they never hurt innocent bystanders and they always robbed from institutions that took advantage of downtrodden citizens. Although Butch and Sundance knew they had little chance of survival, they refused to walk away from the life they loved, and they ended up in South America, still robbing banks, finally dying in a hail of gunfire.

According to Cherry, Peggy Jo didn't have any immediate plans to get married and have children, she didn't care about finding the right career, and she didn't worry about money.All she wanted was enough to get by, to pay her bills and have a little left over for a few drinks or a couple of meals each week at El Fenix. "She told me she was saving a little so that she could someday go to Mexico, just to live on the beach in a hacienda and wear bathing suits night and day," Cherry said. "She was beautiful and she was rambunctious. She always told me that deep down she was wild at heart."

But just how wild? One afternoon, when Peggy Jo and Cherry were driving around in the Fiat, they passed a Wells Fargo armored truck, and Peggy Jo made a rather odd comment: "You know, I could go rob that and not have to worry about anything for a while."

"You'd need a gun," Cherry said.

"Oh, heck, I'm smarter than that," Peggy Jo replied.

Cherry laughed. It never once occurred to her that Peggy Jo would ever work up the courage to commit an actual robbery. True, she could get a little feisty:When a police officer pulled her over one evening for speeding, she laughed and tore up the ticket in his face. And there was the night when she and Cherry had a spat at a restaurant in Fort Worth.To calm down, Cherry walked to another bar. A few minutes later, Peggy Jo walked outside and saw an unlocked pickup with the keys in the ignition. She jumped in and drove away. The police caught up with her, and she eventually pleaded guilty to a felony charge of unauthorized use of a motor vehicle, receiving a five-year probated sentence.

Still, it's one thing to go on a joyride in a stolen car after a night of drinking. It's another thing entirely to become an outlaw. "And what everyone needs to remember is that my aunt was a wonderful, loving woman," said Michelle (who asked that her last name not be used)."When she came over to babysit me and my brothers, she made up funny games for us to play, she cooked us popcorn, and then at the end of the night, she told us ghost stories, where the ghosts were always creaking up the stairs and doors were squeaking. She truly had a heart of gold."

Her life was not without disappointment, of course. In the mid-seventies, she told her friends she had fallen in love with a man who lived near Dallas. Then, several months later, she mentioned that the relationship was over. "She told me that she had gone to the town where the man lived and that she had seen his car parked in front of a business," Karen said. "She said she then saw a woman getting into the driver's seat. Peggy Jo walked up to the woman, asked her what she was doing, and the woman said, 'Well, ma'am, this is my husband's car.' Peggy Jo was completely devastated. She had no idea she had been dating a married man."

Not long after that, she moved into an apartment in Irving to live with her mother, who was battling a degenerative bone disease. Peggy Jo found a new job near the apartment at a computer factory, and then she worked in the office of a mobile-home construction company. She remained friends with Cherry, who by then was working as a cocktail waitress."Every now and then, we'd have an old-fashioned night and hit all the old places and listen to rock and roll," Cherry said."And one day she called and persuaded me to quit my job so that we could go to Florida and live for a couple of months on the beach."

But by 1980 Cherry had married and moved to Oklahoma City. Peggy Jo's childhood friend Karen had also married. Peggy Jo, who was still quite attractive, with a slender body and, in the words of Karen, "movie star long legs," certainly had plenty of chances to start another relationship, but she kept her distance from men. "I don't think she was ever able to get over the pain of the betrayal from the married man," Karen said. "I think she decided to be alone."

A year passed, then another, then another.And suddenly, just like that, it was 1984, and Peggy Jo was forty years old, with lines tracking out from the corners of her eyes and a touch of gray slipping into her hair. She found another job working for the Pony Express Courier Service, driving a van up and down Dallas's freeways, past a series of bland billboards, and delivering packages to businesses, and she also moved with Helen to a new apartment in another Dallas suburb-the Pecan Knoll Apartments, in Garland-to be closer to Michelle and her family. (Peggy Jo's sister, Nancy, was then living in East Texas; Peggy Jo and her brother, Pete, who had had disagreements in their younger years, were rarely speaking.)

Over the next couple of years, she endured her own medical problems. She injured her back and later underwent an emergency mastectomy, which kept her in bed for several weeks. She also began taking anti-anxiety medication, in large part because her income and her mother's Social Security checks barely covered the bills, especially as her mother's medical costs rose. "I think she was beginning to feel like she could never catch up," said Cherry, who occasionally came down from Oklahoma City to visit. "And she was too proud to ask anyone for help. She liked helping people. She didn't want people to help her."

Cherry paused. "And there's another thing that was going on with her," she finally said. "This is hard to explain, but I think Peg was starting to feel, well, like her life was slipping away. Do you know what I mean? It's the way women get sometimes.You get to a place in your life and you start looking back and you say to yourself that it's not working out the way you hoped.You think everything is slipping away and you feel-I don't know-crazy. You want to scream or something."

Cherry paused again."I think Peg missed being wild at heart."

She had to have been scared out of her wits when she walked into American Federal in Irving in May 1991. Although a note-job bank robbery does not involve the same kind of drama as an old-fashioned bank heist, in which the robber tunnels through the walls and blows apart the vault, it is still an incredibly daring act, a very public performance that is not only witnessed by employees and customers but is also always caught on tape.

Amazingly, however, Peggy Jo did not commit any of the amateur mistakes that many first-time bank robbers make. She kept her head down so the security cameras could not get a good shot of her face. She did not fidget as the teller read her note. During those long seconds that ticked away as the teller pulled the money out of her drawer, she remained absolutely silent, saying nothing. Then came that long walk out of the bank, when she had to be wondering if a security guard she had not seen was coming up behind her, a gun in his hand. But she did not break into a run. Nor did she squeal away in her car, running red lights and drawing more attention to herself.