善良(liáng )老妇(fù )李桂(guì )花因(yīn )一念(niàn )之仁(rén ),救下(xià )即将(jiāng )产仔(zǎi )的金(jīn )壳河(hé )蚌。金(jīn )壳知(zhī )恩图报,不仅赐珠救活其老伴,更在其孤苦无依时,派儿子江生化作凡人陪伴左右,为她养老送终。祖孙俩以善行感化乡邻,齐心击退了贪图河神财富的恶霸。最终江生功成重返大江,一生向善的李桂花在村民敬(jìng )重中(zhōng )安享(xiǎng )晚年(nián ),高寿(shòu )善终(zhōng )。