MEMORANDUM OPINION
TERRENCE L. MICHAEL, Bankruptcy Judge.
THIS MATTER came on for trial on May 16, 2002. Plaintiff Bank of Commerce ("Bank") appeared through its attorney, Harlan S. Pinkerton, Jr. Defendant Vernon Curtis Smith ("Dr. Smith") appeared personally and through his attorney, Gary A. McDonald. At trial, the Court received evidence and heard argument from the parties. The Court also considered the statement of admitted facts contained in...
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