After four years following the rails as the Union Pacific Railroad was built, Fancy moves to Virginia City to take on the Comstock Lode. After she builds a hotel, restaurant and saloon, she decides to invite her banker friend Bob Gentry to join her in building a bank. Her father Tom Greene and her manager and good friend Jake Thompson both know Gentry is in love with Fancy. They're both pretty sure she loves him, too, but she can't see it. She insists they're just friends. Finally, she discovers she herself has been standing in the way of her own happiness. She realizes all of a sudden that she is in love with Gentry and has been for a long time.