Banking on a Song and a Prayer is the story of James Young, the President of Hillside National Bank. When the bank is sold to a much larger financial institution, James has to work through the process of selling the bank while learning what the new company will have for him. Meanwhile, two very different women would like to know James better. James, a dedicated Christian, has a lot to deal with as he also helps the community and coworkers work through the changes that life hands them while seeking God's will for his own life. James has a love of the old hymns of the church and an understanding of the power of prayer. He comes to understand just how much grace God gives to those who have faith.