According to the FBI, most modern-day bank robberies are "unsophisticated and unprofessional crimes," committed by young male repeat offenders who apparently don't know the first thing about their business.  For instance it is reported that in spite of the widespread use of surveillance cameras, 76 percent of bank robbers use no disguise, 86 percent never study the bank before robbing it, and 95 percent make no long-range plans for concealing the loot.  Thus, this advice is offered to would-be bank robbers, along with examples of what can happen if the rules aren't followed:

1. Pick the right bank.  Clark advises that you don't follow the lead of the fellow in Anaheim, Cal., who tried to hold up a bank that was no longer in business and had no money.  On the other hand, you don't want to be too familiar with the bank.  A California robber ran into his mother while making his getaway.  She turned him in.

2. Approach the right teller.  Granted, this is harder to plan.  One teller in Springfield, Mass., followed the holdup man out of the bank and down the street until she saw him go into a restaurant.  She hailed a passing police car, and the police picked him up.  Another teller was given a holdup note by a robber, and her father, who was next in line, wrestled the man to the ground and sat on him until authorities arrived.

3. Don't sign your demand note.  Demand notes have been written on the back of a subpoena issued in the name of a bank robber in Pittsburgh, on an envelope bearing the name and address of another in Detroit, and in East Hartford, Conn., on the back of a withdrawal slip giving the robber's signature and account number.

4. Beware of dangerous vegetables.  A man in White Plains, N.Y., tried to hold up a bank with a zucchini.  The police captured him at his house, where he showed them his "weapon."

5. Avoid being fussy.  A robber in Panorama City, Cal., gave a teller a note saying, "I have a gun.  Give me all your twenties in this envelope."  The teller said, "All I've got is two twenties."  The robber took them and left.

6. Don't advertise.  A holdup man thought that if he smeared mercury ointment on his face, it would make him invisible to the cameras.  Actually, it accentuated his features, giving authorities a much clearer picture.  Bank robbers in Minnesota and California tried to create a diversion by throwing stolen money out of the windows of their cars.  They succeeded only in drawing attention to themselves.

7. Take right turns only.  Avoid the sad fate of the thieves in Florida who took a wrong turn and ended up on the Homestead Air Force Base.  They drove up to a military police guardhouse and, thinking it was a tollbooth, offered the security men money.

8. Provide your own transportation.  It is not clever to borrow the teller's car, which she carefully described to police.  This resulted in the most quickly-solved bank robbery in the history of Pittsfield, Mass.

9. Don't be too sensitive.  In these days of exploding dye packs, stuffing the cash into your pants can lead to embarrassing stains, not to mention severe burns in sensitive places - as bandits in San Diego and Boston painfully discovered.

10. Consider another line of work.  One nervous Newport, R.I., robber, while trying to stuff his ill-gotten gains into his shirt pocket, shot himself in the head and died instantly.  Then there was the case of the hopeful criminal in Swansea, Mass., who, when the teller told him she had no money, fainted.  He was still unconscious when the police arrived.