Former rodeo star Davy Colt traded his competition spurs for a PI license. But even after years away, he never stopped loving hometown sweetheart Carla Richmond. A robbery and hostage situation at the Lonesome bank leaves the loan officer injured and shattered. With the escaped culprit still at large, Davy will ransom his heart to the hilt to avert a deadly Christmas for Carla and their long-overdue reunion.