florida in the panhandle area. people are bound by their schools, by their family, by their churches. >> sunday schoolteachers with children and a grandchild don't go missing? >> exactly right. >> law enforcement was trying to put the pieces together. when they looked into cheryl's background, nothing jumped out at them. two sons, a long-settled divorce, no boyfriends. then on tuesday four days after she was last seen, the cops got her bank records. something was up. >> we found where some atm activity had occurred. >> that's a big break. >> yes, sir. upon viewing that video in leon county, it was clear it was not her. this was a male subject using her card. he was disguising his face. we knew at that point that it was probably not going to be a good outcome for ms. dunlap. >> the disguised man made three separate withdrawals of $700. the atm was in downtown