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                                                                 EXHIBIT 10.3



FIRST UNION NATIONAL BANK
OF NORTH CAROLINA

Private Banking
Two First Union Center
301 South Tyron Street
Charlotte, North Carolina 28288-1220



September 23, 1996


Yager/Kuester Public Fund Limited Partnership
c/o Jerry R. Haynes
Internet Services Corporation
12201 Steele Creek Road
Charlotte, NC 28273-3731

Re: Loan Commitment to Yager/Kuester Public Fund Limited Partnership


Dear Alison:

First Union National Bank of North Carolina ("First Union") is pleased to offer
you a commitment to lend on the following terms and conditions:

BORROWER:
Yager/Kuester Public Fund Limited Partnership

AMOUNT:
The amount of this facility shall be up to $2,840,000.00 in the form of a line
of credit.

PURPOSE:
This facility shall be used to refinance an existing mortgage with United of
Omaha on the UCB building in Greenville, SC.

INTEREST RATE:
3-month LIBOR Rate plus 1.75% (175 basis points).  The 3-month LIBOR Rate shall
be determined in accordance with First Union's adjusted LIBOR Rate formula.

REPAYMENT:
This facility shall be repayable in monthly payments of accrued interest only
until December 1, 1997 when all remaining principal and interest shall be due.
If the UCB Building is not sold by 12/1/97, First Union shall renew the loan
for an additional year to expire on December 1, 1998 and take a deed of trust
on the UCB Building.




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Yager/Kuester Public Fund Limited Partnership
Commitment Letter - 2
September 23, 1996


COLLATERAL:
This loan shall be on an unsecured basis.

GUARANTORS:
The unconditional guaranty of Dexter R. Yager, Sr. will be required.  The
guaranty shall be in form acceptable to First Union.

BORROWER FINANCIAL STATEMENTS:
ANNUAL FINANCIAL STATEMENTS.  Borrow shall deliver to First Union, within 60
days after the close of each fiscal year, audited financial statements
reflecting its operations during such fiscal year, including, without
limitation, a balance sheet, profit and loss statement and statement of cash
flow, with supporting schedules: prepared in conformity with generally accepted
accounting principles, applied on a basis consistent with that of the preceding
year.  All such statements shall be examined by an independent certified public
accountant acceptable to First Union.  The opinion of such independent
certified public accountant shall not be acceptable to First Union if qualified
due to any limitations in scope imposed by Borrower.  Any other qualification
of the opinion by the accountant shall render the acceptability of the
financial statements subject to First Union's approval.

GUARANTOR FINANCIAL STATEMENTS:
ANNUAL FINANCIAL STATEMENTS.  Guarantor shall deliver to First Union an updated
personal financial statement on an annual basis as well as additional
information that may be necessary to document Guarantor's liquidity and income.

COMMITMENT FEES:
The Borrower shall pay First Union 1/4%  of the borrowed amount as a
non-refundable commitment fee at closing.


COSTS:
Borrower shall pay all costs, expenses and fees associated with this
transaction.

The preceding terms and conditions are not exhaustive, and this commitment is
subject to certain other terms and closing conditions customarily required by
First Union for similar transactions.  First Union may be referred to as "Bank"
in this commitment letter and other related documents.  This commitment will
expire unless it is closed on or before December 20, 1996.  This commitment
letter shall not survive closing.



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Yager/Kuester Public Fund Limited Partnership
Commitment Letter - 3
September 23, 1996


Borrower represents and agrees that all financial statements and other
information delivered to First Union are correct and complete. No material
adverse change may occur in, nor may any adverse circumstance be discovered as
to, the business or financial condition of the Borrower or any Guarantor prior
to closing.  First Union's obligations under this commitment are conditioned on
the fulfillment to First Union's sole satisfaction of each term and condition
referenced by this commitment.

This commitment supersedes all prior commitments and proposals with respect to
this transaction, whether written or oral, including any previous loan
proposals made by First Union or anyone acting with its authorization.  No
modification shall be valid unless made in writing and signed by an authorized
officer of  First Union.  This commitment is not assignable, and no party other
than Borrower shall be entitled to rely on this commitment.

Please indicated your acceptance of this offer and the terms and conditions
contained herein by signing below and returning one executed copy of this
commitment letter to the undersigned.  This offer of commitment shall expire
unless the acceptance is received by the undersigned on or before October 15,
1996.

Thank you for allowing First Union to be of service.  Please do not hesitate to
give me a call at (704) 374-6313 if I can be of further assistance.

Sincerely,

FIRST UNION NATIONAL BANK OF NORTH CAROLINA




By: /s/ William D. Mileham
    -------------------------------
    William D. Mileham
    Vice President
    Private Banking






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Yager/Kuester Public Fund Limited Partnership
Commitment Letter - 4
September 23, 1996


ACCEPTANCE OF LOAN COMMITMENT:

The above commitment is agreed to and accepted on the terms and conditions
provided by in this letter.

     YAGER/KUESTER PUBLIC FUND LIMITED PARTNERSHIP



By: /s/ Dexter R. Yager, Sr.
    -------------------------------------------         -----------------------
    DRY Limited Partnership, General Partner                  Date
    Dexter R. Yager, Sr. General Partner of
    DRY Limited Partnership



GUARANTOR

By: /s/ Dexter R. Yager, Sr.
    -------------------------------------------         -----------------------
    Dexter R. Yager, Sr., Guarantor                           Date