- Thomas Luck
- The newborn child thought to be the savior of the camp
- Kentuck
- A rugged prospector who tries to save Thomas Luck's life in the flood
- Cherokee Sal
- Mother of Thomas Luck; only woman in camp
- Stumpy
- Guardian of Thomas Luck
- Oakhurst
- A gambler who gives Thomas Luck his name. (This may be the same character as the John Oakhurst of Harte's short story "The Outcasts of Poker Flat".)
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