Dr. Bob and Mary Terrell found their dream home on Back Bay Biloxi at Point Ascot three years ago, but not for long.
   "Hurricane Katrina took everything," said Mary Terrell. "The storm left the slab as clean as a whistle."
   They enjoyed their 3,200-square-foot home that was on pilings at 15201 Branigar Drive in the St. Martin community.
   "The view was beautiful, straight across the bay to the bridge with all the reflection of lights from the casinos," she said. "It was great for having friends over for a cookout."
   The home had a wraparound porch, with an Acadian look, but the 17-foot elevation was no match for Katrina. The Terrells lost family photographs and personal items, like their older daughter's wedding dress.
   "But it is hard to feel sorry for yourself because so many families are in the same boat or even worse," she said.
   The family came here from Oklahoma to enjoy the water and take full advantage of the Coast, and they did, including their pool. Their 16-year-old daughter, Cathy, particularly enjoyed Jet Skiing and other water sports on the bay.
   The Terrells have sold that waterfront property and are rebuilding in Gulf Hills, not as close to open water.
   "We hope to get in by midsummer," she said.
   They will have a canal at the new home.
   Dr. Terrell is in sports medicine at Bienville Orthopaedic Specialists. Six of the physicians lost their homes to the storm.