Drought has forced farmers around the small town of Bountiful in the Hope region of Oregon to mortgage their property. Then word comes of plans for a spur line to run through the area and join the railroad in nearby Milton. Folks with money see an opportunity to fill their coffers by buying farmland cheap then selling to the railroad for a profit. The Bank of Bountiful, owned by Eli Whitman, appears to be doing that, as well.
