                    UNITED STATES COURT OF APPEALS

                         FOR THE FIFTH CIRCUIT


                          __________________

                             No. 95-10822
                          __________________

     IN THE MATTER OF:    JACK COLE,

                                         Debtor.

     JACK COLE,

                                          Appellant,

                                versus

     RAY PAYNE; DIANE PAYNE,

                                          Appellees.

            ______________________________________________

         Appeal from the United States District Court for the
                      Northern District of Texas
                           (3:94-CV-2013-R)
            ______________________________________________

                             April 9, 1996


Before REAVLEY, GARWOOD and JOLLY, Circuit Judges.

PER CURIAM:*

     This Court accepts jurisdiction under the rationale of Matter

of Cajun Electric Power Coop., Inc., 69 F.3d 746 (5th Cir. 1995),

but, after considering the briefs, arguments, and relevant portions

of the record, this Court affirms the district court’s judgment

essentially for the reasons given by that court.



     *
      Pursuant to Local Rule 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this opinion should not be published and is not precedent except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 Local Rule 47.5.4.
    AFFIRMED




2
