A convicted bank robber from New York was charged yesterday with reverting to his old ways and robbing a bank — just three months after he got out of prison.

John Edward Stevens, 59, had finished a 25-year prison term when he allegedly decided to target a TD Bank in New Jersey on April 15, officials say.

Stevens was living in a halfway house on Gold Stree in Downtown Brooklyn at the time of the Garden State holdup.

Yesterday, he appeared in Newark federal court and was held on bank-robbery charges. If convicted, the ex-con will face another 20 years in prison.