The Saddle Club girls learn that the course of true love never runs smoothly when their plans for a Valentine's Day barn dance at Pine Hollow Stables causes a big fight between Stevie and her boyfriend Phil, and their attempts to keep old Mr. Stowe from bothering Mrs. Reg turn out to be totally misguided.
Kate invites her friends from the Saddle Club and their parents to her family's dude ranch. None of the parents seem to take riding seriously until a terrible thunderstorm breaks out and the parents are caught in an arroyo in a flood.
Carole becomes curious about her family tree when she goes to visit relatives in Minnesota. She discovers a secret, and begins to question where she's come from.
When Stevie, Carole, and Lisa head out to the Bar None ranch to visit their friend Kate, Stevie decides to buy her own horse, but is it the right decision?.
Carole, Stevie and Lisa go on the Mountain Trail Overnight ride. They are having such a good time that a snobbish girl can't spoil their fun, until she causes a tragic accident.
Carole and Stevie are happy to find that Lisa, the new student at Pine Hollow Stables, shares their enthusiam for riding and horses and, as their friendship grows, the three girls decide to form the Saddle Club.
