Richard F------, called Dick, is an urban
rake who has spent months pursuing a prudish country girl, Maria. He cross-dresses to assume the persona of "Miss Polly", a disguise he finds easy and enjoyable throughout the book. He follows Maria to an isolated country inn, accompanied by a friend, Nancy, who acts as his maid. Maria is at the inn to attend her cousin's
lying-in (i.e., her late pregnancy, birth, and post-natal recovery). "Miss Polly" is also invited to the lying-in, where Dick is shocked by the women's sexually frank conversation, led by the midwife Mother Midnight. That evening, Maria invites "Miss Polly" to share her bed, a common practice for travellers of the same sex. Dick sees an ivory
dildo in Maria's belongings, revealing that she is more interested in sex she had seemed. "Miss Polly" suggests using the dildo together to pretend that Maria is having sex with Dick; he substitutes his own penis, which initially surprises but then delights Maria. In the morning, Maria destroys her dildo, preferring Dick's penis. However, she is worried because Nancy knows they had sex. Dick defends Nancy's character, telling the story of how she was seduced and abandoned, and then turned to sex work. Dick and Maria enjoy sex for a second night. More guests arrive at the inn, including Maria's cousin Fanny, who attracts Dick. Maria is called away to visit an ill relative elsewhere, and Fanny shares a bed with "Miss Polly" instead. Fanny asks for a massage of a sore spot on her thigh, which Dick takes as an excuse to
finger her. When Fanny realises he is a man, she immediately rejects him, but decides not to call for help so that her cousin Maria will not face a scandal for sharing his room for the past two nights. and a friend inflating
condoms prior to sex to test for holes, in an 1872 illustration. Dick's supply of condoms in
Mother Midnight assists him in keeping sex consequence-free. Dick resolves to talk Fanny into having sex. He reassures her that there is no risk of pregnancy, because he has
condoms. He puts one on. Fanny verbally protests, but he embraces and penetrates her, which ultimately inspires pleasure. They continue to have sex over the next two or three days. Meanwhile, Nancy notices an attractive housemaid, Sally, and wagers Dick that he can't resist having sex with her. Nancy invites Sally to share her bed; Dick takes Nancy's place, and they have sex. When Dick returns to Fanny's bed, she laughs at him for losing the bet, and reveals that she had taken Sally's place in a
bed trick. The next guests at the inn are a
Methodist preacher and a young
squire, both of whom pursue "Miss Polly". "Miss Polly" seduces both men into planning an assignation, allowing Dick and Nancy to trick the preacher into being locked in the
privy overnight, and to trick the squire into marrying Nancy. Nancy, the squire, and "Miss Polly" depart for London in good cheer. == Publication history ==