Carole Hanson and Stevie Lake have been best friends ever since they met at Pine Hollow Stables. So when Lisa Atwood joins their ridinggroup, the girls aren't sure she's got what it takes. Lisa may be the smartest student in the classroom, but she's got a lot to learn when it comes to horses. . . .

Twelve-year-olds Carole Hanson and Stevie Lake have been best friends ever since they met at Pine Hollow stables. So when thirteen-year-old Lisa Atwood shows up for her first lesson dressed in fancy riding gear - and acting chummy with the snobbiest girl in town - the girls aren't sure she'll fit in. But Lisa soon shows herself to be a quick learner, and Carole and Stevie can't help but admire her natural riding talents. Soon the three girls are fast friends. They begin to make plans for the MTO, the long-awaited Mountain Trail Overnight campout for the students of Pine Hollow. There's just one problem: Stevie's parents won't pay for it unless she improves her grades...

Carole, Stevie, and Lisa, the three members of The Saddle Club, are totally devoted to horses—and to each other. But for Carole, it seems as if there's not much she can count on except riding and the friendship of The Saddle Club. Ever since her mother died, Carole has urged her dad to go out on dates. But now she's afraid that he's getting serious with a woman whom she isn't ready to think of as a stepmother. Meanwhile, Carole's getting the last thing she needs: unwanted attention from a boy. Scott will do anything—even muck out the stables—to get near her. And Stevie and Lisa aren't much help. They're busy modeling for a riding catalog—and finding out that modeling's not all it's cracked up to be!

Lisa love being a member of the Saddle Club. But lately, Stevie and Carole haven't had time for her or their friendship. And if she can'tconvince her friends that their club is just as important, she may have to find new members to replace them. . . .

WHEN MAX ANNOUNCES that Pine Hollow will begin its own Pony Club, Stevie, Carole, and Lisa are excited to know they’re about to become even more knowledgeable about horses. But spoiled Veronica is more focused on riding her new horse than learning how to take care of him. The Saddle Club won’t soon forget what happened with Veronica’s last horse, Cobalt. And when it looks like she’s headed for the same trouble again, the girls are quick to act—but are they already too late?

The Saddle Club is taking part in a big Pony Club rally being held at Pine Hollow. Riders from all the local Pony Clubs are there, including Stevie's boyfriend, Phil Marsten. For once Stevie and Phil aren't being too competitive so everyone is having a good time—until a thief spoils the fun by stealing $500 from the stable office. Veronica diAngelo says she saw Phil hanging around the office and acting suspiciously. And Phil did need money. But he'd never resort to theft, would he? Is Veronica up to something? Or is there a thief among the riders? It's up to the Saddle Club to find out and clear Phil's name.

Stevie, Carole, and Lisa are best friends and horse-crazy members of The Saddle Club. The three are looking forward to the combined-training event at Pine Hollow Stables, when all riders will compete in dressage, cross-country, and stadium jumping. It's a horse lover's dream! When snooty Veronica blames her bad performance on her horse, Garnet, and storms out of the ring, Carole follows, fearing Veronica's threat to give away her horse. But horse and rider have disappeared. Later, when Lisa finds a $10,000 ransom note in the stall, the possibility becomes all too clear: Garnet has been horsenapped! Who would have thought that The Saddle Club would ever feel sorry for Veronica? The girls resolve to catch the horsenappers and soon find themselves in a daring escape that puts all their horse-riding skills to the test.