PROMISSORY NOTE - BALLOON



        $________________________                ______________________

                                                 _________________,20__



                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 _______, 20__, 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


                                                           Form 103