OPINION
WOOD, Judge.
Victor F. Landrum (Landrum) had a checking account with Security National Bank of Roswell (Security). Landrum deposited checks into this account in February 1982. Landrum was not the payee of these checks. In August 1982, Security was informed that Landrum had forged endorsements on the checks deposited in February. "Forged Endorsement" affidavits were received by Security on August 27 and 30, 1982. Security put a "hold" on
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