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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