PROMISSORY NOTE (DEMAND)

*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.  This rate is payable upon the demand of the holder together with any accrued interest thereon.

This note is not assumable without the written consent of the lender.  This note may be prepaid in whole or in part at the time without penalty.

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)