Saving The Little Old Lady On The Train Tracks (WATCH)

Not all heroes wear capes...

An 89-year-old woman was trying to cross a set of TRAIN TRACKS here in The Garden State last Wednesday.  And a commuter train started bearing down on her.

It happened in Saddle Brook....  The signal went off, and the arms came down to stop traffic.  She walks with TWO canes, so she wasn't moving very fast.

She would have been a goner if it weren't for 28-year-old Jon Mango...  He got to her first, when she was about halfway across.

She actually thought he was ATTACKING her at first.  So she stopped walking for a second.  Then the two other people showed up, and helped her the rest of the way.

It's hard to tell in the video, but Jon says the train missed them by INCHES.  Luckily they're all okay.