Mrs. Peggy Holmes of Grand Bend, Ontario dropped a wallet containing $640 in cash while dining on Wednesday at Shutters Restaurant.

A taxi took her to her guest apartment in Spanish Point, but returned a short time later to tell her she had left something at the restaurant.

Miss Gerry Outerbridge, a waitress at Shutters, had found the wallet and alerted the taxi company to radio its drivers and ask which one had carried the 74-year-old woman home.

"Only in Bermuda,'' said Mrs. Holmes, who was to fly out today after visiting the Island for about the tenth time since she first came here in 1960. Without the money "I don't know what I would have done.'' Mr. Dean Holmes, her son, said he manages a restaurant in Windsor, Ontario. It has about 170 employees, including delivery drivers, and "I can name three or four people out of all of those who would have returned the money,'' he said.

"It would not happen in Canada or the States,'' he said. "I am going to come back, and I hope my mother will.

"If we had lost that money, we would be in trouble, and probably would not be back.'' Miss Outerbridge, who turned 21 today, said she never thought about pocketing the money. "I couldn't keep it,'' she said. "It would bother my conscience too badly.'' `ONLY IN BERMUDA' -- Visitor Mrs. Peggy Holmes will return to Canada today with fond memories of the Island. A waitress returned her wallet containing $640.