PROMISSORY NOTE-GUARANTY



               FOR VALUE RECEIVED, the undersigned jointly and severally 
        promise to pay to the order of_________________,the sum of______       
        ___________ ($         ) Dollars, with interest thereon at the rate 
        of_____ % per annum on the unpaid balance.

               Said sum shall be payable as follows:
               _______________________________________________
               _______________________________________________

               The undersigned shall have the right to prepay without 
        penalty.  In the event any payment due hereunder is not made 
        when due, the entire balance shall be immediately due and 
        payable at the option of the holder.

               In the event of default, the undersigned agree to pay all 
        reasonable attorney fees and costs of collection.

               Each maker, surety, guarantor or endorser of this note 
        waives presentation of payment, notice of non-payment, protest 
        and notice of protest and agrees to all extensions, renewals, or 
        release, discharge or exchange of any other party or collateral 
        without notice.

                                          

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                                    GUARANTY

               FOR VALUE RECEIVED, the undersigned do hereby guarantee 
        payment of the above note and agree to remain fully bound until 
        fully paid.



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                                                              Form 105

      

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