In re William Frederick COLWELL and Ruby Colwell, Debtors.

                      William Frederick Colwell, Ruby Colwell, Plaintiffs-Appellees,

                                                      v.

                      Royal International Trading Corporation, Defendant-Appellant.

                                                No. 98-5626

                                          Non-Argument Calendar.

                                      United States Court of Appeals,

                                              Eleventh Circuit.

                                               Nov. 19, 1999.

Appeal from the United States District Court for the Southern District of Florida. (No. 97-8500-CIV-ASG),
Alan S. Gold, Judge.

Before ANDERSON, Chief Judge, DUBINA, Circuit Judge, and GODBOLD, Senior Circuit Judge.

        PER CURIAM:

        The Colwells jointly filed a Chapter 7 bankruptcy case. Although Florida law does not recognize

legal separations the Colwells had been separated for 31/2 years before filing the petition. Prior to the

bankruptcy petition each had acquired a separate home and had obtained a separate homestead exemption on

that home.

        Florida has chosen to opt out of federal exemptions and elected to apply its own. 11 U.S.C. §

522(b)(1); Fla. Stat. §§ 222.21 and 222.20; 3 Collier on Bankruptcy, § 522.08 at 522-44, n. 8a. The

Colwells asserted to the bankruptcy court that Article X, § 4 of the Florida constitution required that they be

granted separate homestead exemptions. Royal International excepted. In 1998 the bankruptcy court

sustained the exception, stating that it could find no case law to support dual homestead exemptions for

married individuals residing on two distinct, non-contiguous parcels of property. See In re Colwell, 

(Bankr.S.D.Fla.1997). The Colwells appealed to the United States District Court, S.D. Florida, which

reversed the bankruptcy court. Royal appealed to the Eleventh Circuit.
         Pursuant to Erie Railway the bankruptcy court must interpret and apply the Florida exemption law

in the same manner as a Florida state court. Florida state court decisions establish that as a matter of the

public policy of the state, giving a liberal construction as required, a homestead exemption can be established

to each of two people who are married but legitimately living apart in separate residences, if they otherwise

meet the requirements of the exception, and, by "legitimately" they mean that there is no fraudulent or

otherwise egregious act by the beneficiary of the exemption. Law v. Law, 

(Fla.App. 4th

Dist.1999); In re Englander, 

(11th Cir.1996) (closely analyzing Florida law and using Florida

state court cases to determine the applicability of the Florida homestead exemption); Myers v. Lehrer, 

, 866 (Fla.App. 4th Dist.1996); Public Health Trust of Dade County v. Lopez, 

, 948

(Fla.1988); Isaacson v. Isaacson, 

(Fla.App. 1st Dist.1987); see also Radin v. Radin, 

(Fla.App.3d Dist.1992). There is a presumption that the exemption applies. See Snyder v. Davis,

, 1002 (Fla.1997). The district court concluded that the living arrangements of the Colwells

were not shown to be the subject of fraud and that Royal had not brought forth evidence to overcome the

presumption favoring the exception. There was no error.

        AFFIRMED.




                                                      2