Well into his forties, Derrick Rowe finds himself chasing stray women and stealing cash from the bookstore he manages. Having decided it's time to stop spinning his wheels, he's recently turned to robbing banks. Meanwhile, he bails his friend Jack Lofton out of jail, a burly fellow in an alcoholic free-fall of his own. Rowe soon enlists both Lofton and a tough young clerk at the bookstore in another heist, setting the stage for an armed bank robbery, a drive-by shooting, and further complications for all. Told from different perspectives in Clark's signature clear, concise prose, Hair-Trigger follows the various trails and exploits that lead to a violent climax involving Rowe, Lofton, the police, and several gangsters.