MEMORANDUM OPINION
JOHN T. FLANNAGAN, Bankruptcy Judge.
The debtors, William Ernest Kobs ("Bill" or "Mr. Kobs") and Linda Ann Kobs ("Linda" or "Mrs. Kobs"), appear by their attorney, Steven L. Speth of Stinson, Lasswell & Wilson, Wichita, Kansas. Emprise Bank, N.A. ("Emprise Bank" or the "Bank"), appears by its attorney, Gary E. Patterson of Morris, Laing, Evans, Brock & Kennedy, Chartered, Wichita, Kansas.
On August 29, 1991, the...
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