Colorado, 1887. Dessa Caldwell has a dream: to open a refuge for former prostitutes in Denver's roughest neighborhood. But after exhausting all charitable donations, Dessa still needs a loan, and nearly every bank in town has turned her down. Her last hope is the Hawkins National Bank. Henry Hawkins has a secret: his initial capital for the most successful bank in town came from three raids on Wells Fargo coaches. To protect his past, the most eligible bachelor in Denver maintains a fortress around his heart. Then Dessa ventures into the bank ...