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The next morning, Peggy Jo woke up and made her bed, smoothing out the wrinkles in the sheets and spreading a fake sheepskin blanket over the mattress, making sure the bottom edge of the blanket was as straight as a ruler. Nearby, hanging from two wooden rods, were her nicer clothes: a few pairs of blue jeans, a couple pairs of khaki pants, and six blouses, all of them neatly ironed. But on this particular morning, she put on a black long-sleeved shirt and a pair of black pants that she kept in a plastic drawer. From a shelf, she grabbed a sandwich baggie filled with makeup and applied some lipstick and rouge to her face, and she ran a brush through her graying hair. She looked at herself in a mirror that she kept on another shelf, right next to some photos of young children with freckles and lopsided grins-her grandnieces and grandnephews-and she then made her way to the front of the RV, where she kept a variety of sunglasses and wide-brimmed hats along with a couple of black wigs and hair extensions.

After choosing a large black straw hat that came down over her forehead and a pair of black sunglasses that practically covered the top half of her face, Peggy Jo slipped into the driver's seat and drove to Tyler, parking her RV next to a Jack in the Box, which happened to be across the street from Guaranty Bank, the very bank that had been robbed the previous October. Holding a black satchel, she stood at the street corner waiting for the traffic light to change; then she headed for the bank. She walked through the front door, past a sign in the lobby that read "You Need the Right Tools to Build Your Dreams," and said to the teller,"This is a robbery. I need all of your money. Don't set any alarms."

The teller, a young woman barely out of her teens, gave Peggy Jo everything she had in her drawer: $ll,24l. Peggy Jo's heart had to have started racing. This was big. This was like the robbery back in Mesquite in 1992. All she had to do was get out of there and head south, and she could finally get to Mexico and start her new life on a beach.

In her haste to get away, however, she made one simple mistake. She didn't check for a dye pack. It exploded as soon as she walked out the door, covering the money with red ink. A plume of red smoke also began to rise from the satchel as she headed back across the street, dodging traffic to get to her RV.

The smoking satchel caught the attention of a TXU crew working in cherry-picking buckets above the street. A young Tyler couple named Chris and Courtney Smith, who were driving away with their children from a nearby Wal-Mart, also saw Peggy Jo. Because of her disguise, however, they couldn't tell whether they were watching a woman or a man dressed as a woman. "I bet that person robbed a bank," Courtney said, dialing 9ll on her cell phone while Chris whipped the car around to follow Peggy Jo, ordering the children in the backseat to keep their heads down.

It just so happened that a group of FBI agents and Tyler police officers were out in their cars that very morning, cruising the streets. They literally were searching for bank robbers. Three banks had been robbed recently in the Tyler area, and the authorities believed that two or three young black men were the robbers.

As a matter of fact, when the police radios crackled with the news about Guaranty Bank, Jeff Millslagle, the burly senior agent in charge of the FBI's Tyler office, had just begun to interview a young black man in the northern part of the city who had been caught driving a stolen car. Millslagle and other FBI agents raced south in their unmarked SUVs. Officers from the Tyler Police Department also came roaring toward the bank, their sirens screaming, as did state troopers from the Department of Public Safety.

Within minutes, a posse of law enforcement officers and such curious citizens as Chris and Courtney Smith and their children were right behind Peggy Jo as she headed down the highway. Because the RV was going up a hill, it was not able to get above the speed limit. Its gears grinding, it lumbered past the Colonial Hills Baptist Church, the Heritage Baptist Church, a movie theater, and a skating rink. Exhaust billowed out of the tailpipe and floated over a field of bluebonnets blooming in the highway's median.

Peggy Jo made one last-ditch attempt to get away, suddenly hitting the brakes and turning the RV into a quiet, middle-class subdivision at the edge of the city. She immediately turned again, onto the poetically named Irish Moss Drive. Before she could get to the end of that street, however, a couple of police cars raced past the RV, boxing it in. Officers in bulletproof vests leaped out of their cars, some holding handguns, a few holding rifles. One officer crouched near an azalea bush; another bent down behind a tree. One of the residents on Irish Moss Drive grabbed his video camera and stood in his doorway to film whatever was going to happen next.

The truth was that no one was exactly sure who was in the RV. The police dispatcher had reported that the bank robber was possibly a white female, but the officers could not rule out that the robber was one of their black suspects who had disguised himself as a woman. Nor could they rule out the possibility that other members of the bank-robbing gang were inside the RV, all of them wielding guns.

Minutes ticked by. Because the curtains were pulled across the windows, the officers were unable to see inside. Some of those close to the RV were saying the things that officers always say in such situations. "Come on out, now."You're surrounded." "Just make it easy on yourself."

From what could later be determined, she sat at the RV's little kitchen table, smoking a Merit, the smoke drifting from her nostrils. On the floor next to the table was her black satchel, the money useless, almost all of it stained red. A couple of feet away from the satchel was her fishing pole, and beside the pole was her box of family photos.

Who knows what she thought about during those moments? Surely she had to have realized that she was facing a long prison sentence. Maybe, if she was lucky, she would get a couple of hours a day in a prison yard where she could feel the sun against her face. Maybe, if she was lucky, she would be released before she died.

A few more minutes passed.

Finally, Peggy Jo went back to her bedroom, where a.357 Magnum loaded with hollow point bullets was hidden underneath a pillow. But she didn't touch that gun. Instead, she picked up a toy pistol that she also kept in the bedroom. She had bought it, apparently, to carry with her in case she ever needed to threaten a bank employee in a future robbery.

She walked to the door and opened it, her hands at her sides. The police officers who had surrounded the RV could not believe what they were seeing: an unassuming woman in a wide-brimmed hat. A woman who was the age of their grandmothers.

"You're going to have to kill me," she said.

"Ma'am, you don't have to do this," replied one of the officers, a young man who would later be advised by his superiors to seek counseling for the guilt that would haunt him.

"You mean to tell me if I come out of here with a gun and point it at y'all, you're not going to shoot me?"

"Please don't. Please don't do that," yelled another officer.

But then she took a step out of the RV, and from the doorway her hand emerged, holding the toy pistol. Just as she began to lower it, four officers fired, the sound of the shots echoing off the surrounding houses and Peggy Jo's RV.