The White Lady — Grace Livingston Hill

If there was one thing Constance Wetherill couldn't accept, it was pity. So when her family fortune was lost she slipped away from town determined to start a new life rather than risk the sympathy of her wealthy socialite friends and admirers. Working for a living in a small town where she was a stranger brought unexpected rewards--not the least of them the earnest young minister who made her part of his flock. Until a man from her past tracked her down, and she was forced to choose between the new life she has built and the old luxuries she has always taken as her due.