After years of fruitless prospecting, old Scissorbill Childers finally strikes it rich and decides to use his new-found wealth to open a bank to grubstake other prospectors who are searching for gold and silver. New found wealth always attracts criminals so Lofty has his hands full trying to thwart claim-jumpers and swindlers. To make matters worse, the government assayer determines that Childers' gold ore comes from the same claim as that of a murdered prospector.

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