PROMISSORY NOTE (FULLY AMORTIZED)

*SAMPLE*

$______________________________         _______________________
             (Loan Amount)                                         (Date)

For value received, I (we) ________________________________________________
                                                                       (borrower (s) )
jointly and severally, promise to pay to the order of _______________________
                                                                                      (lender)
the sum of __________________________ dollars ($____________), together with
                     (written amount borrowed)
interest thereon from the above date at the rate of __________ percent (___%) per annum payable in _____________________ equal installments of principal and
       (number of months)
interest in the amount of ________________ ($______) beginning on ________________
                                                                                                              (date) 
and continuing on the first day of each month thereafter.

This note is not assumable.  This note may be prepaid in whole or in part at the time without penalty.  All prepayments shall be first applied to interest then to principal.  Payments not made within ____days of the due date shall be subject to a late charge of _____% of the payment amount.

In the event of default, the undersigned agrees to pay all costs of collection, which may include reasonable attorney's fees.

Payments shall be made at (or at such other places as the holder may from time to time designate in writing) _______________________________________.
                                       (Address)

__________________________                           ___________   ____________________
             (Borrower)                                                  (Date)                     (Witness)

__________________________                            _________
           (Co-borrower)                                                (Date)