PROMISSORY NOTE
                                    INTEREST


        $_________________                      __________________



                FOR VALUE RECEIVED, I, We ________________________

        (Borrower), promise to pay to the order of _______________

        (Lender) the sum of ______________($         )Dollars,

        with interest at the rate of__________________(    %) percent per 

        annum.  

                This note shall be due on or before_______________.

                Signed this ______day of ______ 20__.



        ____________________________       ________________________
        Witness                                               (Seal)



                                                   Form 101