The Dutchman was nervous about passing the graveyard, remembering the rumors of a galloping ghost that he had heard at the tavern. He stumbled along, humming to himself to keep up his courage. Suddenly, his eye was caught by a light rising from the ground in the cemetery. He stopped, his heart pounding in fear. Before his startled eyes, a white mist burst forth from an unmarked grave and formed into a large horse carrying a headless rider.
The Dutchman let out a terrible scream as the horse leapt toward him at a full gallop. He took to his heels, running as fast as he could, making for the bridge since he knew that ghosts and evil spirits did not care to cross running water. He stumbled suddenly and fell, rolling off the road into a melting patch of snow. The headless rider thundered past him, and the man got a second look at the headless ghost. It was wearing a Hessian commander's uniform.
The Dutchman waited a good hour after the ghost disappeared before crawling out of the bushes and making his way home. After fortifying himself with schnapps, the Dutchman told his wife about the ghost. By noon of the next day, the story was all over Tarrytown. The good Dutch folk were divided in their opinions. Some thought that the ghost must be roaming the roads at night in search of its head. Others claimed that the Hessian soldier rose from the grave to lead the Hessian soldiers in a charge up nearby Chatterton Hill, not knowing that the hill had already been taken by the British.
Whatever the reason, the Headless Horseman continues to roam the roads near Tarrytown on dark nights from that day to this.
Don't have a great storyteller? Here's a link where you can listen to the story. The Headless Horseman as told by S. E. Schlosser