DISCLAIMER:  The following unofficial case summaries are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

996010P.pdf   08/06/1999  Richard Glee Guess  v.  James Dean Keim
   U.S. Court of Appeals Case No:  99-6010
                          and No:  99-6013
   Western District of Missouri   
   Bankruptcy Appellate Panel. Creditors failed to show they 
   reasonably relied on debtor's representations in their 
   financial statement, and while the representations were 
   materially false, the debt would be discharged.