PROMISSORY NOTE - DEMAND
                           Joint and Several Liability




                FOR VALUE RECEIVED, I, We __________________, the 
        
        undersigned Borrower, jointly and severally promise to pay to 
        
        _______________________ Lender or order the sum of ______________ 
        
        ($____________) Dollars, together with interest thereon at 
        
        the rate of ________ percent (____%) per annum.  The entire 
        
        unpaid principal and accrued interest thereon, if any, shall 
        
        become immediately due and payable on demand by the holder 
        
        hereof.

                This Note may be prepaid in whole or in part at any time 
        
        without premium or penalty.  All prepayments shall be applied 
        
        first to interest, then to principal payments in the order of 
        
        their maturity.

                The undersigned agrees to pay all costs and expenses, 
        
        including all reasonable attorneys' fees, for the collection of 
        
        this Note upon default.  All payments shall be made at _________
        
        _______________________, or at such other place as the holder 
        
        hereof may from time to time designate in writing.




        ______________________________   _______________________________
        Witness                          Borrower



                                         _______________________________
       Dated:                            Borrower
                                                        Form 104



      


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