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Exhibits

Exhibit 10.17


                               PROMISSORY NOTE

$400,000                                          Olympia, Washington
                                                       April 30, 1998


         FOR VALUE RECEIVED, the undersigned, WESTAR FINANCIAL SERVICES 
INCORPORATED, a Washington corporation (the "Company"), promises to pay to 
the order of PLMC, LLC (the "Lender"), at its principal place of business at 
6416 Pacific Highway East, Tacoma, WA 98424, or to the holder hereof at such 
address as the holder may designate by written notice, the principal sum of 
$400,000 together with interest on the unpaid principal balance hereof from 
the date of disbursement by the Lender at the rate and in the manner 
hereinafter set forth.

         1. PAYMENTS OF PRINCIPAL AND INTEREST. The total principal sum and 
interest hereunder shall be due and payable and shall be paid by the Company 
to the Lender in one lump sum payment, which payment is due sixty (60) days 
from the date hereof. This Note shall bear interest on the unpaid principal 
balance at a rate per annum equal to nine and one-half percent (9.5%). All 
interest payable in accordance with this Note shall be calculated on the 
basis of a 365 day year for the actual number of days principal is 
outstanding.

         2. PRE-PAYMENTS. The indebtedness evidenced or created by this Note 
may at any time prior to maturity be prepaid in full or in part without any 
premium or penalty.

         3. REMEDIES.

                  (a) The failure of the Lender to exercise any option upon any
default shall not constitute a waiver of the right to exercise such option in
the event of any continuing or subsequent default. The Company hereby agrees
that the maturity of all or any part of the loan may be postponed or extended
and that any covenants 

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and conditions contained in this Note may be waived or modified without 
prejudice to the liability of the Company on this Note.

                  (b) Presentment for payment, notice or dishonor, protest, 
notice of protest and diligence in bringing suit against the Company or any 
guarantor of the Company's obligations are hereby severally waived by the 
Company.

         4. MAXIMUM INTEREST. Nothing herein contained, nor in any instrument 
or transaction relating hereto, shall be construed as to require the Company, 
or any person liable for the payment of the loan made pursuant to this Note, 
to pay interest in an amount or at a rate greater than the highest rate 
permissible under applicable law. Should any interest or other charges paid 
by the Company or any parties liable for the payment of the loan made 
pursuant to this Note, result in the computation of earning or interest in 
excess of the highest rate permissible under applicable law, then any and all 
such excess shall be and the same is hereby waived by Lender, and all such 
excess shall be automatically credited against and in reduction of the 
principal balance, and any portion of said excess which exceeds the principal 
balance shall be paid by the Lender to the Company or any parties liable for 
the payment of the loan made pursuant to this Note as their respective 
interests appear, it being the intent of the parties hereto that under no 
circumstances shall the Company or any parties liable for the payment of the 
loan hereunder be required to pay interest in excess of the highest rate 
permissible under applicable law.

         5. NOTICES. Except for any notice required under applicable law to 
be given in another manner, (a) any notice to the Company provided for 
hereunder shall be delivered by mailing such notice by certified mail or 
registered mail, return receipt requested, or overnight courier addressed to 
the Company at its address as shown on Lender's records or at such address as 
the Company may designate by notice to the Lender as provided herein, and (b) 
any notice to the Lender shall be delivered by certified or registered mail, 
return receipt requested, or by overnight courier to the Lender's address set 
forth above, or to such other address as the Lender may designate by notice 
to the Company as provided herein. any notice provided for hereunder shall be 
deemed to have been delivered to the Company or the Lender three days after 
the same has been deposited with the United States Postal Service or 
overnight courier in the above manner. Actual notice and receipt of any 
written notice shall constitute notice in all events. Payment, however, shall 
be deemed received only upon actual receipt.

         6. GOVERNING LAW. This Note shall be governed and construed in 
accordance with the laws of the State of Washington.


                                       WESTAR FINANCIAL SERVICE INCORPORATED



                                       By:
                                          ------------------------------------
                                          Thomas M. Foley
                                           Vice President Finance & CFO