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Tripp Kennedy (Patrick Dempsey) ambles into a bank near closing time, just as two different gangs unwittingly converge to rob it. A shoot-out erupts, and Tripp tackles the smart, pretty teller, Kaitlin (Ashley Judd), to protect her. The gangs–one clearly made up of pros and the other a couple of buffoons–have deadlocked themselves in a Mexican standoff.