MEMORANDUM OPINION and ORDER
HARRY F. BARNES, District Judge.
Before this Court is an appeal from the October 29, 2009, order of the United States Bankruptcy Court of the Western District of Arkansas. Appellant First State Bank of Crossett ("First State Bank") has filed its brief. (Doc. 5). Appellee Joe Ann Fowler has filed her brief. (Doc. 6). Appellant has filed a response. (Doc. 7). The matter is now ripe for the Court's consideration.
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