OPINION
CECELIA H. GOETZ, Bankruptcy Judge:
Manufacturers Hanover Trust Co. ("Manufacturers") and Citibank (South Dakota) N.A. ("Citibank") have each sued Wilson Pannell, a Chapter 7 debtor, to have certain of his debts declared nondischargeable under 11 U.S.C. § 523(a)(2)(A) on the ground that they were the result of fraud, false pretenses, and false representations. The actions were consolidated for trial. Trial was had on September 14, 1982 and October...
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