A 24-year-old former schoolteacher from Florida, whose lawyer said she had recently been underemployed, was arrested yesterday and charged with attempting to rob the McLachlen National Bank at 11th and G streets NW, police said.

In the 10:15 a.m. incident, a woman presented a teller with a detailed note outlining four steps the teller was to follow.

The note called for (1) half the money in the cash drawer and (2) half the traveler's checks. It also asked (3) that the money be in large bills and (4) that it be placed in a money bag.

As it turned out, the teller, Veronica Lopez, followed none of the steps, but instead rang an alarm and dropped to the floor.

Police said they arrested Sherri Rose Glass, of Clearwater, Fla., identified as a graduate of the University of South Florida. She was charged with attempted robbery.

At a hearing later, a U.S. prosecutor said the woman was sought on a warrant in connection with a bank robbery last month in Clearwater.

According to authorities, the woman taught school in Germany after her marriage to an Army officer from whom she is now divorced.

On her return, according to an attorney assigned to her case yesterday, she could not get another teaching job, and was "underemployed," working as a dishwasher and at other low paying jobs.

The lawyer said she came here because she had always wanted to see Washington.

She was ordered held on $2,000 bond and her case was continued to Dec. 11.

In another incident, two men, one with a gun and one with a note, held up the L'Enfant Plaza branch of the National Bank of Washington, at about 10:15 a.m., and escaped with an undetermined sum.