PROMISSORY NOTE


$ ____________________             ______________________________
                                      (City)            (State)


                                   ______________________________
                                              (Date)


	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 _________________________________ dollars 
($________ ), 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.

        Each maker and endorser severally waives demand, protest 
and notice of maturity, non-payment or protest and all require-
ments 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, or, if no highest rate is 
otherwise indicated, at eighteen (18%) percent, 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 nonpayment on three different occasions 
of any installments within 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.




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Witness


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Witness