                    UNITED STATES COURT OF APPEALS
                         FOR THE FIFTH CIRCUIT
                        ______________________

                             No. 00-11209
                        ______________________

         JAMES H. CARNEY; JAMES R. FISHER, also known as Bill,

                                            Plaintiffs - Appellants,

                                 versus

 FIRST COMMUNITY BANK OF AMERICA, also known as Bayside Federal
                   Savings & Loan Association,

                                             Defendant - Appellee.
__________________________________________________________________

           Appeal from the United States District Court
                for the Northern District of Texas
                         (3:99-CV-2259-P)
___________________________________________________________________
                               October 15, 2001

Before BARKSDALE and STEWART, Circuit Judges, and DUVAL, District

Judge1.

PER CURIAM:2

     AFFIRMED.     See 5TH CIR. R. 47.6.




     1
      District Judge of the Eastern District of Louisiana, sitting by
designation.
     2
      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opinion should not be published and is not precedent except under the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.
