Michael H. Ditton appeals from the district court’s order affirming the bankruptcy court’s orders granting summary judgment in favor of the Defendants in this adversary proceeding. We have reviewed the record and the opinions below and find no reversible error. Accordingly, we affirm on the reasoning of the district court. See Ditton v. Bank of America, Nos. CA-99-1745-A; BK-98-10301 (E.D.Va. Feb. 29, 2000). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before the court and argument would not aid the decisional process.

AFFIRMED.