Forgot to mention! Each character starts with 100 hit points.

Okay let the battle begin!
Croc HP: 100
Roll to hit: 13 (Solid hit, but not a critical)
Roll to damage: 20 - 2 armor = 18 severe damage!

Croc swam upward until just his forehead and eyes were exposed above the line of murky water and looked around. His target was still nowhere in sight.

He was used to taking jobs for money, but this was the kind of deal that would set him up for the rest of his life. The man dressed in black had made everything very simple for him to understand: Kill some blonde girl in a fight to the death, and he would be set up with enough money to last him the rest of his life on any planet he chose. The man said there would even be bonuses depending on just how savage he was during the fight. It seemed like a very good deal, and he agreed immediately.

Now he floated quietly in a swamp on some far-off planet; he literally had no idea where in the universe he was, but he knew one thing, he was in his element.

Croc didn't have to wait long before he spotted his prey. She was tiny; possibly only five feet tall, and probably no more than 100 lbs. Croc smiled, this was going to be the easiest money he ever made. He watched her walk carefully across one of the solid pieces of land that crisscrossed the swamp, a huge silver gun held ready in one hand, and a second gun holstered behind her back. She looked like she was in some sort of military uniform, but crock had never seen a military uniform that included such a tiny mini-skirt. He was fairly certain he had caught a glimpse of her little white panties as she walked closer to where he was hidden. He licked his lips and waited, soon her back would be turned.

As Noel walked past, Croc slithered his way out of the water. For a person of his tremendous size, one thing he was very good at was sneaking up on his prey. Behind Noel he rose up to his full height, dwarfing the tiny girl. Noel gasped and spun around as she caught sight of the huge shadow looming over her. Gun in hand she turned, ready to fire. Croc had the element of surprise however, and as Noel turned he grabbed the barrel of her gun in one hand and her arm in the other. With a snap, his huge jaws closed tight around her wrist and gun-hand. Noel fired off two shots that never came close to hitting the beast, and frantically tried to rip her hand free of his mouth. With a crunch Croc's teeth bit through flesh and bone, and he was able to yank the revolver free of the girl's ruined hand and toss it out into the swamp.

Noel stumbled back clutching her right hand. Blood spurted from the wound in long streams, perfectly timed with her heart beat. Crock smiled as blood dripped down his chin and he began to chew, he rolled the bits of flesh and bone around inside his mouth, savoring the flavor and texture, her flesh tasted different than a normal humans, but he was sure of one thing, he had taken off at least three of her fingers and a good size piece of her palm. This was going to be easier than he thought.

He followed after the girl as she backed away, ready to finish her off.