MEMORANDUM OPINION
ROBERT F. HERSHNER, JR., Chief Bankruptcy Judge.
Arthur W. Howard, Plaintiff, filed on June 28, 2006, a motion for summary judgement. The Citizens Bank of Cochran, Defendant, (the "Bank") filed on June 30, 2006, a motion for summary judgment. Herbert Davis, Defendant, ("Mr. Davis") filed on July 18, 2006, a motion for sum
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