Wyman Smith, as trustee for the debtor., Ronald A. Fox, Montpelier, Vt., for Charles Crowell and Crowell England and Co., David Putter, Montpelier, Vt., for Elizabeth Gentile., James F. O’Neill, for Howard Bank, Administrator for the Sawyer Estate., Douglas J. Wolinsky, Burlington, Vt., for Committee of Unsecured Creditors., William B. Gray, Rutland, Vt., for Margaret Baird., Julian Goodrich, Gibson, Noble & Goodrich, Montpelier, Vt., for the debtor., E. Bruce Weber, Brattleboro, Vt., for Dr. Felix Sommer., Matthew Katz, Burlington, Vt., for the Merchants Bank., William Mikell, Burlington, Vt., William A. Fead, Montpelier, Vt., for Shareholders’ Committee., Hiram Hunn, Plainfield, Vt., for Cody Management Ass’n, Inc., John Primmer, St. Johnsbury, Vt., for Judy Walke, et al. as former trustees of the debtor., T.G. Hedges, pro se.