Shortly after the Civil War, while exploring the long deserted and reputedly haunted Sullivan's Island off Charleston S.C., a boy encounters two obsessed eccentrics living there. These men chase him away and warn him never to return or to tell anyone about them. Soon, however, they locate him and summon him back, because he has unknowingly given them a clue vital to their quest and they need his help to unravel the rest of the mystery. If he can do so, they will find buried pirate treasure and all become rich. But in joining the search, he falls under the same obsession and curse -- an ominous fate suggested by the unearthly electronic music which contributes to the film's atmosphere.

This film is made up of three segments that share no plot but have a general thematic relationship. In the first segment, Virginia and her three children are left by her shiftless husband and she is courted by an old beau who is now divorced. In the second, a divorced woman reacts to some unexpected revelations from her aged father. In the third, a childless, middle-aged social worker is swept into an affair with a young cab driver and finds herself pregnant.

A depressed woman, Barbara, is on the verge of suicide while a man she meets in a church and a married couple try to convince her that life is worth living.