The Heart's Haven by Jill Barnett

In an age of clipper ships and gold fever, theirs was an adventure of fire and passion.
When Hallie Fredriksen's father was lost at sea, she was shocked to discover that he had named Kit Howland to be her guardian. Three short years ago, Hallie had blushed with a girl's infatuation for the handsome San Francisco whaling agent. Now, his kisses thrilled the blonde beauty, and his tenderness awakened a wondering need. But Kit had been cruelly betrayed in love...and did not trust his feelings for this impulsive woman who could lift his spirits with her laughter, and fill him with desire. And Hallie refused to bow to an infuriating man who would insist on treating her like a helpless child. Then chance made them husband and wife, and bound them in a battle of wills -- and longing. Amidst danger and treachcry they sealed their devotion. But only when they shared the the tender secrets of their hearts would they revel in the glorious love that would be theirs forever!