Would-be bank robbers and D.C. police met head-on yesterday and the result was roughly a draw.

One man intent on robbery was a victim of his own bad timing. He arrived at the Jefferson Saving and Loan office at 401 M St. SW five minutes before the start of the business day. When he tried to pass for a surveillance system repairman, a teller asked to see his identification. He produced a handgun, but the doors remained locked and he fled on foot.

In the second incident two men, one armed with a handgun, held up the Interstate Federal Savings and Loan office at 1300 Wisconsin Ave. NW and fled with an undisclosed amount of cash. An irate teller chased the noontime robbers and alerted a passing police officer, who radioed for more help. An officer in a scout car spotted one of the suspects in Georgetown. Police said they found both a gun and an unspecified amount of money on James Donald Clark, 24, of 2217 14th St. NW. He was charged with bank robbery, but the second man escaped.

In the third attempt, a man entered the Seventh Street SW office of First Federal Savings and Loan about 3 p.m. and demanded money. He was given an undisclosed amount and fled on foot. But when police heard his physical description, they immediately went to the 1200 block of Delaware Avenue SW, where they charged Timothy Otis Kay, 21, with the robbery.