There was this one film where I recall it being a young girl and guy that discovered gold in this old mountain. They took a boat to this cave and nearly drowned, however they ended up trapped and eventually traveled through the cave and found gold.

Anyone know the name of this film?

It was two girls but it sounds like: Gold Diggers: The Secret of Bear Mountain (1995) (http://www.imdb.com/title/tt0113188/)