14 B.R. 335 (1981) In re Hershel L. COWSERT and Catherine A. Cowsert, Debtors. ELGIN STATE BANK, Plaintiff, v. Hershel L. COWSERT, Catherine A. Cowsert and Herbert Freehling, Trustee, Defendants. Bankruptcy No. 81-00056-BKC-JAG, Adv. No. 81-0089-BKC-JAG-A. United States Bankruptcy Court, S.D. Florida. August 14, 1981. *336 Allen M. Anderson, South Elgin, Ill., Neil J. Berman, Miami, Fla., Schaffner & Castillo, Elgin, Ill., for plaintiff. Gerry L. Dondanville, Pompano Beach, Fla., for debtors. Reg..