The debtor filed a motion for valuation with respect to certain real and personal property securing certain loans made to them by Grayson National Bank.  Grayson National also objected to confirmation of the proposed chapter 13 plan.  In determining the values, the Court noted that the replacement value of such property is the rule, and that means what it might reasonably be expected to cost someone to purchase the same or similar property in the market place, as of the filing date.