T'on Ma is set in Texas during the 1850s and offers a classic tale of a woman torn between two lovers. Lana Cooper lives with her three brothers and parents on their new homestead. During the summer of 1850, she meets Two Hawks, a young Kiowa warrior, who doesn't know what to make of her blue eyes. Is she a medicine woman? A spirit woman? Should he kill her or take her captive? While he decides her fate, he gives her the name T'on Ma, Kiowa for Water Woman.
Lt. Liam O'Connell is a West Point graduate from a wealthy Georgia family. He is assigned to Ft. Worth and sent on scouting missions to subdue the Indian trouble. It is on such a mission that he meets the Cooper family. One look at Lana and he knows that he must pursue her.
When Lana is captured by the Apache, both Liam and Two Hawks desperately try to rescue her before she is sold into slavery in Mexico. It is the only time that the two warriors ever agree on anything.
When her family sees that she desires Two Hawks, they fear for her well-being. In that day's social mores, to have her turn Kiowa means a death sentence; she can never return home. Two Hawks' way of life involves taking slaves, allowing more than one wife, holding a different faith, and living a different culture. Because of this, Lana allows her father to push her into a rushed marriage with Liam. However, Liam's family's lifestyle is no better and, in many ways, worse. Within Lana's hearing, they take the young officer to task for marrying so far beneath him.
Through adventure, captivity, betrayal, marriage, and death, these three lives intertwine as Lana tries to find her way between two men that she loves. Her choices cost them all.