Federal Deposit Insurance Corporation, an Instrumentality Ofthe United States, in Its Corporate Capacity and As Thesubrogee of the Rights of the Depositors of Fidelity Federalsavings and Loan Association, Plaintiff-appellant,andhoward International, Incorporated; Developmentfunding/highpointe, Incorporated, Plaintiffs, v. American Casualty Company of Reading, Pennsylvania, Inc.,defendant-appellee,andphilip A. Asplen, Jr., Executor for Gerard A. Heidrick, Jr.,deceased; Edmund A. Chrzanowski; Francis A.korwek; Kendall L. White; Richard M.smith, Defendants, 983 F.2d 1055 (4th Cir. 1993)