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                                                                Exhibit: 10.52FT


THE CHASE MANHATTAN BANK

                        [CHASE LOGO]    Promissory Note

                                                                  New York, N.Y.
$2,000,000.00                                                    August 10, 1998

          On August 9, 1999 (insert specific date or "DEMAND"), for value
received, the undersigned hereby promises to pay to the order of THE CHASE
MANHATTAN BANK (hereinafter the "Bank") at its office at 1211 Avenue of the
Americas, New York, N.Y.
 Two Million ******************************************************* DOLLARS
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with interest payable on November 9, 1998 (specific date) and the 9th day of
each quarter (quarter, month, etc.) thereafter (and at maturity) at a per annum
rate of 1/2% above the Bank's Prime Rate (which shall be the rate of interest
as is publicly announced at the Bank's principal office from time to time as its
Prime Rate), adjusted as of the date of each such change. The foregoing rate
shall be computed for the actual number of days elapsed on the basis of a
360-day year, but in no event shall be higher than the maximum permitted under
applicable law. Interest on any past due amount, whether at the due date thereof
or by acceleration, shall be paid at a rate of one percent per annum in excess
of the above stated rate, but in no event higher than the maximum permitted
under applicable law. Time for payment extended by law shall be included in the
computation of interest.

          The undersigned hereby grants to the Bank a lien on, security interest
in and right of set-off against all moneys, securities and other property of the
undersigned and the proceeds thereof now or hereafter delivered to remain with
or in transit in any manner to the Bank, its correspondents or its agents from
or for the undersigned, whether for safekeeping, custody, pledge, transmission,
collection or for any other purpose, or coming into possession, control or
custody of the Bank, Chase Securities Inc., or any other affiliate of the Bank
in any way, and, also, any balance of any deposit account and credits of the
undersigned with, and any other claims of the undersigned against, the Bank,
Chase Securities Inc., or any other affiliate of the Bank at any time existing
(all of which are hereinafter collectively called "Collateral"), as collateral
security for the payment of this note and all other liabilities and obligations
now or hereafter owed by the undersigned to the Bank, contracted with or
acquired by the Bank, whether joint, several, direct, indirect, absolute,
contingent, secured, unsecured, matured or unmatured (all of which are hereafter
collectively called "Liabilities"), hereby authorizing the Bank at any time or
times, without notice or demand, to apply any such Collateral or any proceeds
thereof to any of such Liabilities in such amounts as it in its sole discretion
may select, either contingent, unmatured or otherwise and whether any other
collateral security therefor is deemed adequate or not. Undersigned authorizes
the Bank to deliver to others a copy of this note as written notification of the
undersigned's transfer of a security interest in the Collateral. The Bank
further is authorized at any time or times, without demand or notice to the
undersigned, to transfer to or register in the name of its nominee or nominees
all or any part of the Collateral and to exercise any and all rights, power and
privileges (except that prior to an Event of Default the Bank shall not have the
right to vote or to direct the voting of any Collateral). The collateral
security and other rights described herein shall be in addition to any other
collateral security described in any separate agreement executed by the
undersigned.

          In the event of: default in the prompt payment of any Liabilities;
default in any other indebtedness of the undersigned (which, for the purposes of
this sentence, means the undersigned or any guarantor, surety or endorser of, or
any person or entity which has pledged any of its property to secure, any
Liabilities); complete or partial liquidation or suspension of any business of
the undersigned; dissolution, merger, consolidation or reorganization of the
undersigned; death of or loss of employment by any individual or any member of
any partnership (if the undersigned is an individual or a partnership); failure
to furnish any financial information or to permit inspection of any books or
records at the Bank's request; a representation, warranty or statement of the
undersigned proving false in any material respect when made or furnished;
general assignment for the benefit of creditors or insolvency of the
undersigned; commencement of any proceeding supplementary to any execution
relating to any judgment against the undersigned; attachment, distrait, levy,
execution or final judgment against the undersigned or against the property of
the undersigned; assignment by the undersigned of any equity in any of the
Collateral without the written consent of the Bank; appointment of a receiver,
conservator, rehabilitator or similar officer for the undersigned, or for any
property of the undersigned; tax assessment by the United States Government or
any state or political subdivision thereof against the undersigned; the taking
of possession of, or assumption of control over, all or any substantial part of
the property of the undersigned by the United States Government, or any state or
political subdivision thereof, foreign government (de facto or de jure) or any
agency of any thereof; calling of a meeting of creditors, assignment for the
benefit of creditors or bulk sale or notice thereof; any mortgage, pledge of or
creation of a security interest in any assets without the consent of the holder
of this note; filing of a petition in bankruptcy, commencement of any proceeding
under any bankruptcy or debtor's law (or similar law analogous in purpose or
effect) for the relief, reorganization, composition, extension, arrangement or
readjustment of any of the obligations by or against the undersigned; then, and
in any of those events (each, an "Event of Default"), all Liabilities, although
otherwise unmatured or contingent, shall for with become due and payable without
notice or demand and notwithstanding anything to the contrary contained herein
or in any other instrument. Further, acceptance of any payments shall not waive
or affect any prior demand or acceleration of these Liabilities, and each such
payment made shall be applied first to the payment of accrued interest, then to
the aggregate unpaid principal or otherwise as determined by the Bank in its
sole discretion. The undersigned hereby irrevocably consents to the in personam
jurisdiction of the federal and/or state courts located within the State of New
York over controversies arising from or relating to this note or the Liabilities
and IRREVOCABLY WAIVES TRIAL BY JURY and the right to interpose any counterclaim
or offset of any nature in any such litigation. The undersigned further
irrevocably waives presentment, demand, protest, notice of dishonor and all
other notices or demands of any kind in connection with this note or any
Liabilities. The undersigned shall be jointly and severally liable hereon.

          The Bank may, at its option, at any time when in the judgment of the
Bank the Collateral is inadequate or the Bank deems itself insecure, or upon or
at any time after the occurrence of an Event of Default, proceed to enforce
payment of the same and exercise any of or all rights and remedies afforded the
Bank by the Uniform Commercial Code (the "Code") or otherwise possessed by the
Bank. Any requirement of the Code for reasonable notice to the undersigned shall
be deemed to have been complied with is such notice is mailed, postage prepaid,
to the undersigned and such other persons entitled to notice, at the addresses
shown on the records of the Bank at least four (4) days prior to the time of
sale, disposition or other event requiring notice under the Code.

          The undersigned agrees to pay to the Bank, as soon as incurred, all
costs and expenses incidental to the care, preservation, processing, sale or
collection of or realization upon any of or all the Collateral or incurred in
connection with the enforcement or collection of this note, or in any way
relating to the rights of the Bank hereunder, including reasonable inside or
outside counsel fees and expenses. Each and every right and remedy hereby
granted to the Bank or allowed to it by law shall be cumulative and not
exclusive and each may be exercised by the Bank from time to time and as often
as may necessary. The undersigned shall have the sole responsibility for
notifying the Bank in writing that the undersigned wishes to take advantage of
any redemption, conversion or other similar right with respect to any of the
Collateral. The Bank may



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release any party (including any partner or any undersigned) without notice to
any of the undersigned, whether as co-makers, endorsers, guarantors, sureties,
assigns or otherwise, without affecting the liability of any of undersigned
hereof or any partner of any undersigned hereof.

     Upon any transfer of this note, the undersigned hereby waiving notice of
any such transfer, the Bank may deliver the Collateral or any part thereof to
the transferee who shall thereupon become vested with all the rights herein or
under applicable law given to the Bank with respect thereto and the Bank shall
thereafter forever be relieved and fully discharged from any liability or
responsibility in the manner; but the Bank shall retain all rights hereby given
to it with respect to any Liabilities and Collateral not so transferred. No
modification or waiver of any of the provisions of this note shall be effective
unless in writing, signed by the Bank, and only to the extent therein set forth;
nor shall any such waiver be applicable except in the specific instance for
which given. This agreement sets forth the entire understanding of the parties,
and the undersigned acknowledges that no oral or other agreements, conditions,
promises, understanding, representations or warranties exist in regard to the
obligations hereunder, except those specifically set forth herein.

     If the undersigned is a partnership, the agreement herein contained shall
remain in force and applicable, notwithstanding any changes in the individuals
composing the partnership or any release of any partner or partners and their
partners shall not thereby be released from any liability. If this note is
signed by more than one party, the terms "undersigned", as used herein, shall
include mean the "undersigned and each of them" and each undertaking herein
contained shall be their joint and several undertaking, provided, however, that
in the phrases "of the undersigned", "by the undersigned", "against the
undersigned", "for the undersigned", "to the undersigned", and "on the
undersigned", the term "undersigned" shall mean the "undersigned or any of
them"; and the Bank may release or exchange any of the Collateral belonging to
any of the parties hereto and it may renew or extend any of the liabilities of
any of them and may take additional advances or extensions of credit to any of
them or release or fail to set off any deposit account or credit to any of them
or grant other indulgences to any of them, all from time to time, before or
after maturity hereof, with or without further notice to or assent form any of
the other parties hereto. Each reference herein to the Bank shall be deemed to
include its successors, endorsees and assigns, in whose favor the provisions
hereof shall also insure. Each reference herein to the undersigned shall be
deemed to include the heirs, executors, administrators, legal representatives,
successors and assigns of the undersigned, all of whom shall be bound by the
provisions hereof.

     The provisions of this note shall be construed and interpreted and all
rights and obligations hereunder determined in accordance with the laws of the
State of New York, and, as to interest rates, applicable Federal law.

/s/ Melissa Turner Goett                /s/ Vincent W. Goett
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Melissa Turner Goett                    Vincent W. Goett


Address:                                Address:
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