PROMISSORY NOTE
                             (For Open Account Debt)


               FOR VALUE RECEIVED, the undersigned promise to pay to the 
        order of __________________________ , the sum of_____________     
        ($           ) Dollars, together with interest thereon at the 
        rate of __ % per annum on the unpaid balance.  

               Said principal and interest shall be payable as follows: 
        (Describe Terms)



               The undersigned may prepay this Note in whole or in part 
        without penalty.  In the event any payment due hereunder is not 
        paid when due, the entire balance shall be immediately due and 
        payable upon demand of the holder.  Upon default, the 
        undersigned shall pay all reasonable attorney fees and costs 
        necessary for the collection of this Note.  

               This Note is executed to evidence an existing 
        indebtedness due the payee from the undersigned on an open 
        account balance as of this date, and this Note shall not be 
        construed as a separate obligation.

               Signed under seal this _____day of _________, 20__.


                                       
                                          ____________________________


                                                     Form 107