MEMORANDUM AND ORDER
CROW, District Judge.
The case comes before this court on appeal of a bankruptcy court's memorandum of decision filed December 30, 1985 (case no. 86-1016), and a journal entry filed January 10, 1986 (case no. 86-1024). The court has consolidated these appeals as they involve identical issues. The debtors/plaintiffs, Russell and Rebecca Bird (Birds), commenced an adversary proceeding against Plains State Bank (Bank) to determine, inter...
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