Kyle Malory, champion bull rider, falls on his butt in the ring, to be pulled to his feet by a rodeo clown with a beautiful face.
He recognizes Anna Lawler, the local vet, who has moved back to Riverbend to take over the large-animal practice. Kyle has witnessed huge bulls and mean cowboys back down from the petite young woman.
Kyle's fall injures him enough to take him out of the running for the season. The only fun he has convalescing is calling Anna to come an look after the animals-any animal-on the Malory ranch. He and Anna clash over everything, but Kyle can't seem to resist her.
Anna worries about her growing attraction to Kyle, who has plenty of beautiful women throwing themselves at his feet.
But when Kyle sends her a challenging bet, the forfeit being a night out with him, with the works, Anna isn't sure whether she hopes to win or lose ...