Set in the 1890s, a gritty racetrack romp about David Harum, a small-town banker who's betting it all on a happy ending. John Lennox, who works for David, falls in love with the independently wealthy Ann Madison. David aids their relationship by sending them off together in a carriage driven by a balky horse. When the horse won't budge, she gets to know John. He later proposes but tells Ann he won't marry her until he can support her on his own. She is furious and devises a scheme, which involves David and the horse, to make John rich.