I don't think there was a bear.. an invisible horse, though. It was a Hanna-Barbera cartoon and released in 1979. The old prospector is a ghost. The girls work for a ranch owner and the ghost is helpful to the girls and harasses the grumpy owner.
BUFORD AND THE GALLOPING GHOST (I Googled; sue me.)
Having a problem with picture.
This was a Hanna-Barbera cartoon, prime time, about football players.