Mark Smith, 59, was arrested at a bank in Watsonville, Calif., in September after he had allegedly threatened a teller with a bomb (spelled "bom") and demanded $2,000. The teller, apparently skeptical of Smith's toughness, tried to convince him, instead, to borrow the money, and she had him wait while she retrieved an application (during which time she called 911). By the time police arrived, Smith was filling out the loan form.


