Exhibit 4.1





PROMISSORY NOTE





$100,000.00

DATE: August 27, 1999





FOR VALUE RECEIVED, SMALL BUSINESS INVESTMENT CORPORATION OF
AMERICA, INC., (hereinafter referred to as the Maker) promises to pay to Joyce L. Brown. (hereinafter referred to as the Holder) the sum of One Hundred Thousand Dollars ($100,000.00) hereinafter the Principal
Amount with interest at the rate of ten percent (10%) per annum until paid.





1.  The entire
balance due on this Note, principal plus accrued interest, shall be payable three hundred (300) days from the date hereof or upon the completion of the private placement whichever happens first. All payment shall be applied first to late fees, then
to administrative charges (such as court cost, bounced check fees, attorneys fees and other costs of collection, if incurred), then to the payment of interest on the amount of principal remaining unpaid, and the balance thereof credited to
payment on the outstanding principal.





2.  In the event of default on any installment payment as it
becomes due, the entire balance then remaining unpaid shall, at the option of the holder hereof, become immediately due and payable in full, after a ten (10) day written notice to cure such default and Makers failure to cure within such
period. In addition, the undersigned herby authorizes and empowers any attorney at law to appear for him before any court and to confess judgment or assent to the entry of judgment against the undersigned for the amount that may appear to be due
under this Note, including interest from the date hereof at the rate of ten percent (10%) per annum, reasonable attorneys fees and costs of suit; and to waive all errors in pleading, notice of dishonor or presentment, stay of execution and the
benefit of all exemptions or homestead laws.





3.  The occurrence of any one or more of the following
events (the Events of Default) shall constitute a default hereunder:





a.  If
Maker shall fail to make any payment required hereunder;





b.  The filing of a voluntary
in involuntary petition against the undersigned under any of the provisions of the Federal Bankruptcy Act or amendments thereto;





c.  The undersigneds assignment for the benefit of creditors;





d.  Entry of judgment or issuance of an Order of attachment against the undersigned or





e.  Commencement of any proceeding or procedure for enforcement of a money judgment against the undersigned.





4.  The Maker, for themselves and their heirs, successors and assigns, hereby waive presentment, protest, demand, diligence,
notice of dishonor and of nonpayment, and waive and renounce all rights to the benefits of any moratorium, appraisement, exemption and homestead now provided or which may hereafter be provided by any federal or state against the enforcement and
collection of the obligations evidenced by this note and any and lall extensions, renewals and modifications hereof.





5.  The undersigned hereby authorizes any attorney at law to appear in any court of record in the United States if the balance due provided for herein is not paid at






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maturity, including any acceleration thereof as provided herein. The Maker waives the issuance and service of process and confesses a judgment
against the Maker in favor of the Holder hereof for the amount of the Note as may be due and unpaid hereon, with costs of suit plus twenty percent (20%) of the amount in default as attorneys fees, waiving all rights of appeal, stay of
execution, and all exemption laws of any state of the United States. The Maker specifically consents to the filings of and maintenance of a confessed judgment action in any court of record in the United States, Maker expressly waiving any objection
or defense as to insufficiency of process, lack of personal jurisdiction by any said court over the person, proper venue, and specifically consents to the registration or enrollment of the judgment by confession once granted on any other court of
record in the United States.





6.  No failure on the part of Holder or other holder hereof to exercise
any right or remedy hereunder, whether before or after the happening of a default shall constitute a waiver hereof, and no waiver of any past default shall constitute waiver of any future default or of any other default.





7.  The Maker reserves the right of prepayment in any amount at any time without penalty.





8.  All payments on this Note are payable to the Holder, at the following address, or to such other address as may be hereafter
given by written notice from the Maker to the Holder.





Joyce L. Brown


9905 Five Oaks Road


Fairfax, Virginia 22031-1012





9.  This Note may not be changed orally, but only by an agreement in writing signed by the party against whom such agreement is sought to be enforced.





10.  All notices sent to the Maker shall be by hand delivery or by registered or certified mail, return
receipt requested, to the Maker at 1730 Rhode Island Avenue N.W., Suite 415, Washington, DC 20036, or to such other address as may be hereafter given by written notice from the Maker to the Holder.





11.  This Note shall be governed by and construed in accordance with the laws of the District of Columbia.





IN WITNESS WHEREOF, the Maker has executed this Note on the day and year first above written.








SMALL BUSINESS INVESTMENT CORPORATION OF AMERICA,
INC.By:

/s/    JOYCE L. BROWNJoyce L. Brown, President