UNPUBLISHED

UNITED STATES COURT OF APPEALS
                FOR THE FOURTH CIRCUIT


UNITED STATES OF AMERICA, ex rel.      
Syed Rahman, M.D.,
                 Plaintiff-Appellee,
                and
SYED RAHMAN, M.D.; ONCOLOGY
ASSOCIATES, P.C.,
                       Plaintiffs,
                 v.
DOUGLAS COLKITT, M.D.; DERDEL
RIVERSIDE ONCOLOGY ASSOCIATES,
P.C.; DERDEL CHESAPEAKE ONCOLOGY
ASSOCIATES, P.C.; KEY WEST
ONCOLOGY ASSOCIATES, P.A.; TAMPA
ONCOLOGY ASSOCIATES, P.A.;
                                          No. 01-2386

COMMUNITY RADIATION THERAPY
ASSOCIATES, P.C.; JEFFERSON
RADIATION ONCOLOGY CENTER, LP;
ONCOLOGY SERVICES CORPORATION;
NIXON EQUIPMENT CORPORATION;
THOMAS JEFFERSON REAL ESTATE
CORPORATION; GEORGE WASHINGTON
REAL ESTATE CORPORATION; OAKTREE
CANCER CARE, INCORPORATED;
KEYSTONE ONCOLOGY, LLC;
ROSEWOOD CANCER CARE,
INCORPORATED,
              Defendants-Appellees,
                                       
2                     UNITED STATES v. COLKITT



DVI FINANCIAL SERVICES,                
INCORPORATED,
        Party in Interest-Appellant,
MERRILL COHEN, Chapter 7 Interim
Trustee of EquiMed, Incorporated,
              Intervenor-Defendant-
                          Appellee,
                and
JERRY DERDEL, M.D.; JOANNE
RUSSELL; ONCOLOGY FUNDING
CORPORATION; STONEBORO ONCOLOGY
ASSOCIATES, P.C.; WARREN
ONCOLOGY ASSOCIATES, P.C.;
PHOENIXVILLE ONCOLOGY ASSOCIATES,

                                       
P.C.; LITTLESTOWN ONCOLOGY
ASSOCIATES, P.C.; LEHIGHTON
ONCOLOGY ASSOCIATES, P.C.; EXTON
ONCOLOGY ASSOCIATES, P.C.; BUCKS
COUNTY ONCOLOGY ASSOCIATES, P.C.;
GREENBELT CANCER TREATMENT
CENTER, L.P.; ATLANTIC RADIATION
ONCOLOGY, L.L.C.; DERDEL
RANDALLSTOWN ONCOLOGY
ASSOCIATES, P.C.; DERDEL UNION
MEMORIAL ONCOLOGY ASSOCIATES,
P.C.; TREASURE COAST ONCOLOGY
ASSOCIATES, P.A.; LAUDERDALE
LAKES ONCOLOGY; ST. LAWRENCE
ONCOLOGY, P.C.; LIBERTY ONCOLOGY
ASSOCIATES, P.C.; KINGS PLAZA
RADIOLOGY, P.C.; SOUTHERN NEW
JERSEY CANCER TREATMENT;
                                       
                   UNITED STATES v. COLKITT   3


WILLIAMS COUNTY ONCOLOGY            
ASSOCIATES, P.C.; PARK ONCOLOGY
ASSOCIATES, P.C.; PARKS ONCOLOGY
ASSOCIATES, INCORPORATED; GREATER
HARRISBURG CANCER CENTER,
INCORPORATED; MGH CANCER
TREATMENT CENTER, L.P.; ONCOLOGY
SERVICES CORPORATION OF
LAWNWOOD; KEYS CANCER CENTER
LIMITED PARTNERSHIP; XCC,
INCORPORATED; GPCC,
INCORPORATED; IRCC, INCORPORATED;
KRTC, INCORPORATED; LVCC,
INCORPORATED; MGHCC,
INCORPORATED; MHCC,
INCORPORATED; MARYLAND GENERAL
CANCER CENTER, INCORPORATED; ST.
LUCIE COUNTY RADIATION ONCOLOGY,    
LIMITED; ONCOLOGY ASSOCIATES, PC
OF INDIANA; ONCOLOGY ASSOCIATES,
PC OF ALBEMARLE; ONCOLOGY
ASSOCIATES, PC OF LIFE CARE;
ONCOLOGY ASSOCIATES, PC OF
HERITAGE HILLS; DERDEL MARYLAND
GENERAL ONCOLOGY ASSOCIATES, PC;
KANKAKEE ONCOLOGY ASSOCIATES,
PC; ONCOLOGY ASSOCIATES, PC OF
PITTSBURGH; ONCOLOGY ASSOCIATES,
PC OF HARRISBURG; PLEASANT HILLS
ONCOLOGY ASSOCIATES, PC;
ONCOLOGY ASSOCIATES, PC OF
LEBANON; FLAGSTAFF ONCOLOGY
ASSOCIATES, PC; FORT PIERCE
ONCOLOGY ASSOCIATES, PC;
                                    
4                  UNITED STATES v. COLKITT


GREENWAY ONCOLOGY ASSOCIATES,       
PC; GREATER PITTSBURGH ONCOLOGY
ASSOCIATES, PC; NORTHWEST
RADIATION TREATMENT SERVICES,
INCORPORATED; MARLTON ONCOLOGY,
PC; RANDALLSTOWN ONCOLOGY
CENTER, INCORPORATED; WESTCHESTER
ONCOLOGY, PC; CHESAPEAKE
REGIONAL CANCER CENTER,
INCORPORATED; UNION MEMORIAL
ONCOLOGY CENTER, INCORPORATED;
CANCER CENTER OF NORTHERN
ARIZONA PARTNERSHIP; TRI STATE
ONCOLOGY ASSOCIATES,
INCORPORATED; SALISBURY RADIATION
ONCOLOGY CENTER, INCORPORATED;
HERITAGE HILLS MEDICAL, LP;
RIVERSIDE ONCOLOGY; MEDTREND        
HEALTH SYSTEMS, INCORPORATED;
BROWARD RADIATION THERAPY
CORPORATION; LAKE OKEECHOBEE
CANCER CENTER, INCORPORATED;
LAWNWOOD REGIONAL CANCER
CENTER, LP; ST. LAWRENCE
ONCOLOGY PC OF OGDENSBURG;
PMCB, INCORPORATED; ST.
LAWRENCE ONCOLOGY, PC OF
BROOKLYN; ONCOLOGY SERVICES
CORPORATION OF KEY WEST,
INCORPORATED; ONEONTA RADIATION
ONCOLOGY, PC; ONCOLOGY SERVICES
CORPORATION OF TAMPA,
INCORPORATED; GREENBELT CANCER
TREATMENT CENTER, L.P.; BILLING
                                    
                     UNITED STATES v. COLKITT   5


SERVICES, INCORPORATED; NATIONAL      
MEDICAL FINANCIAL SERVICES
CORPORATION; COLKITT ONCOLOGY
GROUP, INCORPORATED; SKYLINE
ONCOLOGY ASSOCIATES, P.C.;
MALONE ONCOLOGY ASSOCIATES,
P.C.; JMR MEDICAL ASSOCIATES,
P.C.; CAROLINA CANCER CARE, LLC;
SOUTHERN ONCOLOGY, P.A.; EASTERN
PENNSYLVANIA ONCOLOGY, LLC;
MASSACHUSETTS RADIATION
ONCOLOGY SERVICES, P.C.; CHESTER
COUNTY ONCOLOGY, LLC; FLORIDA
ONCOLOGY, P.A.; COASTAL
ONCOLOGY, LLC; ALBEMARLE
REGIONAL CANCER CENTER, LP;
KINGS PLAZA INCORPORATED,             
                        Defendants,
                v.
HIGHMARK, INCORPORATED, d/b/a Xact
Medicare Services; NORIDIAN
MUTUAL INSURANCE COMPANY, d/b/a
Blue Cross/Blue Shield of North
Dakota; AETNA INCORPORATED; BLUE
CROSS/BLUE SHIELD OF FLORIDA, INC.;
HEALTH CARE SERVICE CORPORATION,
A Mutual Legal Reserve Company;
TRAILBLAZER HEALTH ENTERPRISES,
INCORPORATED; BLUE CROSS & BLUE
SHIELD OF MARYLAND, INCORPORATED;
EMPIRE BLUE CROSS AND BLUE
SHIELD;
                                      
6                     UNITED STATES v. COLKITT


GROUP HEALTH INCORPORATED; BLUE         
CROSS/BLUE SHIELD OF WESTERN
NEW YORK, INCORPORATED; CIGNA
CORPORATION; CONNECTICUT GENERAL
LIFE INSURANCE COMPANY;
NATIONWIDE MUTUAL INSURANCE
COMPANY,
            Third Party Defendants,
STEADFAST INSURANCE COMPANY;
RELIANCE INSURANCE COMPANY;
HERBARD, LIMITED; JOHNSON &             
JOHNSON FINANCE CORPORATION;
MOBILE DIAGNOSTECH, INCORPORATED;
A. JEROME DIGIACOBBE, JR.; CALVIN
ZONTINE; TREATMENT CENTERS
LIMITED PARTNERSHIP; PFG CAPITAL
CORPORATION; REGIONAL MEDICAL
SERVICES, INCORPORATED,
                 Parties in Interest,
SOVEREIGN BANK,
                            Movant.
                                        
                      UNITED STATES v. COLKITT                 7



In Re: EQUIMED, INCORPORATED,           
a/k/a EquiVision, Incorporated,
                             Debtor.


MERRILL COHEN, Interim Trustee for
the Bankruptcy Estate of EquiMed,
Incorporated,
                  Plaintiff-Appellee,
                and
MOBILE DIAGNOSTECH, INCORPORATED;
A. JEROME DIGIACOBBE, JR.; CALVIN
ZONTINE,
                          Plaintiffs,
                 v.
DOUGLAS COLKITT, M.D.; GEORGE
KEISTER; PAUL CASTRO; EDWARD
                                                No. 01-2387
RUSSELL, JR.; DONALD GALLO; JUDE
SPAK; JEFFERSON RADIATION
ONCOLOGY CENTER, LP; OAKTREE
CANCER CARE, INCORPORATED;
KEYSTONE ONCOLOGY, LLC;
ROSEWOOD CANCER CARE,
INCORPORATED; MARCY L. COLKITT;
ONCOLOGY SERVICES CORPORATION;
DERDEL RIVERSIDE ONCOLOGY
ASSOCIATES, P.C.; DERDEL
CHESAPEAKE ONCOLOGY ASSOCIATES,
P.C.; KEY WEST ONCOLOGY
ASSOCIATES, P.A.; TAMPA ONCOLOGY
ASSOCIATES, P.A.; COMMUNITY
RADIATION THERAPY ASSOCIATES,
P.C.,
                                        
8                    UNITED STATES v. COLKITT



formerly known as Community           
Radiology Associates, P.C.;
SALISBURY ONCOLOGY ASSOCIATES,
P.C.; ALBEMARLE ONCOLOGY
ASSOCIATES, P.C.; OAKLANE
CANCER AND HEMATOLOGY CLINIC,
P.C.,
              Defendants-Appellees,
               and
JOANNE RUSSELL; LAWNWOOD
REGIONAL CANCER CENTER, LP; ST.
LUCIE COUNTY RADIATION ONCOLOGY,
LIMITED; ONCOLOGY ASSOCIATES, PC
OF HARRISBURG; ONCOLOGY
ASSOCIATES, PC OF INDIANA;
ONCOLOGY ASSOCIATES, PC OF
LEBANON; PLEASANT HILLS ONCOLOGY      
ASSOCIATES, PC; GREATER
PITTSBURGH ONCOLOGY ASSOCIATES,
PC; STONEBORO ONCOLOGY
ASSOCIATES, P.C.; PHOENIXVILLE
ONCOLOGY ASSOCIATES, P.C.;
LITTLESTOWN ONCOLOGY ASSOCIATES,
P.C.; LEHIGHTON ONCOLOGY
ASSOCIATES, P.C.; EXTON ONCOLOGY
ASSOCIATES, P.C.; BUCKS COUNTY
ONCOLOGY ASSOCIATES, P.C.; DERDEL
MGH ONCOLOGY ASSOCIATES, PC;
GREENWAY ONCOLOGY ASSOCIATES,
PC, a/k/a Greenway Oncology
Associates, P.A.; DERDEL
RANDALLSTOWN ONCOLOGY
ASSOCIATES, P.C.; DERDEL UNION
MEMORIAL ONCOLOGY ASSOCIATES,
                                      
                      UNITED STATES v. COLKITT   9



P.C.; FORT PIERCE ONCOLOGY             
ASSOCIATES, PC, a/k/a Fort Pierce
Oncology Associates, P.A.;
OKEECHOBEE ONCOLOGY ASSOCIATES,
P.A.; TREASURE COAST ONCOLOGY
ASSOCIATES, P.A.; LIBERTY
ONCOLOGY ASSOCIATES, P.C.,
formerly known as St. Lawrence
Oncology, P.C.; ONEONTA RADIATION
ONCOLOGY, PC; SKYLINE ONCOLOGY
ASSOCIATES, P.C.; MALONE
ONCOLOGY ASSOCIATES, P.C.;
MARLTON ONCOLOGY, PC; SOUTHERN
NEW JERSEY CANCER TREATMENT;
WILLIAMS COUNTY ONCOLOGY
ASSOCIATES, P.C.; TRI-STATE
                                       
ONCOLOGY ASSOCIATES,
INCORPORATED; FLAGSTAFF ONCOLOGY
ASSOCIATES, PC; KANKAKEE
ONCOLOGY ASSOCIATES, PC; HOLYOKE
ONCOLOGY ASSOCIATES, P.C.; JMR
MEDICAL ASSOCIATES, P.C.; CAROLINA
CANCER CARE, LLC; SOUTHERN
ONCOLOGY, P.A.; EASTERN
PENNSYLVANIA ONCOLOGY, LLC;
MASSACHUSETTS RADIATION
ONCOLOGY SERVICES, P.C.; CHESTER
COUNTY ONCOLOGY, LLC; FLORIDA
ONCOLOGY, P.A.; COASTAL
ONCOLOGY, LLC; COMPREHENSIVE
PHYSICS AND REGULATORY SERVICES,
LIMITED; JOHN DOES 1-25,
                         Defendants,
                 v.
                                       
10                     UNITED STATES v. COLKITT



NIXON EQUIPMENT CORPORATION,             
                 Movant-Appellee,
DVI FINANCIAL SERVICES,
INCORPORATED,
                Movant-Appellant,
THE PROVIDENT BANK,
         Party in Interest-Appellee,
                 and
UNITED STATES OF AMERICA;
RESPONSE ONCOLOGY, INCORPORATED;

                                         
STEADFAST INSURANCE COMPANY;
RELIANCE INSURANCE COMPANY (In
Rehabilitation); TREATMENT CENTERS
LIMITED PARTNERSHIP; PFG CAPITAL
CORPORATION; INDIANA HOSPITAL;
INDIANA HEALTHCARE, INCORPORATED;
INDIANA HEALTHCARE PROPERTIES,
INCORPORATED; HERBARD, LIMITED;
JOHNSON & JOHNSON FINANCE
CORPORATION; REGIONAL MEDICAL
SERVICES, INCORPORATED,
                  Parties in Interest,
SOVEREIGN BANK,
                             Movant.
                                         
                        UNITED STATES v. COLKITT                 11



In Re: NIXON EQUIPMENT                    
CORPORATION; GEORGE WASHINGTON
REAL ESTATE CORPORATION; THOMAS
JEFFERSON REAL ESTATE
CORPORATION,
                         Debtors.


DVI FINANCIAL SERVICES,
INCORPORATED,
               Claimant-Appellant,
                 v.
MERRILL COHEN,
                      Trustee-Appellee,
                 and                              No. 01-2388

EQUIMED, INCORPORATED,
                              Creditor,
                 v.
STEADFAST INSURANCE COMPANY;
RELIANCE INSURANCE COMPANY;
INDIANA HOSPITAL; INDIANA
HEALTHCARE, INCORPORATED; INDIANA
HEALTHCARE PROPERTIES,
INCORPORATED; TREATMENT CENTERS
LIMITED PARTNERSHIP; PFG CAPITAL
CORPORATION; UNITED STATES OF
AMERICA,
                 Parties in Interest.
                                          
12                     UNITED STATES v. COLKITT



In Re: EQUIMED, INCORPORATED,           
                           Debtor.


DOUGLAS COLKITT, M.D.,
                 Plaintiff-Appellee,
DVI FINANCIAL SERVICES,
INCORPORATED,
               Claimant-Appellant,
                 and
BILLING SERVICES, INCORPORATED, a

                                        
Delaware corporation; JOANNE
RUSSELL; JEROME DERDEL, M.D.,                     No. 01-2389
                          Plaintiffs,
                 v.
STEADFAST INSURANCE COMPANY, a
Delaware corporation; RELIANCE
INSURANCE COMPANY OF ILLINOIS, an
Illinois corporation,
                        Defendants,
                 and
MERRILL COHEN, Chapter 7 Trustee
of EquiMed, Incorporated,
                  Trustee-Appellee.
                                        
            Appeals from the United States District Court
              for the District of Maryland, at Baltimore.
             Alexander Harvey II, Senior District Judge.
     (CA-95-2241-H, CA-00-1216-H, BK-00-11147, AP-00-1180-8,
        CA-01-2676-H, BK-00-20825-PM, BK-00-20826-PM,
           BK-00-20827-PM, CA-01-3014-H, AP-00-1430)
                      UNITED STATES v. COLKITT                     13
                     Argued: January 21, 2003

                       Decided: April 2, 2003

Before WIDENER, WILKINSON, and NIEMEYER, Circuit Judges.



Affirmed by unpublished per curiam opinion.


                            COUNSEL

ARGUED: Andrew C. Kassner, DRINKER BIDDLE & REATH,
L.L.P., Philadelphia, Pennsylvania, for Appellant. Philip H. Lebowitz,
PEPPER HAMILTON, L.L.P., Philadelphia, Pennsylvania, for
Appellees. ON BRIEF: Leslie Gillin Bohner, Kirke D. Weaver,
DRINKER BIDDLE & REATH, L.L.P., Philadelphia, Pennsylvania,
for Appellant. Matthew R. Goldman, Wendy J. Gibson, BAKER &
HOSTETLER, L.L.P., Cleveland, Ohio; Richard A. Robinson,
BAKER & HOSTETLER, L.L.P., Orlando, Florida; Michael E.
Tucci, MORRISON & HECKER, L.L.P., Washington, D.C.; Robert
D. McCallum, Jr., Assistant Attorney General, Michael F. Hertz,
Polly A. Dammann, J. Christopher Cohn, Daniel A. Spiro, Frances M.
Toole, Commercial Litigation Branch, Civil Division, UNITED
STATES DEPARTMENT OF JUSTICE, Washington, D.C.; Thomas
M. DiBiagio, United States Attorney, Tamera L. Fine, Assistant
United States Attorney, Baltimore, Maryland; Robert Sanker, KEAT-
ING, MUETHING & KLEKAMP, P.L.L., Cincinnati, Ohio, for
Appellees.



Unpublished opinions are not binding precedent in this circuit. See
Local Rule 36(c).
14                    UNITED STATES v. COLKITT
                              OPINION

PER CURIAM:

   In this appeal, DVI Financial Services, Inc. challenges the district
court’s approval of a complex "global" settlement of several related
cases, essentially contending that the global settlement agreement
failed to recognize DVI’s security interests in assets that were dis-
posed of by the agreement.

   The cases covered by the global settlement agreement arose from
claims that Dr. Douglas Colkitt, Dr. Jerome Derdel, Colkitt’s wife,
and more than 80 healthcare entities (cancer centers and affiliated cor-
porations) owned, operated, or controlled by Colkitt engaged in a
fraudulent billing scheme, causing losses to the federal Medicare and
CHAMPUS programs in excess of $12 million. Drs. Colkitt and Der-
del were physicians specializing in radiation oncology.

   In one action involved in the settlement, the United States prose-
cuted claims against Colkitt, his partners, and his businesses, demand-
ing $86 million in treble damages and penalties.

   The principal business through which Colkitt operated, EquiMed,
Inc., was involuntarily placed into bankruptcy by its creditors, and a
trustee was appointed. The trustee commenced an adversary action
against many of the defendants named by the United States in its
action, seeking to recover for the EquiMed estate losses that were
allegedly caused by fraud, breach of contract, and other similar con-
duct.

   Following EquiMed’s bankruptcy, three subsidiaries of EquiMed
filed voluntary Chapter 11 proceedings, and those proceedings were
consolidated with the EquiMed bankruptcy.

   Contemporaneous with these proceedings, EquiMed and various
other related plaintiffs commenced actions against two insurance
companies, Steadfast Insurance Company and Reliance Insurance
Company, in State court in Pennsylvania, seeking coverage for some
of the losses sustained by EquiMed and other companies. Those cases
                      UNITED STATES v. COLKITT                       15
were removed to federal court and transferred to the District of Mary-
land for consideration in the bankruptcy of EquiMed.

   The parties to these various adversary actions negotiated a complex
settlement agreement that involved the creation of an estate in the
custody of the bankruptcy trustee, the sale of various properties of
EquiMed’s subsidiaries, the modification of related settlement agree-
ments entered into by some of the parties, and various releases.

   DVI, a creditor of EquiMed and some of its subsidiaries, objected
to the global settlement agreement, arguing that its security interest
in various of EquiMed’s assets were not recognized by the agreement.
DVI had provided equipment financing to EquiMed and its subsidia-
ries, and it secured its loans with a security agreement covering the
equipment and other assets of EquiMed including its accounts receiv-
able and contract rights. DVI asserted that its security agreement cov-
ered EquiMed’s interests in management services agreements under
which EquiMed operated the cancer centers in exchange for net prof-
its from those cancer centers. DVI also asserted that it had a security
interest in offset rights in promissory notes given by subsidiaries Key-
stone Oncology, LLC, Oaktree Cancer Care, Inc., and Rosewood
Cancer Care, Inc., all of which were surrendered as part of the settle-
ment agreement.

   The district court rejected DVI’s assertion of security interests in
both the management services agreements and the offset rights in the
surrendered notes. With respect to the management services agree-
ments, the court stated that the agreements could not be characterized
as "accounts receivable" or "contract rights," which were covered by
the security agreement. The court pointed to the fact that the Pennsyl-
vania Uniform Commercial Code, which governed the security agree-
ment, distinguishes "account" from "general intangible," defining
"account" (and "contract right") as "[a]ny right to payment for goods
sold or leased or for services rendered which is not evidenced by an
instrument or chattel paper, whether or not it has been earned by per-
formance," and defining "general intangible" as "[a]ny personal prop-
erty . . . other than goods, accounts, chattel paper, documents,
instruments, investment property and money." 13 Pa. Cons. Stat.
§ 9106; see also U.C.C. § 9-106 Official Comment (stating that the
term "contract right" is included in the definition of "account"). The
16                     UNITED STATES v. COLKITT
court determined that the relationship between EquiMed and the vari-
ous cancer centers to which it supplied management services was a
continuing undertaking rather than a simple contract between the par-
ties for the sale of services. On that basis, the court characterized the
agreements as general intangibles, and because Provident Bank, not
DVI, had the lien on EquiMed’s general intangibles, the court rejected
DVI’s claim to any value in the management service agreements and
any proceeds they contributed to the settlement.

   The district court also stated that even if DVI did hold an interest
in the management services agreements, that interest was likely extin-
guished prior to bankruptcy based on "convincing" evidence that the
agreements were terminated pre-petition. The court also recognized
that any valid interest of DVI in the agreements could not then attach
because, given the extensive network of relationships between the
various corporations owned and operated by Colkitt, settlement of the
adversary proceeding "cannot be characterized as being the recovery
of accounts receivable or contract rights" but rather "the bundle of
various intangible rights" related to the entire operating business of
the cancer centers. The court noted, as an example, that EquiMed’s
right to control the cancer centers derived not only from the manage-
ment services agreements but also from its option to purchase each
center for one dollar.

   With respect to DVI’s claimed interest in the proceeds contributed
to the settlement through the surrender by Keystone, Rosewood, and
Oaktree of their offset rights in the promissory notes, the district court
held that DVI had no lien on the proceeds because DVI had no secur-
ity interest in the rights themselves. The court also found that the
rights were surrendered in exchange for a release from Provident
Bank, the holder of the notes, rather than any release from the trustee
as to liability for fraudulent conveyance of assets subject to interests
claimed by DVI.

   DVI appealed the district court’s order approving the global settle-
ment agreement, asserting the same arguments that it did before the
district court.

  We have carefully reviewed the record and considered the argu-
ments of counsel made in their briefs and at oral argument. For the
                      UNITED STATES v. COLKITT                      17
reasons set forth in the district court’s opinion, see United States ex
rel. Rahman v. Oncology Associates, P.C., CA-95-2241-H, CA-00-
1216-H, BK-00-11147, AP-00-1180-8, CA-01-2676-H, BK-00-
20825-PM, BK-00-20826-PM, BK-00-20827-PM, CA-01-3014-H,
AP-00-1430 (D. Md. Nov. 1, 2001), we affirm the judgment of the
district court.

                                                          AFFIRMED