USCA1 Opinion

                         [NOT FOR PUBLICATION]



                    UNITED STATES COURT OF APPEALS

                         FOR THE FIRST CIRCUIT

                         ____________________





No. 97-1504





                    NORMA ELLIS AND RICHARD ELLIS,



                        Plaintiffs, Appellants,



                                  v.



           QUINCY SAVINGS BANK, A/K/A CITIZENS BANK, ET AL.,



                        Defendants, Appellees.

                                         



                             MARTIN HODAS,

                         Plaintiff, Appellee.



                         ____________________





             APPEAL FROM THE UNITED STATES DISTRICT COURT



                   FOR THE DISTRICT OF NEW HAMPSHIRE



             [Hon. Paul J. Barbadoro, U.S. District Judge]



                         ____________________



                                Before



                        Torruella, Chief Judge,

                   Selya and Stahl, Circuit Judges.



                         ____________________



    Norma Ellis and Richard Ellis on brief pro se.

    Peter D. Anderson on brief for appellees, Quincy Savings Bank, a/k/a

Citizens Bank, Excel Bancorp, Inc. and Lincoln Trust Company, Inc.

    Martin Hodas on brief pro se.



                         ____________________

                           March 18, 1998

                         ____________________



           Per Curiam.  We have carefully reviewed the record

    and the parties' briefs on appeal and affirm the judgments of

    the district court for essentially the reasons stated in that

    court's Orders, dated January 8, 1996 and March 25, 1997.  SeeLocal Rule 27.1.

             Affirmed.