STATE OF MINNESOTA

IN COURT OF APPEALS

C8-02-563

C8-02-580

Midwest Family Mutual

Insurance Company,

Respondent (C8-02-563),

Depositors Insurance Company,

Respondent (C8-02-580),

vs.

Douglas Schmitt, et al.,

Defendants,

Tracy Olene,

Appellant.

Filed October 8, 2002

Affirmed

Hudson, Judge

Scott County District Court

File No. 200116149

Michael J. Tomsche, Bryan B. Carroll, Tomsche, Sonnesyn & Tomsche, P.A., 610 Ottawa Avenue North, Minneapolis, Minnesota 55422 (for respondent Midwest)

Robert E. Kuderer, Teresa M. Thompson, Johnson & Condon, P.A., Financial Plaza, 7235 Ohms Lane, Minneapolis, Minnesota 55439-2152 (for respondent Depositors)

James A. Terwedo, 111 South Broadway, Jordan, Minnesota 55352 (for defendants);

John P. Clifford, Meshbesher & Spence, Ltd., 8360 City Centre Drive, Suite 100, Woodbury, Minnesota 55125 (for appellant)