Reaching the rowboat, she took hold of and clung to it, drifting ashore with it.
The houseboat also was coming in.

Jane was shouting to her companion to hurry.

Harriet was doing the best she could under the circumstances, struggling with all her strength to right the rowboat.

By the time she had succeeded in doing so, the "Red Rover" was fairly on top of her.
"Steer out!" cried Harriet warningly.
"I can't steer in or out," flung back Jane.
Harriet began tugging at the rowboat to get it out of the way of the oncoming houseboat.

The former had grounded in the shallow water.