White Horse In Winter by Franci McMahon

'Montana rancher Becky Miles (who decidedly drops the Becky part) is drawn into the snake pit of internalized homophobia when she travels to Vermont to find out if her gal, Jane Scott, still loves her. Jane's life is enmeshed by old guilt and compassion for Georgia, whose horse training business is tarnished by a tragic death in her barn. Miles has little patience for Georgia, a closeted lesbian who is desperate to pass among the upper crust of the horse show world. Neither Jane nor Miles has any idea, at first, just how desperate Georgia is to pass in the straight world'--Publisher's description.