MEMORANDUM OPINION AND ORDER
JERRY W. VENTERS, Bankruptcy Judge.
This adversary proceeding comes before the Court on The Heritage Bank of St. Joseph's (the "Bank") Complaint to Determine the Dischargeability of Debts under 11 U.S.C. § 523(a)(2)(B). The Court held a trial on this matter at the Buchanan County Courthouse in St. Joseph, Missouri, on November 8, 2001. At the close of the trial, the Court announced that it would take the matter under...
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