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