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IN RE GALIZIA

Bankruptcy No. 88-1292, Adv. No. 88-0572.

108 B.R. 63 (1989)

In re Steven M. GALIZIA, Debtor. FIRST SENECA BANK, Plaintiff, v. Steven M. GALIZIA, Defendant.

United States Bankruptcy Court, W.D. Pennsylvania.

September 15, 1989.

Attorney(s) appearing for the Case

Norman J. Barilla, New Castle, Pa., for debtor/defendant.

Richard J. Parks, Davis Reilly, P.C., New Castle, Pa., for plaintiff.

MEMORANDUM OPINION

BERNARD MARKOVITZ, Bankruptcy Judge.

Plaintiff First Seneca Bank ("Seneca") has brought this adversary action pursuant to 11 U.S.C. § 523(a), in which it seeks to have a debt owed to it by Debtor/Defendant Steven M. Galizia ("Galizia") declared nondischargeable.

Seneca maintains that it loaned $48,000.00 to Galizia in reliance upon a materially false financial statement executed with

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