Is it ever ok to lie?

Here is a hypothetical situation as an example of what I am getting at by this question:

Someone comes up to you (weapon in hand) asking you where a certain someone is.
Even though you know where that person is, do you tell this person where that person is and pray that God’s will is done, or do you lie and say that you don’t know where they are?

I have heard three different responses to this in the past.

1. It is never ok to lie, even if it means telling the truth could possible mean the death of the other individual. When we lie, it indicates that we have a lack of faith in God.
2. It is ok to lie in a situation like this, because common sense tells us that if we don’t it could mean the death of a human being. We shouldn’t just trust God in a situation like this (although we should do that as well). We should do our part to make sure as best as possible no one is harmed, even if that means lying.
3. The situation isn’t black and white, on whether it is ok to lie in a situation like that or not. What is more important is where the person’s heart is at the time or their choosing to lie or not.

What do you think about this matter?

Tom