The Ghost of a Chance by Heather Graham

Having run into the bank to take out cash for her son’s school fair, Angela Hawkins Crow is surprised to find herself in the middle of a hostage situation. The hostage-taker is none other than Billy Mendelson, a young man suffering after a violent armed robbery attack at his home.
Angela read about the crime but is mystified by his behavior, even as he hustles her into a vault with several others. Billy was a stellar student and so much more before the events of that fateful day. How can he subject others to such violence?
Thankfully, Angela realizes someone else in the bank might be able to help her bring it all to an end—without any injuries. It’s a ghost of a chance, but one she must cling to if she wishes to save the hostages and the young man so damaged by what has befallen him.

Only a ghost of a chance…
But one she is grateful to have. And one that just might work.