PROMISSORY NOTE
                    [Installment Note - Short Form]
     FOR VALUE RECEIVED, the undersigned jointly and severally
promise to pay to the order of _____, the sum of _ [$_] Dollars,
together with interest thereon at the rate of _% per annum on
any unpaid balance.
     Said sum, inclusive of interest, shall be paid in _
[monthly/weekly] installments of $_ each, with a first payment
due _, 19_, and a like amount on the same day of each
[month/week] thereafter until the full amount of this note and
accrued interest shall be fully paid.  All payments shall be
first applied to accrued interest and the balance to
principal. The undersigned reserves the right to pre-pay this
note in whole or in part without penalty.
     This note shall be fully payable upon demand of any
holder in the event the undersigned shall default in making
any payments due under this note within _ days of its due date.
     In the event of any default, the undersigned agreed to
pay all reasonable attorney fees and costs of collection to
the extent permitted by 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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