FBI agent Malcolm Turner is tough, smart and a master of disguise. Malcolm's latest assignment brings him to a small southern town, where he's determined to trap a brutal bank robber (and recent escapee). Malcolm sets up a stakeout across from the home of a southern matriarch known as Big Momma, who's about to be visited by the con's former flame, Shery, and her son. It's a simple plan, but there's one big problem: Big Momma has unexpectedly left town. So Malcolm decides to impersonate her. As if things weren't complicated enough, Malcolm finds himself falling for Shery, who might be hiding some stolen cash. Now, Malcolm/Big Momma must somehow find a way to get his man - and women.