                                                         United States Court of Appeals
                                                                  Fifth Circuit
                                                               F I L E D
                 IN THE UNITED STATES COURT OF APPEALS
                                                                 April 6, 2005
                         FOR THE FIFTH CIRCUIT
                                                           Charles R. Fulbruge III
                         ____________________                      Clerk

                             No. 04-40695
                         ____________________


In The Matter Of: KATHLEEN L SNYDER
               Debtor
_________________________________________________________________

KATHLEEN L SNYDER
               Appellee

     v.

STEPHEN J ZAYLER
               Appellant
_________________________________________________________________

           Appeal from the United States District Court
                 for the Eastern District of Texas
                        No. 6:03-CV-182-LED
_________________________________________________________________

Before KING, Chief Judge, and BARKSDALE and STEWART, Circuit
Judges.

PER CURIAM:*

     The judgment of the district court reversing the Memorandum of

Decision of the bankruptcy court entered February 18, 2003, is

affirmed for essentially the reasons set out in the district

court’s Memorandum and Order on Appeal entered April 27, 2004.

     AFFIRMED.




     *
       Pursuant to 5TH CIR. R. 47.5, the court has determined that
this opinion should not be published and is not precedent except
under the limited circumstances set forth in 5TH CIR. R. 47.5.4.
