Precious Jewels — Nancy J. Farrier

On a trip to the barn during a winter storm, Megan Riley stumbles over a nearly frozen man. She helps Jesse Coulter into the house and nurses the stranger back to health as she anticipates her parents' and brother's return from town. But several days pass before bad news arrives: The preacher and the banker come to tell Megan that her parents and brother are dead.

Megan is left with the care of her little sister and the repayment of a large family debt. Mr Sparks, the banker, offers to clear her obligation if Megan will become his wife - but she would rather be homeless than live with such an ungodly man. Soon, a proposal of marriage from Jesse surprises everyone - including himself, since he never believed God's calling on his life would include a wife and family.

Can he provide a home - and love? Just how does God intend to use Jesse's life?