"chicken bandit'' during the robbery at the Southampton Princess branch of the Bank of Butterfield.

He added: "You were one of the bandits that chickened out and that is why Che Pennyman was the one who went into the bank.'' Francis, 27, of Stadium Heights, Devonshire, is charged with possessing a handgun and working together with Che Pennyman. They are alleged to have robbed the bank of more than $20,000 on October 14, 1994.

Pennyman has since pleaded guilty to the offence and is serving a 12-year prison sentence.

Mr. Tokunbo added: "You were in negotiations with Pennyman at his house and you would not part with your gun, that is why you went with Pennyman to the bank and waited on the bike by the tennis court.

"Pennyman's story is true and you are lying through your teeth. You're getting caught up in your own story.'' However, Francis denied that that was the case and said: "It's funny who you believe.'' The trial continues today before Puisne Judge the Hon. Mrs. Justice Wade. Mr.

Archie Warner appears for the defence.