PROMISSORY NOTE

$                                    ________________19__

__________after date (without grace) I promise to pay to
the order of ______________________________________________
Net_________________________________________________DOLLARS
for value received with interest of ___________ percent per
__________from __________________________   until paid both
principal and interest payable only in LAWFUL MONEY OF THE
UNITED STATES.

Payable at _____________________________________

No. ________ Due ____________    __________________________
                                         [signature]