What movie is this? Softcore

It played on The Movie Channel YEARS ago.

I remember the opening scene:

Guys were playing poker and it was smoky and a girl walks in and takes off her panties and puts them on the table and says "you aren't playing for the panties" so they guy that wins goes off into the room with her and ......

Another scene has her on a couch playing with herself thinking of showering with this guy.

Any ideas?