The Christmas Target. Charlotte Douglas

but not the familiar moist, tropical atmosphere of her native Miami. The dry, fusty air of a central system, apparently operating at its maximum potential, seared her lungs and dried her skin. Longing for the humid warmth of Florida sunshine, she crossed the lobby toward a desk marked Information, where a bank employee was conferring with an elderly lady.

      “Excuse me,” Jessica said, and shot a smile of apology at the older woman.

      “Can I help you?” the bank employee asked.

      “I’m here to see John Hayes,” Jessica said.

      “If you’ll have a seat,” the employee answered in a pleasant but distracted tone, “he’ll be with you shortly.”

      Jessica settled in a chair a few feet away, unbuttoned her coat and refrained from fanning her cheeks in the unnatural heat. Ever since her boss, Max Rinehart, had escorted her aboard her flight at Miami International, she’d been either too hot or too cold.

      Thinking of Max, probably sunning himself and sipping a tall, cool drink beside the free-form swimming pool of his Biscayne Bay home at this very minute, she uttered a silent curse.

      He’d given her no choice in accepting this assignment. “You’re the best consultant I’ve got,” he’d insisted, “and our client demanded the best.”

      “You’re the best, Max. You should be flying to Montana in the dead of winter, not me.”

      Max had grinned, flashing his amiable puppy-dog look that hid a savvy business mind. Brilliant sunlight streaming through the glass wall of his twelfthstory office glinted off his bald head, the wristband of his Rolex and the fourteen-carat gold buttons of his navy-blue blazer, tailor-made for his dumpling body.

      “You know I can’t go,” he explained with an apologetic look. “The Christmas holidays are approaching. All the grandchildren and their pals from college will be descending on me.”

      “What better reason to get out of town?” Jessica asked in a dry tone, but she knew how much Max doted on his grandchildren and that he wouldn’t miss spending their vacation time with them.

      He spread his hands as if to accent his helplessness in the situation. “With their grandmother dead, God rest her soul, they need someone here to keep them in check.”

      “So you’re sending me to the boonies while you ride herd on the party animals? Thanks a bunch.”

      “Jessikins—” He rose from his desk and came to her, encircling her in a fatherly hug. “You’ve never made a secret of the fact that you hate Christmas and everything about it. I’m doing you a favor, giving you a challenging assignment to take your mind off your least favorite time of year.”

      She couldn’t argue with him about disliking the holidays. From the time she was six until she was eighteen, she had spent every Christmas vacation alone in the cold impersonal dormitory of the New England boarding school where her parents had shunted her after their nasty divorce. As a result, she’d hated the Yuletide season and cold weather ever since.

      “You’re all heart,” she said grumpily, but in spite of her irritation at the impending job, she could never stay angry with lovable Max. With her parents remarried—her mother was on her fourth husband, her father, his third wife—and flitting from one European playground to the next, Max was the closest thing to family she had. She returned his hug and offered him a teasing challenge. “I could forget Christmas even better during a few weeks on the beach at St. Thomas.”

      “You bring back your report by January sixth, and I’ll give you the rest of the month in the islands as a bonus,” he had promised.

      Remembering, she sighed and considered removing her coat in the bank’s heat. January couldn’t arrive fast enough—if she didn’t either freeze or cook to death before then.

      The information officer launched into an explanation of social security direct deposit for the fragile old lady. Jessica shifted in her chair and glanced around the lobby. Except for the heavy clothing that bundled the customers against Montana’s bitterly cold climate, the bank, with its contemporary decor in fashionable neutral tones and its jungle of potted tropical plants, could have been in Miami.

      Seven customers, including the gun-toting Santa, waited in two teller lines. At a table near the entrance, a tall, rugged cowboy stood with his back to her, filling out what looked like a deposit slip. His attire, including a suede, sheepskin-lined jacket, a battered Stetson pushed back off his forehead, butt-hugging jeans and tooled leather boots, would definitely draw a few stares in Miami. Unlike the Santa, however, the cowboy didn’t appear to be carrying a gun.

      Jessica pulled her gaze from his long, lanky legs. Since the cowboy was apparently unarmed, maybe the West wasn’t as wild as she’d imagined. Its famous mystique was undoubtedly a myth. Take the cowboy, for instance. As seductively attractive as he appeared from behind, he was probably missing teeth, reeked of horse sweat and cow hides and had breath as foul as her mood right now.

      Her temper was rising because she didn’t like waiting. She kept herself on a regimented schedule and could never understand why others didn’t do the same. Efficiency was good for business.

      She glanced toward the door of a private office across the lobby where a brass plaque read, John F. Hayes. Hayes was the bank manager Max had told her to contact, but the employee at the information desk hadn’t informed him Jessica was waiting. She decided to take matters into her own hands and knock on Hayes’s door.

      Ignoring the cowboy’s attractive denim-clad tush, Jessica conducted a mental review of Max’s instructions as she pushed to her soggy feet and crossed the room toward Hayes’s office. Her ability to concentrate on work to the exclusion of all else—that and her MBA from the Wharton School of Business—contributed to her success as a top-notch financial consultant and troubleshooter. Oblivious to everything but her assignment, she ran through a mental list of the questions she’d prepared for John Hayes.

      Suddenly a bone-jarring jolt struck her and yanked her off her feet.

      She yelped in surprise as strong arms surrounded her and jerked her against a chest as solid as case-hardened steel. The concurrent deafening blast of a shotgun and the cascading crash of the bank’s front window drowned her cry. She struggled against the grip of the cowboy she’d noted earlier—until she spotted the Santa from the teller line, pointing the double barrels of his shotgun directly at her.

      “I said nobody move,” he shouted with an angry growl. “Don’t you understand English?”

      Jessica had been so deep in thought, she’d heard nothing the Santa had said until now. She froze in the cowboy’s embrace—except for a quick flick of her eyes that took in the rest of the now-silent lobby. The customers stood ashen-faced, hands raised, with the panicked expressions of wild nocturnal animals caught in a sudden beam of light.

      The snarling Santa hadn’t been waiting in line for a legitimate transaction. His fluffy white beard and bushy eyebrows were a disguise. Beady yellow-brown eyes, like those of a cobra prepared to strike, glared at her. Jessica shivered as his cold stare bored into her. He’d shot out the window without hesitation and looked ready—even eager—to shoot again. The man was either totally reckless or out of his mind.

      Or both.

      Jessica swallowed hard against the terror rising in her throat and prayed silently that no one would try to be a hero. The crazed Saint Nicholas looked capable of blowing them all away without a qualm.

      Behind the counter, a terrified young female teller was stuffing packets of bills into a bag as fast as her shaking hands would allow. Even under duress, Jessica’s efficient and encyclopedic brain fed her information, reminding her that bank tellers were trained to hand over their money without resistance—and to insert a stack of bills with a dye pack that would explode once the robbers left the bank. She recalled that small-town banks were considered soft targets for thieves, with buildings that were less secure and escape routes that were more accessible and less likely to be heavily patrolled by law enforcement.

      For