Jim Nicholson knew he should have just handed over the cash. But when the thin man in a beanie cap, dark clothing and sunglasses pushed a black backpack across the bank counter and demanded money, Nicholson says his instincts took over. After more than two years working as a teller at the Key Bank branch in Lower Queen Anne, Nicholson clearly understood the bank's strict policy of quickly complying with robbers' demands and avoiding confrontation. Instead, Nicholson threw the bag to the floor, lunged toward the robber and demanded to see a weapon. Surprised, the would-be bank robber backed up...