                                                         United States Court of Appeals
                                                                  Fifth Circuit
                                                               F I L E D
                 IN THE UNITED STATES COURT OF APPEALS
                                                                June 13, 2005
                         FOR THE FIFTH CIRCUIT
                         _____________________             Charles R. Fulbruge III
                                                                   Clerk
                              No. 04-20827
                         _____________________

RAY SMITH; DAVID BARLOW, Individually
and on behalf of all other persons in
the United States Similarly Situated,

                                            Plaintiffs - Appellants,

                                 versus

COUNTRYWIDE CREDIT INDUSTRIES INC.; ET AL.,

                                                           Defendants,

COUNTRYWIDE HOME LOANS INC.,
Individually, doing business as
America’s Wholesale Lender,

                                              Defendant-Appellee.
_________________________________________________________________

           Appeal from the United States District Court
            for the Southern District of Texas, Houston
                       USDC No. 4:02-CV-1989
_________________________________________________________________

Before JOLLY, HIGGINBOTHAM, and JONES, Circuit Judges.

PER CURIAM:*

     AFFIRMED.     See 5TH CIR. R. 47.6.




     *
      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this opinion should not be published and is not precedent except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.
