$ _______________________      ________________________________
                                   (City)           (State)


     FOR VALUE RECEIVED the undersigned jointly and severally
promise(s) to pay to the order of ______________________________
the principal sum of  __________________________________________
($ _________ ) Dollars together with interest thereon from date
at the rate of _________ (____%) percent per annum until
maturity, said principal and interest being payable monthly on
the _______ day of each and every month in lawful money of the
United States beginning on the ____ day of ___________ 19 _____,
in monthly installments of _______________________________ ($
_________), and continuing thereafter until _______________, or
until said principal and interest have been paid in full, at    
________________________________________, or at such other place
as the holder hereof may designate in writing from time to time.
     Each installment payment shall be credited first to the
interest then due, and the remainder to the principal.
     This Note with interest is secured by a mortgage on real
estate, of even date herewith, made by the maker hereof in favor
of said payee.
     Each maker and endorser severally waives demand, protest
and notice of maturity, non-payment or protest and all
requirements necessary to hold each of them liable as makers and
endorsers and, should litigation be necessary to enforce this
note, each maker and endorser waives trial by jury and consents
to the personal jurisdiction and venue of a court of subject
matter jurisdiction located in the State of ________________ and
County of ________________.
     Each maker and endorser further agrees, jointly and
severally, to pay all costs of collection, including a reasonable
attorney's fee in case the principal of this note or any payment
on the principal or any interest thereon is not paid at the
respective maturity thereof, or in case it becomes necessary to
protect the security hereof, whether suit be brought or not.
     This note is to be construed and enforced according to the
laws of the State of ______________; upon default in the payment
of principal and/or interest when due, the whole sum of
principal and interest remaining unpaid shall, at the option of
the holder, become immediately due and payable and it shall
accrue interest at the highest rate allowable by law from the
date of default. 

     Default shall include, but not be limited to non-payment
of any respective installment within ten (10) days from the due
date set out herein, or payment dates on three different
occasions for any installments which are in excess of five (5)
days subsequent to the due date therefor set out herein.
     Unless specifically disallowed by law, should litigation
arise hereunder, service of process therefor may be obtained
through certified mail, return receipt requested; the parties
hereto waiving any and all rights they may have to object to the
method by which service was perfected. 

_____________________________       ____________________________

_____________________________       ____________________________