Clearwater is an action novel set in 1879. The story revolves around the exploits of a small town in the Indian Territory. Its small bank is robbed by a murderer who has just escaped execution. He kills three men in the process of escaping and robbing. In his escape, he almost burns the town down. The town springs in to action and quickly forms a posse consisting of the aged sheriff, a retired Pinkerton Operative, Indian scout, and the bank's president. The president wants to catch the robber so that he can cover his tracks of embezzling the bank's funds. The posse's quarry rides south and forms another gang. More trouble looms on the horizon, for the bank examiner tells the sheriff of his findings. The president of the sole bank has embezzled all of the town's funds and the town will soon go under! That is unless a savior for the town's financial woes is found. He tells the sheriff of a group of men back East that might help them. When the killer and his gang return to town for further reward, things start to heat up...