Exhibit 10.2

                             CONSULTANT AGREEMENT

      Columbia financial Group is an investor relations, direct marketing,
publishing, public relations and advertising firm with expertise in the
dissemination of information about publicly traded companies.  Also in the
business of providing investor relations services, public relations services,
publishing, advertising services, fulfillment services, as well as Internet
related services.

      Agreement made this 2nd day of January, 2001, between Halifax
International, Inc. (hereinafter referred to as "Corporation"), and Columbia
Financial Group, Inc. (hereinafter referred to as "Consultant"), (collectively
referred to as the "Parties"):

Recitals:

      The Corporation desires to engage the services of the Consultant to
perform for the Corporation consulting services regarding all phases of the
Corporation's "Investor Relations" to include direct investor relations and
broker/dealer relations as such may pertain to the operation of the
Corporation's business.

      The Consultant desires to consult with the Board of Directors, the
Officers of the Corporation, and certain administrative staff members of the
Corporation, and to undertake for the Corporation consultation as to the
company's investor relations activities involving corporate relations and
relationships with various broker/dealers involved in the regulated securities
industry.

                                  AGREEMENT

       1.   The respective duties and obligations of the contracting
Parties shall be for a period of twelve (12) months commencing on the date
first appearing above.  This Agreement may be terminated by either parties
only in accordance with the terms and conditions set forth in Paragraph 8.

                       Services Provided by Consultant

       2.   Consultant will provide consulting services in connection with the
Corporation's "investor relations" dealings with NASD broker/dealers and the
investing public. (At no time shall the Consultant provide services which
would require Consultant to be registered and licensed with any federal or
state regulatory body or self-regulating agency.)  During the term of this
Agreement, Consultant will provide those services customarily provided by an
investor relations firm to a Corporation, including but not limited to the
following:

                                     -1-

<PAGE>

                           Columbia Financial Group

            (a)   Aiding the Corporation in developing a market plan directed
at informing the investing public as to the business of the Corporation.; and

            (b)  Providing assistance and expertise in devising an advertising
campaign in conjunction with the marketing campaign as set forth in (1) above;
and

            (c)  Advise the Corporation and provide assistance in dealing with
institutional investors as it pertains to the Corporation's offerings of its
securities; and

            (d)  Aid and assist the Corporation in the Corporations's efforts
to secure "market makers" which will trade the Corporation's stock to the
public by providing such information as may be required; and

            (e)  Aid and advise the Corporation in establishing a means of
securing nationwide interest in the Corporation's securities; and

            (f)  Aid and assist the Corporation in creating an "institutional
site program" to provide ongoing and continuous information to fund managers.
and

            (h)  Aid and consult with the Corporation in the preparation and
dissemination of press releases and news announcements; and

            (i)  Aid and consult with the Corporation in the preparation and
dissemination of all "due diligence" packages requested by and furnished to
NASD registered broker/dealers, the investing public, and/or other
institutional and/or fund managers requesting such information from the
Corporation.

                                Compensation

       3.  In consideration for the services provided by Consultant to the
Corporation, the Corporation will provide the following compensation to the
Consultant:

        300,000 three years warrants with an exercise price of $1.00 per share
        200,000 five year warrants with an exercise price of $2.00 per share

                                  Compliance

       4.   At the time Consultant give notice to the Company of its execution
of the Warrants referred to in #3 above, common shares underlying the
warrants, delivered by Corporation to Consultant will, at the particular time
be free trading, or if not, the shares shall be incorporated in the next
registration statement filed by the Corporation.  The warrants shall have
"piggy back" registration rights and will, at the expense of the Corporation,
be included in said registration statement in a timely manner.

                                     -2-

<PAGE>


                           Columbia Financial Group

                        Representation of Corporation

       5.  The corporation, upon entering this Agreement, hereby warrants and
guarantees to the Consultant that to the best knowledge of the Officers and
Directors of the Corporation, all statements, either written or oral, made by
the Corporation to the Consultant are true and accurate, and contain no
misstatements of a material fact..  Consultant acknowledges that estimates of
performance made by Corporation are based upon the best information available
to Corporation officers at the time of said estimates of performance.  The
Corporation acknowledges that the information it delivers to the Consultant
will be used by the Consultant in preparing materials regarding the Company's
business, including but not necessarily limited to, its financial condition,
for dissemination to the public.  Therefore, in accordance with Paragraph 6,
below, the Corporation shall hold harmless the Consultant from any and all
errors, omissions, misstatements, except those made in a negligent or
intentionally misleading manner in connection with all information furnished
by Corporate to Consultant.

       6.   Halifax International, Inc.

            1. Authorized: 20,000,000 shares
            2. Issued: 9,399,221 shares
            3. Outstanding: 9,399,221 shares
            4. Free trading (float): 1,500,000 shares (approx.)
            5. Shares subject to Rule 144 restrictions: 4,000,000 shares
         (approx.)


                              Limited Liability

       7.   With regard to the services to be performed by the Consultant
pursuant to the terms of this Agreement, the Consultant shall not be liable to
the Corporation, or to anyone who may claim any right due to any relationship
with the Corporation, for any acts or omissions in the performance of services
on the part of the Consultant, except when said acts or omissions of the
Consultant are due to its willful misconduct or culpable negligence.

                                 Termination

       8.  This Agreement may be terminated by either party upon the giving of
not less than thirty (30) days written notice, delivered to the parties at
such address or addresses as set forth in Paragraph 9, below.  In the event
this Agreement is terminated by the Corporation, compensation paid by
Corporation pursuant to paragraph 3, above, to the Consultant shall be
prorated to the date of termination (or through the end of the month during
which notice of termination is delivered).  In the event this Agreement is
terminated by consultant, compensation shall be reimbursed to Corporation as
follows:

                                     -3-

<PAGE>

                           Columbia Financial Group

      The Agreement will be divided into four equal quarters.  If termination
occurs within the first quarter or initial ninety (90) days of the Agreement
the Consultants will have no obligation to return any of the initial
compensation of the contract pursuant to paragraph 3 above.  Each and every
subsequent quarter of the Agreement will have an equal amount of compensation.
If termination occurs within any quarter of the Agreement the Consultants will
return a pro rata amount based on a 90 day quarter.

      The valuation of said shares for purposes of repayment of shares, shall
be bid price of said shares as of the date shares are rendered back to the
Corporation.  If there is no bid price, then the price shall be agreed to, by
separate writing to be determined by the parties upon the execution of this
agreement.

                                   Notices

       9.  Notices to be sent pursuant to the terms and conditions of this
Agreement, shall be sent as follows:

      Timothy J. Rieu                        Phil Lundquist
      Columbia Financial Group, Inc.         Halifax International, Inc.
      1301 York Road, Ste. 400               7 Piedmont Center, Ste. 300
      Lutherville, Maryland 21093            Atlanta, GA 30305

                               Attorney's Fees

      In the event any litigation or controversy, including arbitration,
arises out of or in connection with this Agreement between the Parties hereto,
the prevailing party in such litigation, arbitration or controversy, shall be
entitled to recover from the other party or parties, all reasonable attorney's
fees expenses and suit costs, including those associated within the appellate
or post judgement collections proceedings.

                                 Arbitration

       10. In connection with any controversy or claim arising out of or
relating to this Agreement, the Parties hereto agree that such controversy
shall be submitted to arbitration, in conformity with the Federal Arbitration
Act (Section 9 U.S. Code Section 901 et seq), and shall be conducted in
accordance with the Rules of the American Arbitration Association.  Any
judgement rendered as a result of the arbitration of any dispute herein, shall
upon being rendered by the arbitrators be submitted to a Court of competent
jurisdiction with the state of Maryland, if initiated by Consultant, or in the
state of Maryland if initiated by the Corporation.

                                Governing Law

       11.  This Agreement shall be construed under and in accordance with the
laws of the State of Maryland, and all parties hereby consent to Maryland as
the proper jurisdiction for said proceeding provided herein.

                                     -4-

<PAGE>

                           Columbia Financial Group

                                Parties Bound

       12.  This Agreement shall be binding on and inure to the benefit of the
contracting parties and their respective heirs, executors, administrators,
legal representatives, successors, and assigns when permitted by this
Agreement.

                              Legal Construction

       13.  In case any one or more of the provisions contained  in this
Agreement shall for any reason be held to be invalid, illegal, or
unenforceable in any respect, the invalidity, illegality, or unenforceability
shall not affect any other provision, and this Agreement shall be construed as
if the invalid, illegal, or unenforceable provision had never been contained
in it.

                         Prior Agreements Superseded

       14.  This Agreement constitutes the sole and only Agreement of the
contracting parties and supersedes any prior understandings or written or oral
agreements between the respective parties.  Further, this Agreement may only
be modified or changed by written agreement signed by all the parties hereto.

                 Multiple Copies or Counterparts of Agreement

       15.   The original and one or more copies of this Agreement may be
executed by one or more of the parties hereto.  In such event, all of such
executed copies shall have the same force and effect as the executed original,
and all of such counterparts taken together shall have the effect of a fully
executed original.  Further, this Agreement may be signed by the parties and
copies hereof delivered to each party by way of facsimile transmission, and
such facsimile copies shall be deemed original copies for all purposes if
original copies of the parties' signatures are not delivered.

                     Liability of Miscellaneous Expenses

       16.   The Corporation shall be responsible to any miscellaneous fees
and costs approved in writing prior by the Corporation or its agents to
commitment that are unrelated to the agreement made between the Parties.

                                     -5-

<PAGE>

                          Columbia Financial Group

                                   Headings

       17.   Headings used throughout this Agreement are for reference and
convenience, and in no way define, limit or describe the scope or intent of
this Agreement or effect its provisions.

            IN WITNESS WHEREOF, the parties have set their hands and seal as
of the date written
above.


                                         /s/ Timonthy J. Rieu
                                    BY: ________________________
                                        Timothy J. Rieu, President
                                        Columbia Financial Group, Inc.


                                         /s/ Phil Lundquist
                                    BY: ________________________
                                        Phil Lundquist, Chairman
                                        Halifax International, Inc.








                                     -6-