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Exhibit 10.30

                                LOAN MODIFICATION AGREEMENT

$250,000.00       Olympia, Washington

                                                                December 1, 1999

         THIS LOAN MODIFICATION AGREEMENT ("the Agreement") is made and entered
into as of December 1, 1999 by and among Westar Financial Services Incorporated,
a Washington Corporation ("Westar") and Charles S. Seel, the Lender.

RECITALS

         FOR VALUE RECEIVED, the undersigned, WESTAR FINANCIAL SERVICES
INCORPORATED, a

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Washington corporation (the "Company"), promises to pay to the order of
CHARLES S. SEEL (the "Lender"), at its principal place of business at 24105
Sno-Woodinville Road, P.O. Box 646, Woodinville, Washington, 98072-0646, or
to the holder hereof at such address as the holder may designate by written
notice, the principal sum of Two Hundred Fifty Thousand Dollars
($250,000.00), 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 on the earlier of (i) December 1, 1999
or (ii) receipt by the Company of not less than Five Million Dollars
($5,000,000.00) in proceeds from one or more closings of its current offering
of Units, consisting of senior subordinated notes and warrants or any other
similar financing or financing involving equity securities. This Note shall
bear interest on the unpaid principal balance at a rate per annum equal to
nine percent (9%). 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. Payment shall be made by wire transfer of
immediately available funds as specified by Lender.

         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. COLLATERAL. This Note is secured by a lien on and security
interest in certain assets of the Company pursuant to a Security Agreement of
even date herewith between the Lender and the Company (the "Security
Agreement").

         4. 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 and conditions contained in this Note, or the Security
Agreement or in any instrument given as security for the Indebtedness
evidenced or created hereby may be waived or modified without prejudice to
the liability of the Company on said Note or instrument.

            (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.

         5. 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 of 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.

         6. 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

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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.

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

                           LOAN MODIFICATION AGREEMENT

         Westar, the Borrower and Charles S. Seel, the Lender desire to amend
the original loan documents to extend the maturity date from December 1, 1999
to March 10, 2000.

Lender                            WESTAR FINANCIAL SERVICES
                                  INCORPORATED

By:  _________________________     By: ____________________
         Charles S. Seel               R. W. Christensen, Jr.
                                       President