                 UNITED STATES COURT OF APPEALS
                      FOR THE FIFTH CIRCUIT


                      ____________________

                           No. 97-31310
                      _____________________



RUSTON A. ZELLER; THERESA ZELLER,

                               Plaintiffs-Appellants,

                               versus

UNUM LIFE INSURANCE COMPANY,

                               Defendant-Appellee.

                ________________________________

          Appeal from the United States District Court
              for the Eastern District of Louisiana
                          (96-CV-3514-C)
                _________________________________

                         October 7, 1998

Before REYNALDO G. GARZA, JONES and DeMOSS, Circuit Judges.

PER CURIAM:1

     The court has considered appellants’ position in light of

the briefs and pertinent portions of the record.     Having done so,

we find no reversible error of fact or law and affirm for

essentially the reasons stated by the district court.




     1
      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this opinion should not be published and is not precedent except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.
