Egbert Sousé becomes an unexpected hero when a bank robber falls over a bench he's occupying. Now considered brave, Egbert is given a job as a bank guard. Soon, he is approached by charlatan J. Frothingham Waterbury about buying shares in a mining company. Egbert persuades teller Og Oggilby to lend him bank money, to be returned when the scheme pays off. Unfortunately, bank inspector Snoopington then makes a surprise appearance.

While on her way by stagecoach to visit relatives out west, Flower Belle Lee is held up by a masked bandit who also takes the coach's shipment of gold. When he abducts Flower Belle and they arrive in town, Flower Belle is suspected of being in collusion with the bandit.