PROMISSORY NOTE
                              [Demand]








     FOR VALUE RECEIVED, the undersigned jointly and severally
promise to pay to the order of _, the sum of _ [$_] Dollars,
together with interest of _% per annum on the unpaid
balance.  The entire unpaid principal and any accrued interest
shall be immediately payable UPON DEMAND of any holder of this
note.
     Upon default in making payment within _ days of demand,
the undersigned agree to pay all reasonable legal fees and
costs of collection to the extent permitted by state law. This
note shall take effect as a sealed instrument and be enforced
in accordance with the laws of the payee's state.








Dated: _






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