                                                       United States Court of Appeals
                                                                Fifth Circuit
                                                              F I L E D
              IN THE UNITED STATES COURT OF APPEALS
                                                               June 20, 2003
                      FOR THE FIFTH CIRCUIT
                      _____________________                Charles R. Fulbruge III
                                                                   Clerk
                          No. 02-60711
                      _____________________

NATHANIEL HENLEY; EMMA MOORE; FRANKIE MOORE,
                                           Plaintiffs-Appellants,

                             versus

PIONEER CREDIT COMPANY; ET AL,

                                                           Defendants,

PIONEER CREDIT COMPANY; ROBIN L. PENNINGTON, in her
individual capacity; FREDA WEEKS, in her individual
capacity; AMERICAN RELIABLE INSURANCE COMPANY; VOYAGER
LIFE INSURANCE COMPANY,

                                                Defendants-Appellees
                      _____________________

                          No. 02-60809
                      _____________________

NATHANIEL HENLEY; EMMA MOORE; FRANKIE MOORE,
                                           Plaintiffs-Appellants,

                             versus

PIONEER CREDIT COMPANY; ET AL,
                                              Defendants
AMERICAN RELIABLE INSURANCE COMPANY;
VOYAGER LIFE INSURANCE COMPANY
                                              Defendants-Appellees.

_________________________________________________________________

          Appeals from the United States District Court
            for the Northern District of Mississippi
           USDC Nos. 1:01-CV-349-DD and 1:01-CV-453-DD
_________________________________________________________________

Before JOLLY, HIGGINBOTHAM, and DAVIS, Circuit Judges.
PER CURIAM:*

     Nathaniel Henley, Emma Moore, and Frankie Lee Moore appeal

the district court’s order compelling arbitration of their claims

against Pioneer Credit Company and the district court’s grant of

summary judgment on the merits in favor of American Reliable Life

Insurance Company and Voyager Life Insurance Company.   For the

essentially the reasons given by the district court, the judgment

of the district court is

                                                        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.
