EXHIBIT 10.1

                              CONSULTING AGREEMENT

THIS  AGREEMENT  is made  effective  as of this 1st day of April,  2001,  by and
between  EQUITY  TECHNOLOGIES  & RESOURCES,  INC., a Delaware  corporation,  and
RUSBAR FINANCIAL SERVICES, INC., a Kentucky corporation.

WHEREAS,  in this  Agreement,  the party who is contracting to receive  services
shall be  referred  to as  COMPANY,  and the  party  who will be  providing  the
services shall be referred to as CONSULTANT; and,

WHEREAS,  CONSULTANT has a experience in financial and banking  matters,  public
and media  relations,  marketing,  medical service  transactions,  drug testing,
governmental relations, and experience with organizations and related technology
in the business world and healthcare industry and is willing to provide services
to COMPANY based on said training and experience,  and to secure the services of
other consultants to perform similar services; and,

WHEREAS, COMPANY desires to have these services provided by Consultant; and,

NOW,  THEREFORE,  in consideration of the terms and conditions  hereof and other
good and valuable  consideration,  the aforementioned parties do hereby agree as
follows:

1.   DESCRIPTION  OF  SERVICES.  Beginning  on  the  1st  day  of  April,  2001,
     CONSULTANT has and will provide the following services  (collectively,  the
     "services").   CONSULTANT  will  offer  its  expertise  and  experience  in
     organizing and assisting  COMPANY in areas  including,  but not limited to,
     banking and financial matters,  marketing, public and media relations, drug
     testing,   governmental   relations,   and  identifying  and   implementing
     appropriate incentive  participation  programs for prescribing  physicians,
     pharmacies,  pharmaceutical  companies  and insurers and any other  matters
     pertaining to the healthcare industry.

2.   PERFORMANCE  OF  SERVICES.  The  manner  in which  the  Services  are to be
     performed  shall be  determined  by  CONSULTANT  and  COMPANY  will rely on
     CONSULTANT  to do  whatever  may be  reasonably  necessary  to fulfill  its
     obligations under this agreement.

3.   PAYMENT. COMPANY will pay a fee to CONSULTANT for the Services as follows:

     COMPANY will pay to CONSULTANT for the Services,  based on a 3-year term, a
     fee of $100,000 USD per year, paid in not less than annual  installments or
     as the parties may agree.



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4.   EXPENSES OF  CONSULTANT:  CONSULTANT  agrees to bear the cost of its out of
     pocket  expenses and agrees to pay a pro-rata  share of office and overhead
     expenses of COMPANY, e.g. rent,  telephone,  postage, fed ex, copies, staff
     expenses, etc. as the parties may agree from time to time.

5.   RELATIONSHIP  OF PARTIES.  The parties  understand  that  CONSULTANT  is an
     independent contractor with respect to COMPANY and not an employee. COMPANY
     will not provide fringe benefits of any sort,  including health  insurance,
     paid vacation, or any other employee benefit for CONSULTANT.

6.   EMPLOYEES.  The provisions of this Agreement  shall also bind any employees
     or associates of CONSULTANT,  or other consultants who perform services for
     CONSULTANT or COMPANY under the terms of this Agreement.

7.   ASSIGNABILITY.  The parties agree that CONSULTANT may no assign its role or
     compensation in this Agreement to any third party, unless first approved in
     writing by the COMPANY, which consent shall not be unreasonably withheld.

8.   NOTICES. All notices required or permitted under this Agreement shall be in
     writing  and  shall be  deemed  delivered  when  delivered  in  person,  by
     Registered Mail, or properly acknowledged, by Federal Express, addressed as
     follows:

         IF for COMPANY:
                                    EQUITY TECHNOLOGIES & RESOURCES, INC.
                                    Frank G. Dickey, Jr., President & CEO
                                    1050 Chinoe Road.
                                    Suite 304
                                    Lexington, KY 40502

         IF for CONSULTANT:
                                    RUSBAR FINANCIAL SERVICES, INC.
                                    Frank Barker, President
                                    2201 Lakeside Drive
                                    Lexington, KY 40502

9.   EXECUTION. This agreement may be signed by fax and in counterparts.


10.  AMENDMENT.  This  Agreement  may be modified or amended if the amendment is
     made in writing and is signed by both parties.

11.  SEVERABILITY.  If any  provision  of  this  Agreement  shall  be held to be
     invalid or  unenforceable  for any reason,  the remaining  provisions shall
     continue to be valid and  enforceable.  If a court finds that any provision
     of this  Agreement is invalid or  unenforceable,  but that by limiting such
     provision it would become valid and enforceable,  then such provision shall
     be deemed to be written, construed, and enforced as so limited.


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12.  WAIVER OF  CONTRACTUAL  RIGHT.  The  failure of either  part to enforce any
     provision  of  this  Agreement  shall  not  be  construed  as a  waiver  or
     limitation of that party's right to subsequently  enforce and compel strict
     compliance with every provision of this Agreement.

13.  APPLICABLE  LAW.  This  Agreement  shall be governed by and be  interpreted
     under the laws of the  Commonwealth  of Kentucky,  without giving effect to
     the  principles  of conflict of laws,  with all parties  agreeing  that any
     legal action arising from a breach of the agreement shall be brought in the
     Courts of Kentucky,  which shall have the exclusive venue and  jurisdiction
     over the subject matter and the parties to this Agreement.

14.  ENTIRE  AGREEMENT/CONTRACTUAL  CAPACITY. This Agreement contains the entire
     agreement of the parties and there are no other  promises or  conditions in
     any other agreement whether oral or written.  This Agreement supersedes any
     prior written or oral agreements between the parties. The parties stipulate
     that  the  signatories  to  this  agreement  have  full  authorization  and
     contractual capacity on behalf of their respective organizations.


EQUITY TECHNOLOGIES & RESOURCES, INC.


By: /s/ Frank G. Dickey
--------------------------------------
Frank G. Dickey, Jr. President & CEO



RUSBAR FINANCIAL SERVICES, INC.


By: /s/Frank Barker
--------------------------------------
 Frank Barker, President



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