A family of six persons, including one infant and two young children, were pleasure cruising and crabbing in their 21' cabin motorboat.  Two month old infant and operator were not wearing PFDs, but the other passengers were.  While drifting and preparing to drop another crab pot, they noticed water in the forward cabin area.  The operator checked the bilge and found it full of water, with the boat taking on water rapidly.  The operator found that the bilge pump was either inoperable or incapable of keeping up with incoming water.  The operator attempted to start the engines, but both engines were swamped as the stern of the boat is submerged.  As stern submerges, the boat's bow raised up out of the water then capsized, sending everyone on board into the water.  

Responding law enforcement got everyone out of the water and transported them to the hospital due to exposure and possible hypothermia.  Investigating officer's report notes it was possibly, though not certain, that failure either the plug or a thru-hull fitting in combination with heavy weather contributed to this accident.
Everett                       