We have developed a linear two-dimensional kinetic theory, which is mo
tivated by recent results for the drift-kink instability. The theory p
redicts plasma instability for large values of ion-electron temperatur
e ratios. T-i/T-e, moderate drift speeds, and large ion-electron mass
ratios, m(i)/m(e), corresponding to conditions in the near-Earth regio
n of the magnetotail neutral sheet. The growth rate predicted by the t
heory is in good agreement with nonlinear plasma simulations (but the
mode structure is not), including linear growth rates obtained with an
implicit, electromagnetic simulation with realistic ion-electron mass
ratio.