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                                PROMISSORY NOTE - BALLOON

        $________________________                ______________________

 
                                                 _________________,19__

  
                FOR VALUE RECEIVED, I, We, the undersigned ____________,

       (Borrower) promises to pay to __________________(Lender) the sum

        of ________________($         ) together with interest thereon at

        the rate of ______ (____%) percent per annum payable as follows:

                ______months after the date hereof and from month to

        month thereafter for ______months until _______, 19__, payments

        of interest only shall be due and payable in the amount of

        $________ and a final payment in the amount of $_______.

                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.

                Each maker, surety, guarantor and endorser of this Note

        waives presentment, notice and protest, all surety ship defenses

        and agrees to all extensions, renewals, or releases, discharge or

        exchange of any other party or collateral without notice.

        ______________________________       ____________________________

        Witness                              Borrower