Banking on a Song and a Prayer is the story of James Young, the last bank president that Hilliside National Bank will ever have. The family that has owned the bank for several generations has sold the company to a much larger financial organization. In addition to being a bank president in a small Iowa town, James is a part time farmer on the small acreage he lives. The sale of the bank may create greater opportunities for someone of James's wisdom and experience or could leave him in a dead end job. He has to consider his options. James is a dedicated Christian and his faith leads him to opportunities in his community to share his faith and help his local church. He also has attracted the attention of two very different women who would like to know James better and possibly develop a long term relationship. James has a deep faith in Christ thanks to a dedicated and loving mother. Her love for the old hymns has been kindled in James as he works through the many issues of faith, work, romantic relationships and personal desires.