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For Such a Time as This, Christian Historical Romance, by Ginny Aiken

A marriage of convenience between a widowed banker and the strong woman of faith he hires as a nanny blossoms into more in this historical romance set in small-town Oregon in 1879.
Drought has forced farmers around the small town of Bountiful in the Hope region of Oregon to mortgage their property. Then word comes of plans for a spur line to run through the area and join the railroad in nearby Milton. Folks with money see an opportunity to fill their coffers by buying farmland cheap then selling to the railroad for a profit. The Bank of Bountiful, owned by Eli Whitman, appears to be doing that, as well.

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