Three horse crazy girls meet at riding lessons and become inseparable. Together they form The Saddle Club, dedicated to horses and looking after your friends/

When the Pine Hollow Stables go on an overnight mountain trail, Veronica's attracted to Phil, the property owner's son - but he only has eyes for Stevie. Veronica arranges to "get lost" so that Phil will rescue her, but her make-believe comes true.

When Phil and his Pony Club come to Pine Hollow to participate in a mystery weekend to raise funds, they discover there is a real thief in their midst and the Saddle Club set out to catch the culprit.

Lisa's first day at Pine Hollow Stables is a disaster. But when she ruins Veronica's plan to scare Stevie's horse, Lisa is befriended by Carole and Stevie and form the Saddle Club - vowing to remain horse crazy and promising to help others.

Carole's role as best junior rider at Pine Hollow is threatened with the arrival of Andrea Barry - and she has to make an important decision when an opportunity arises which would allow her to win the Dressage Competition.

Stevie and Carole vow to teach Lisa to canter, but she only conquers her fear when she has to canter for help to save her friends.

Stevie tracks down a legendary 'phantom horse' that has been roaming the countryside. She rescues the neglected mare, names her Belle and is going to keep her.

Kristi gets a "big head" when told she is a natural horse whisperer and is going to be part of a television show, but the Saddle Club and a horse make her see sense.

Carole comes to terms with her mother's death and the loss of Cobalt and she discovers Delilah is pregnant by Cobalt.

When Carole and Stevie's efforts awaken comatose Lisa, Pine Hollow is thrown into a frenzy to get Max and Deborah's wedding back on track.