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                                                                   Exhibit 10.18

                                PROMISSORY NOTE

$50,000                                                            JULY 22, 1999

     CLEVE B. SHULTZ (hereinafter referred to as "Maker"), for value received,
hereby promises to pay to the order of TOWNE SERVICES, INC., a Georgia
corporation (hereinafter referred to as "Payee"), the aggregate principal sum of
fifty thousand ($50,000) on July 31, 2002, together with interest on the unpaid
principal balance at the rate of 8.0% per annum, compounded annually. The
principal hereof and the interest thereon are payable at 3950 Johns Creek Court,
Suite 100, Suwanee, Georgia 30024, or at such other place as Payee may from time
to time designate to Maker in writing, in coin or currency of the United States
of America.

     Maker may, at any time and from time to time, prepay all or any portion of
the principal of this Note remaining unpaid, without penalty or premium.
Prepayments shall be applied first to the payment of accrued but unpaid interest
on this Note and the balance to principal.

     If any of the following events (an "Event of Default") shall occur and be
continuing for any reason whatsoever (and whether such occurrence shall be
voluntary or involuntary or come about or be effected by operation of law or
otherwise), then this Note shall thereupon be and become, forthwith due and
payable, without any further notice or demand of any kind whatsoever, all of
which are hereby expressly waived:

          (a) If Maker defaults in the payment of principal or interest on this
Note when and as the same shall become due and payable and such default
continues for 20 days after Maker receives notice from Payee of such default; or

          (b) If Maker makes an assignment for the benefit of creditors or
admits in writing an inability to pay his or its debts generally as they become
due;

          (c) If an order, judgment or decree is entered adjudicating Maker
bankrupt or insolvent;

          (d) If Maker petitions or applies to any tribunal for the appointment
of a trustee or receiver of Maker, or of any substantial part of the assets of
Maker, or commences any proceedings relating to Maker under any bankruptcy,
reorganization, arrangement, insolvency, readjustment of debt, dissolution or
liquidation law of any jurisdiction, whether now or hereafter in effect; or

          (e) If any such petition or application is filed, or any such
proceedings are commenced, against Maker, and Maker by any act indicates its
approval thereof, consent thereto, or acquiescence therein, or an order is
entered appointing any such trustee or receiver, or approving the petition in
any such proceedings, and such order remains unstayed and in effect for more
than 90 days.

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     This Note is with full recourse to any assets of Maker.

     Any failure on the part of Payee at any time to require the performance by
Maker of any of the terms or provisions hereof, even if known, shall in no way
affect the right thereafter to enforce the same, nor shall any failure of Payee
to insist on strict compliance with the terms and conditions hereof be taken to
or held to be a waiver of any succeeding breach or of the right of Payee to
insist on strict compliance with the terms and conditions hereof.

     Time is of the essence.

     This Note shall be governed by, and enforced and interpreted in accordance
with, the laws of the State of Georgia without regard to the principles of
conflict of laws.

     In the event this note, or any part hereof, is collected by or through an
attorney-at-law, Maker agrees to pay all costs of collection including, but
not limited to, attorney's fees equal to 15% of the principal and interest
then due. In the event that Maker fails to make any payment when due, Payee
shall provide written notice of default to Maker, which notice shall allow
Maker ten (10) days from the date of receipt of such notice in which to cure
such default. If such default is not cured within the time allowed, the
balance hereof shall be deemed to be immediately accelerated without further
notice to Maker.

     IN WITNESS WHEREOF, Maker has executed this Note under seal as of the
date first set forth above.


                                   MAKER:

                                   /s/  Cleve B. Shultz
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