1994 Ford Taurus Removing Timing chain cover

Engine Mechanical problem
1994 Ford Taurus 6 cyl Front Wheel Drive Automatic 160K miles

My project started as a water pump replacement. One of the four main studs is frozen in the block and will not budge. I opted to take the touch route to go thru the process of removing the timing chain cover to get a better shot at the frozen stud at the block. Using a Chilton, I believe that I have removed all of the fasteners holding the cover on. I have tried to remove the cover and all the movement I get is a gap that I can see at the top, which amounts to about 15 to 20 thousanths. I have even been able to apply pressure with a pry bar, but no go. The Chilton does caution not to overlook the bolt behind the oil filter adapter. Question: do they mean the cap screw or is there another screw which I cannot see? Question: since the hole for the four main studs are clearance holes, could that frozen stud have such a hold on the cover?