I ran across this on cable a couple years ago and I only saw a little of it but it has stuck with me and I'd like to find out what it was. What I (think I) remember:
Starring Kirsten Dunst or Julia Stiles
Set in the late 1800s among plantation owning families.
One scene had one of the actresses above and her "lover to be" attempting to have sex before her father returns home but they don't accomplish their goal because of the many complicated layers of clothing the girl is wearing.