Three small girls are left without a home after their father, Stevie (Anthony LaPaglia), is killed in the line of duty. His partner, Artie (Michael Keaton), and his wife (Rene Russo) choose to adopt the children, but the government thinks their living quarters are too cramped for a family. Without enough money for a down payment on a house, Artie robs drug lord Beniamino Rios (Tony Plana). Little does Artie know, that Beniamino’s girlfriend (Rachel Ticotin) may have the means to take him down.