Please help

This is a long shot, but maybe somebody can help. I am having a problem remembering a particular action/crime/thriller type movie. It was probably released between 1995 and 2005. I don’t remember the details of the storyline, but it has to do with an undercover/FBI agent. About all I can remember is the beginning of the movie, it starts off during a bank robbery in progress and the undercover cop had infiltrated a father/son duo and was part of their group, there may have been a bigger gang, but I just remember the father/son. The bank is surround by cops and the gang and the undercover (UC) cop are holding the customers of the bank hostage. The UC cop is still undercover he tries to talk them out by getting the gang to surrender without getting killed but the son does get killed because the father is pushing him to not surrender. The cop feels responsible and this incident haunts him later in the movie. The father/son are sort of the neo-nazi type and the UC looks pretty “redneckish” during the robbery but I think he cleans up later in the movie. For some reason I keep thinking that Bruce Willis plays the cop but I don’t think its him because I could not find a movie in his filmography that fit the description. Does anyone have any idea which movie I am talking about? It has been driving me crazy. I can almost see the lead actor in my head but can’t quite put my finger on it.

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