MEMORANDUM OPINION
JAMES J. BARTA, Bankruptcy Judge.
The matter being considered here is the adversary complaint of the Shelbina Mercantile Bank to determine the dischargeability of certain debts owed by Michael R. and Louis M. Durbin. The parties appeared in person and by counsel at the trial on January 13, 1986, and presented testimony, evidence, and oral argument upon the record. The trial was concluded on the same date and the matter submitted to the...
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