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IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND ELWOOD DEAN FRENCH : (Appellant) : v : CIVIL NO. RDB 05-376 PENINSULA BANK : (Appellee) : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : :: : : : : : : : : : : : : : : : : : : IN RE : ELWOOD DEAN FRENCH : (Debtor) : BANKRUKPTCY CASE NO. 01-5-6579-JS : (Chapter 7) : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : :: : : : : : : : : : : : : : : : : : : PENINSULA BANK : (Plaintiff) : v. : BANKRUPTCY ADV. NO. 01-5201-JS ELWOOD DEAN FRENCH : (Defendant) : MEMORANDUM OPINION This case is before this Court on appeal from the Order of United States Bankruptcy Judge James F. Schneider granting the motion for summary judgment of the appellee Peninsula Bank ("Peninsula") and denying the appellant-debtor Elwood Dean French ("French") a discharge in bankruptcy. Judge Schneider found that French had failed to maintain financial records and that he was therefore not entitled to a discharge pursuant to Section 727(a)(3) of the Bankruptcy Code as a matter of law. Secondarily, Judge Schneider found that French had made a series of false oaths in connection with the bankruptcy proceedings and that as a result he was therefore not entitled to a discharge pursuant to Section 727(a)(4)(A). This Court has jurisdiction over this matter pursuant to 28 U.S.C.

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