EXHIBIT 10.3

                                 PROMISSORY NOTE


$246,777.65                                              Date:  January 31, 2003

For value received, the undersigned Kingdom Ventures, Inc. (the "Borrower"), at
1045 Stephanie Way, Minden, Nevada 89423, promises to pay to the order of J & J
Holdings, Inc., (the "Lender"), at P.O. Box 275, Genoa, NV 89423, (or at such
other place as the Lender may designate in writing) the sum of $246,777.65
including interest from June 01, 2002, on the unpaid principal at the rate of 7%
per annum.

All payments on this Note shall be applied first in payment of accrued interest
and any remainder in payment of principal.

The Borrower promises to pay a late charge of 5% for each installment that
remains unpaid more than 15 day(s) after its Due Date.  This late charge shall
be paid as liquidated damages in lieu of actual damages, and not as a penalty.

If any payment obligation under this Note is not paid when due, the remaining
unpaid principal balance and any accrued interest shall become due immediately
at the option of the Lender.

The Borrower reserves the right to prepay this Note (in whole or in part) prior
to the Due Date with no prepayment penalty.

If any payment obligation under this Note is not paid when due, the Borrower
promises to pay all costs of collection, including reasonable attorney fees,
whether or not a lawsuit is commenced as part of the collection process.

If any of the following events of default occur, this Note and any other
obligations of the Borrower to the Lender, shall become due immediately, without
demand or notice:

     1) the failure of the Borrower to pay the principal and any accrued
     interest in full on or before the Due Date;

     2) the death of the Borrower or Lender;

     3) the filing of bankruptcy proceedings involving the Borrower as a debtor;

     4) the application for the appointment of a receiver for the Borrower;

     5) the making of a general assignment for the benefit of the Borrower's
     creditors;

     6) the insolvency of the Borrower;

     7) a misrepresentation by the Borrower to the Lender for the purpose of
     obtaining or extending credit.


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In addition, the Borrower shall be in default if there is a sale, transfer,
assignment, or any other disposition of any assets pledged as security for the
payment of this Note, or if there is a default in any security agreement which
secures this Note.

If any one or more of the provisions of this Note are determined to be
unenforceable, in whole or in part, for any reason, the remaining provisions
shall remain fully operative.

All payments of principal and interest on this Note shall be paid in the legal
currency of the United States.  The Borrower waives presentment for payment,
protest, and notice of protest and nonpayment of this Note.

No renewal or extension of this Note, delay in enforcing any right of the Lender
under this Note, or assignment by Lender of this Note shall affect the liability
or the obligations of the Borrower.  All rights of the Lender under this Note
are cumulative and may be exercised concurrently or consecutively at the
Lender's option.

This Note shall be construed in accordance with the laws of the State of Nevada.

Signed this 31st day of January 31, 2003

Borrower:
Kingdom Ventures, Inc.

By:____________________________________________________
   Gene Jackson, President


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