Abstract: A bandanna-type article of wearing apparel is fabricated from an integral piece of fabric folded in a manner to have forward and back panels of substantially triangular shape and an intervening pocket region. The configuration of the article is such that its upper edge is essentially the base of a triangle, and a downwardly directed apex constitutes the lower extremity of the forward panel. Tying ears extend from both extremities of the upper edge. A sheet of compliant thermally insulative material such as a polyurethane sponge is held by sewn seams within the pocket region.