Jack Barnes (Casper Van Dien) a tall handsome Texan, once part of foiled bank raid, now works as a security guard in a sleepy Texas border town bank. His boss Ed (Daniel Baldwin) asks Jake to moonlight and spy on his sultry and very sexy wife Rosalita (Rochelle Swanson) who Ed suspects is fooling around. Ed owns the bank and is not adverse to handling a little money laundering for a drug cartel. He is expecting another money drop soon, millions of dollars in unmarked bills that must be stored in his bank before being smuggled over the border. One evening Jack is crossing back over the border after a passionate liaison with his lover (who just happens to be Rosalita!) when in the dark streets he almost runs down Kristen (Camilla Overbye Ross), a heart stopping blond who tells him she has fought with her boyfriend and needs help. Kristen is really a setup. She is controlled by Barry (Bryan Brown), a ruthless and violent man who has been following the drug money and is planning on robbing the bank the night the drop is made.
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