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                                                                   EXHIBIT 10.20

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED
("ACT"), NOR HAS IT BEEN REGISTERED OR QUALIFIED UNDER THE SECURITIES LAWS OF
ANY STATE. NO TRANSFER OF THIS NOTE WILL BE PERMITTED UNLESS A REGISTRATION
STATEMENT UNDER THE ACT IS IN EFFECT AS TO SUCH TRANSFER, THE TRANSFER IS MADE
IN ACCORDANCE WITH RULE 144 UNDER THE ACT OR AS OTHERWISE PERMITTED BY BORROWER,
OR IN THE OPINION OF COUNSEL SATISFACTORY TO BORROWER REGISTRATION UNDER THE ACT
IS UNNECESSARY IN ORDER FOR SUCH TRANSFER TO COMPLY WITH THE ACT AND WITH
APPLICABLE STATE SECURITIES LAWS.

                                PROMISSORY NOTE

Principal Amount:                                                   New York, NY
$100,000.00                                                      October 1, 1999

          FOR VALUE RECEIVED, the undersigned, Orbittravel.com, Inc.
("Borrower"), a Delaware corporation and wholly-owned subsidiary of Divot Golf
Corporation, promises to pay to the order of ___________________ ("Lender"), in
lawful money of the United States of America, the principal sum of One Hundred
Thousand and No/100 Dollars ($100,000.00) plus simple interest thereon from the
date hereof until this Note is paid in full.

      1.  Repayment of the Principal Sum. The Principal Sum shall be due and
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payable in one (1) installment of One Hundred Thousand and No/100
Dollars ($100,000.00) 180 days following the date set forth above (the
"Maturity Date").
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      2.  Interest. Interest shall not accrue on the Principal Sum until ninety
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(90) days following the date set forth above (the "Interest Accrual Date"). From
the Interest Accrual Date until the Maturity Date, interest shall accrue on the
unpaid Principal Sum at the rate of seven percent (7%) per annum. Unless this
Note is converted in accordance with Section 3 below, accrued and unpaid
interest shall be payable, together with the unpaid Principal Sum, on the
Maturity Date. If the Maturity Date should fall on a weekend or national
holiday, payment shall be due on the following business day. Interest on this
Note shall be computed on the basis of the actual number of days elapsed during
which the unpaid Principal Sum is outstanding, divided by a year of three
hundred sixty-five (365) days. All payments under this Note shall be applied
first to the payment of accrued and unpaid interest with the remainder applied
to the unpaid Principal Sum in inverse chronological order.

      (a) Increased Rate After Maturity Date: If, by the Maturity Date, (i) this
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Note has not been converted in accordance with its terms or (ii) the Borrower
does not repay the Principal Sum and any accrued accrued interest thereon, then
the interest rate attributable to the Principal Sum shall increase to twelve
percent (12%) per annum.


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      3. Conversion: All principal and interest represented by this Note shall
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automatically convert into fully paid and non-assessable shares of the common
stock of Divot Golf Corporation ("Divot") at the price (the "Conversion Price")
of Fifty Cents ($.50) per share, immediately upon the closing (the "Closing") of
a merger transaction (the "Merger") between the Borrower and Divot, without any
                                                                    -----------
action on the part of the Lender. The agreement relating to the Merger (the
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"Merger Agreement") shall provide for and reflect the conversion provision set
forth in this Section 3.

      4.  Registration of Conversion Shares: Any shares of Divot issued to
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Lender in accordance with the conversion right set forth in Section 3 of this
Note (the "Conversion Shares") shall, following the Closing, be registered by
Divot (so that Lender's Conversion shares shall become freely tradable to the
public by the Lender) as follows: (i) fifty percent (50%) of the Conversion
Shares within ninety (90) days following the Closing (the "Effective
Registration Date"); and (ii) twenty five percent (25%) of the aggregate amount
of the Conversion Shares at the following times: (a) ninety (90) days following
the Effective Registration Date; and (b) one hundred eighty (180) days following
the Effective Registration Date. The Merger Agreement shall provide for and
reflect the registration provision set forth in this Section 4.

      5.  Representations and Warranties of Borrower. Borrower represents and
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warrants that:

      (a) Borrower is a corporation duly organized and existing under the laws
          of the state of Delaware. It has the power to own its property and to
          carry on its business as it is now being conducted;

      (b) Borrower has full power and authority (corporate and other) to borrow
          the sums provided for in this Note, to execute and deliver this Note
          and any other instrument or agreement required under this Note, and to
          perform and observe the terms and provisions of this Note and of all
          such other notes, instruments, and agreements;

      (c) The officers of Borrower executing this Note are duly and properly in
          office and fully authorized to execute it; and

      (d) This Note has been duly authorized, executed, and delivered by
          Borrower, and is a legal, valid, and binding agreement of Borrower,
          enforceable against it in accordance with its terms, and any other
          instrument or agreement required under this Note has been so
          authorized and, when executed and delivered, will be similarly valid,
          binding, and enforceable.

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      6.  Events of Default. The occurrence of any of the events set out below
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(Events of Default) shall, at the option of the Lender, make all interest and
principal remaining on due under this Note immediately due and payable, without
notice of default, presentment or demand for payment, protest or notice of
nonpayment or dishonor, or other notices or demands of any kind, except as
specified herein:

      (a) Borrower shall fail to pay, within ten (10) days after the date when
          due, any installment of interest or principal in accordance with the
          terms of this Note;

      (b) Any representation or warranty by Borrower in this Note or in any
          agreement, instrument, or certificate executed under this Note shall
          prove to have been false or misleading in any material respect when
          made;

      (c) Borrower shall file any petition or action for relief under any
          bankruptcy, arrangement, reorganization, insolvency, or moratorium
          law, or any other law or laws for the relief of or relating to
          debtors, or shall, with respect to any involuntary petition or action
          for relief under such law or laws, consent or fail to timely object to
          the relief requested in such petition;

      (d) An involuntary petition shall be filed under any bankruptcy statute
          against Borrower, or a receiver, trustee, custodian, or similar
          officer of the court shall be appointed to take possession of all or
          any substantial part of Borrower's properties, unless such petition or
          appointment is dismissed or withdrawn or ceases to be in effect within
          sixty (60) days from the date of the filing or appointment;

      7.  Notices. Any communications between the parties or notices provided
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for in this Note may be given by mailing them, first class, postage prepaid, to
Lender at:

Attn: ___________________
      ___________________
      ___________________
      ___________________

and to Borrower at:
      OrbitTravel.com, Inc.
      One Union Square South, No. 10-J,
      New York, NY 10003
      Attention: Joseph R. Cellura, Chairman & CEO

or to such other address as either party may indicate to the other in writing
after the date of this Note.

      8.  Assignment. This Note shall bind and inure to the benefit of the
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parties and their respective successors and assigns; provided, however, that
Borrower shall not assign this Note or

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any of the rights, duties, or obligations of Borrower under this Note without
the prior written consent of Lender.

      9.  No Waiver. No delay or omission to exercise any right, power, or
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remedy accruing to Lender on any breach or default of Borrower under this Note
shall impair any such right, power, or remedy of Lender, nor shall it be
construed to be a waiver of any such breach or default, or an acquiescence in
such breach or default, or waiver of or acquiescence in any similar breach or
default occurring later; nor shall any waiver of any single breach or default be
considered a waiver of any other prior or subsequent breach or default. Any
waiver, permit, consent, or approval of any kind by Lender of any breach or
default under this Note, or any waiver by Lender of any provision or condition
of this Note, must be in writing and shall be effective only to the extent
specifically set forth in that writing. All remedies, either under this Note or
by law or otherwise afforded to Lender, shall be cumulative and not alternative.

      10. Attorney's Fees. In the event of any legal action or suit in relation
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to this Note or any note or other instrument or agreement required under this
Note, or in the event that Lender incurs any legal expense in protecting its
rights under this Note or under any security agreement in any legal proceeding,
Borrower, in addition to all other sums which Borrower may be called on to pay,
will pay to Lender the amount of such legal expense and will, if Lender prevails
in such action, pay to Lender a reasonable sum for its attorney's fees and all
other costs and expenses.

      11. Governing Law. This Note shall be interpreted under the laws of the
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State of New York, without giving effect to the conflict of law principles
thereof.


                                        OrbitTravel.com, Inc.
                                        a Delaware Corporation



                                        By:____________________________
                                             Joseph R. Cellura
                                             Chairman and CEO

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