Gambler Barney Ingrams prize white stallion, Cloverdale III, is abducted by creditor Emmett Fallon, but his pick up breaks down on a school-bus route, and the horse runs off. Schoolkids Lucas Mitchell and Stephanie Ward believe it is Emmetts horse, find it and make a deal. Steph stables it with rich Madame Rene, as Lightning. Steph dreams of a riding career and trains Lightning. Meanwhile, Barneys gambling debts catch up.
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