Her idea of paradise is a country farmhouse with lots of kids and a dog. All he wants is his ranch, his horses—and to be left alone.

When the Denver bank Bailey Chancellor works for transfers her to the small mountain town of Ferguson, Colorado, she eagerly accepts. Now she can have a country home, and maybe the children she's always wanted.

The townspeople view Bailey as tough because of her banking policies, but neighbor Trent Murdock sees a softer side, and he can't help responding. Up to a point, that is. Trent lost his little girl, Sarah, a year before Bailey moved to town. Then his marriage fell apart. The last thing he wants is to feel vulnerable again.

How does a city girl with a country heart get astubborn cowboy to love her?