ORDER ON MOTIONS FOR SUMMARY JUDGMENT
DONALD E. CALHOUN, Jr., Bankruptcy Judge.
The matters before the Court are the Motions for Summary Judgment filed by Plaintiff, Myron N. Terlecky, the Chapter 7 Trustee for Debtors Larry J. and Jody A. Godwin ("Plaintiff"), Defendant American Community Bank, N.A., ("Americom") and Defendant Citizens Federal Savings and Loan ("Citizens").
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