Usually, she liked wearing khaki pants, a simple blouse, and loafers. But on a lovely morning in May 1991, Peggy Jo, who was then forty-six years old, decided to wear something different. She walked over to her dresser, the top of which held a few small glass sculptures of dolphins with iridescent eyes that she had been collecting off and on for more than a decade. She opened one of the lower drawers and pulled out a pair of men’s pants and a dark men’s shirt. From her closet, she grabbed a men’s brown leather jacket that she kept on a hanger. She then reached for a Styrofoam mannequin’s head that was on a shelf in the closet. A fake beard was pinned to it and on top was a white cowboy hat.
She took off her nightshirt and put on the clothes along with some boots that were too big for her feet. She stuffed a towel under her shirt to make herself look heavier. She stepped into the bathroom, rubbed some adhesive across her face, pasted on the fake beard, and colored her hair with gray paint she had bought at a costume shop. She placed the cowboy hat on her head, put on a large pair of silver-rimmed sunglasses, and pulled on a pair of gloves. She then took a few minutes to write a note on a sheet of lined paper and put it in her pocket.
“Be back in a minute,” Peggy Jo told her mother, tiptoeing past her room. She walked outside, got behind the wheel of her 1975 two-door Pontiac Grand Prix, drove to the American Federal Bank just off West Airport Freeway in Irving, pulled into the parking lot, stepped into the bank’s lobby, and headed toward the counter, where a young female teller was smiling cheerfully.
“Hello, sir,” the teller said. “How may I help you?”
Peggy Jo pulled out the note she had written. “This is a bank robbery,” it read. “Give me your money. No marked bills or dye packs.”
The stunned teller handed over a stack of cash from her drawer. Peggy Jo nodded, stuck the money into a satchel, and walked out of the bank. She then drove straight back to her apartment, where her mother was still in bed, getting hungry, hoping Peggy Jo would return soon to fix her lunch.
IN THE CRIMINOLOGY TEXTBOOKS, they are invariably described as products of a deprived socioeconomic background. Most of them are young male drug addicts who don’t have the slightest idea what they are doing. When they burst into banks, their fingers twitch and their heads swivel back and forth as they look for security guards. They shout out threats and wave guns in the air. When they get their money, they run madly for the exits, bowling over anyone in their path, and they squeal away in their cars, leaving tire tracks on the road.
And then there was Peggy Jo Tallas. “I promise you, my Aunt Peggy was the last person on earth you would ever imagine robbing a bank,” said her niece, Michelle. “Whenever I was in a car with her, she never drove above the speed limit. If anything, she drove below it. And she always came to a complete stop at stop signs.”
But Peggy Jo didn’t just rob a bank. Beginning with that May 1991 trip to American Federal, she robbed lots of banks. According to the FBI, she was one of the most unusual bank robbers of her generation, a modern-day Bonnie without a Clyde who always worked alone, never using a partner to operate as her lookout or drive her getaway car. She was also a master of disguise, her cross-dressing outfits so carefully designed that law enforcement officials, studying bank surveillance tapes, had no idea they were chasing a woman. What’s more, she was so determined not to hurt anyone that she never carried a weapon into any bank she robbed. “I have to admit, I admired her style,” said Steve Powell, a former FBI agent who spent most of his thirty-year career chasing bank robbers and who supervised bank robbery investigations for the Dallas office of the FBI in the early nineties. “She knew how to get in and out of a bank in sixty seconds. She was very skilled and very efficient, as good as any man I’ve ever come across.”
Although female bank robbers are not unheard of—it is estimated that women commit less than 5 percent of the some 7,600 bank robberies that take place each year in the United States—almost all of them are young women who, like most of the men, rob banks for drug money. And only a few of those women rob more than a bank or two before they quit or get caught. Accordingly, when Powell and his team of FBI agents happened to corner Peggy Jo near her apartment in 1992, they assumed they would never be dealing with her again. She was one of those women, they believed, who had succumbed to a strange bout of middle-aged craziness. She wasn’t poor. She wasn’t an addict or an alcoholic. And from what people who knew her said, she was utterly harmless—“A sweet lady who once chatted with me about the best way to grow plants on the front porch,” one neighbor noted. Seemingly repentant, Peggy Jo pleaded guilty to bank robbery and quietly went off to prison for almost three years. And that seemed to be that.
But then, this past May, the story broke that a small bank in the East Texas city of Tyler had been robbed by a sixty-year-old woman. The woman was dressed in black, wearing a black wide-brimmed hat and dark sunglasses that covered much of her face. She was polite and did not use a gun when she confronted the teller. She placed the money she received in a black satchel, nodded “thank you,” walked out the door, and climbed into a twenty-foot Frontier RV with pretty purple shades around the windows. She turned on the ignition, pushed on the gas pedal, and headed south on Texas Highway 69, straight out of town.
After all those years, Peggy Jo Tallas had returned.
IF YOU WANT TO UNDERSTAND HER, her friends say, you’ve got to go back to Dallas in the late fifties, when she was an irrepressibly free-spirited teenager, her hair brownish-blond and curly and her green eyes as shiny as marbles. “She had a beautiful, wide smile that made you want to smile back at her,” said Karen Jones, her closest childhood friend. “And what was most special about her was that she loved doing things other kids didn’t do. She once drove me around looking for stray dogs to adopt. And then she took me over to the Yellow Belly drag strip just to watch the cars race.”
She was the youngest of three children. When she was four years old, her father died of cancer, and her mother, Helen, found a job as a nurse’s aide to support the family. They lived in a tiny rent house in the suburb of Grand Prairie. Peggy Jo’s sister, Nancy, was a high school majorette, and her older brother, Pete, played on the district’s championship basketball team. Peggy Jo, however, dropped out of high school after the tenth grade. “She told me there was just too much else to do in life than spend so many days at school,” Karen said. One day, in fact, Peggy Jo jumped in her car and drove to San Francisco because she wanted to see what life was like there. When she returned, she gave Karen a book of poems written by Lawrence Ferlinghetti, the co-founder of San Francisco’s famous City Lights bookstore and an influential Beat poet whose work often decried the emptiness of modern life. (In one of his most famous poems, from A Coney Island of the Mind, he described America as a country of “…freeways fifty lanes wide/on a concrete continent/spaced with bland billboards/illustrating imbecile illusions of happiness.”) “I laughed and thought, ‘Of all people, Peggy Jo’s been off reading poetry in San Francisco,’” Karen said. “But that was just who she was, always ready for an adventure.”
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 wh
o 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.
In fact, after the FBI’s Steve Powell interviewed bank employees and watched the surveillance tapes, he had no doubt that he was dealing with a professional bank robber. Powell, who grew up in the small Panhandle town of Tulia, eventually noticed that the robber had worn his cowboy hat backward. And he figured that the beard was fake. But it never occurred to him that the suspect wasn’t a man.
In December 1991 Peggy Jo, dressed in the same outfit, stole $1,258 from the Savings of America, which was also located in Irving. This time, an eyewitness was able to write down the license plate number of the Grand Prix. But when Powell’s agents tracked the license plate and converged on the owner’s home not far from the bank, they found a lady sitting in her living room who said she had not been out of the house that day. She took them outside to show them her car, which was a red Chevrolet. That’s when she noticed that the license plate was missing. Obviously, the FBI agents said, the bank robber had stolen the license plate earlier that day and put it on his own car to mislead them.
A month later, Peggy Jo struck again. This tim
e, she moved to the other side of Dallas, hitting the Texas Heritage Bank in Garland for approximately $3,000. In May 1992 she robbed $5,317 from the Nations Bank in the adjoining suburb of Mesquite. During the robbery, she wisely handed back a stack of bills that contained a hidden dye pack, a small package that is triggered to explode a few seconds after it passes underneath an electronic eye positioned at a bank’s exit, staining the money with permanent ink and sometimes staining the robber himself.
By then, Powell had named the robber Cowboy Bob. “And he was making me start to pull my hair out,” he said. “How could this thin, little dried-up cowboy be whipping us this bad, time after time?”
In September 1992 Cowboy Bob robbed First Gibraltar Bank in Mesquite of $1,772. Police officers roared up in their squad cars, followed about ten minutes later by several vehicles filled with FBI agents. They tracked the license plate on Cowboy Bob’s car to a Mesquite resident who, predictably, went outside to his driveway to find his license plate missing.
Then, while agents were wrapping up their investigation at First Gibraltar, a call came in that Mesquite’s First Interstate Bank, about a mile away, had just been robbed by a man in a beard, a cowboy hat, a leather coat, and gloves. And he had hit the jackpot, escaping with $13,706. He was so pleased, the teller said, that he gave her a kind of salute as he left, tipping his hat with his gloved hand.
“Cowboy Bob is at it again!” shouted Powell, jumping into his car and racing toward First Interstate. “Son of a bitch!”
This time the license plate that an eyewitness saw on Cowboy Bob’s brown Pontiac Grand Prix was traced to a man named Pete Tallas. FBI agents found Tallas at work at a Ford auto parts factory in nearby Carrollton. “The agents asked me if I owned a Grand Prix with a certain license plate number, and I said, ‘That’s right,’” recalled Peggy Jo’s brother. “I told them I had given it to my mother and Peggy Jo a year or so back because they couldn’t afford a car. They said, ‘It was just used in a bank robbery.’ I said, ‘Bullshit, that car can’t go fast enough.’”