A car going the wrong way on a divided highway collided head-on with a Greyhound bus early Saturday, killing the driver of the car and injuring 20 others, police said. Panicked passengers crawled out the bus' windows.

The car, driven by a young woman, was headed southbound in a northbound lane on Interstate 85 at the time of the 3:05 a.m. crash, said police Lt. Mark Drinkard.

Police said they did not know why the car was in the wrong lane.

After the crash, panic erupted in the bus because the door was jammed shut and the car was smoking, raising a threat of fire, said passenger Clint Cannon.

"People were screaming. They were handing babies out the windows," Cannon said. "It was a frenzy. There were people screaming `Calm down!' There were people trying to push each other out of the windows, They thought the bus was going to explode."

The bus driver did all he could to try to avoid the oncoming car, said Cannon, a construction worker from Asheville, N.C., who was returning home from a job in New Orleans.

"When the bus would turn right, the car would turn right. When the bus would turn left, the car would turn left," he said.

The bus, carrying 49 passengers and two drivers, had just left the Montgomery terminal and was headed for Columbus, Ga., and then on to Atlanta, Greyhound spokeswoman Anna Folmsbee said. It had arrived from Houston.

Drinkard said 20 people were taken to two hospitals for treatment of minor injuries. Seventeen of them were taken to Baptist Medical Center South, said hospital spokesman Tommy McKinnon. All were awake and alert, he said.

Folmsbee said relief buses were brought in to take uninjured passengers on to their destination once they are ready to travel.

The name of the woman who drove the car was not released.