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Zach Shepard is excited to find he's been hired as president of a bank. When he finally arrives in Hobart, Ore., he discovers to his dismay that the bank is actually a sperm bank. There he meets the cold Dr. Grace Murdoch, the scientist in charge, whose disregard for him seems to mask romantic intentions. Meanwhile, in order to save the business, the sperm bank holds a fundraiser to find the man with the highest sperm count.

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A determined, self-made woman hires a down and out ex-cop to help her retrieve the money her unfaithful husband has disappeared with, but soon finds she is not the only one he has deceived.