Tom Campbell joined the US army after breaking up with Chelsea, who meanwhile became mayor of his coastal California home town. Tom returns to the town to run his grandmother's B&B "Cupid's" while she's in hospital, hoping to become a professional bodyguard afterward with his army buddy Steve. However, his grandmother dies. Saving her legacy proves a nightmare, as she delayed crucial repairs and has enormous tax arrears. The regional tycoon's ambitious son Jerry, Chelsea's fiancé, bids on the B&B because he knows about a planned road which would make it a perfect mall location. Tom falls in love with the local girl, who is about to succeed his kinsman Kip Caldwell as chief of police.
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