Stevie Lake, Carole Hanson, and Lisa Atwood are the best of friends and charter members of the Saddle Club. But now the Saddle Club is in trouble! It seems Carole and Stevie are too busy with other things and Lisa is getting tired of being the only one at club meetings! Unless the threesome decides to stick together, there won't be any Saddle Club and no fun at Pine Hollow Stables.With the approaching gymkhana the girls pull together. They have waited for this event for so long! As the day draws near, Carole introduces the other girls to her new friend Kate Devine. Carole begins to teach Kate the basics of riding, only to find out that Kate is much more experienced than she's letting on - she's a champion rider! Could Kate become the fourth member of the Saddle Club? Plus, Stevie's brother Chad starts to ride at Pine Hollow and guess which member of the Saddle Club he has a crush on?