Exhibit 10.20

NEITHER THIS WARRANT NOR ANY SHARES OF COMMON STOCK ISSUABLE UPON THE EXERCISE
OF THIS WARRANT HAVE BEEN REGISTERED  UNDER THE SECURITIES ACT OF 1933, AS 
AMENDED, AND THE RULES AND REGULATIONS PROMULGATED THEREUNDER (THE  "SECURITIES
ACT"). THIS WARRANT AND THE COMMON STOCK ISSUABLE UPON EXERCISE OF THIS WARRANT 
MAY NOT BE OFFERED,  SOLD, OR OTHERWISE TRANSFERRED IN THE ABSENCE OF 
REGISTRATION UNDER THE  SECUlUTIES  ACT OR SUCH  OFFER,  SALE  OR  TRANSFER  IS 
EXEMPT  FROM  SUCH REGISTRATION.

                    COMMON STOCK PURCHASE WARRANT CERTIFICATE

                            Dated: September 30, 1996

                                    Warrants

                           to Purchase 300,000 Shares

                   of Common Stock, S0.001 Par Value Per Share

     EXSORBET  INDUSTRIES,  INC., an Idaho  corporation (the "Company"),  hereby
certifies that American Physician Service Group, Inc., its successors and assign
(collectively,  the "Holder"),  for value received, is entitled to purchase from
the Company at any time  commencing on October 1, 1996 and ending on December 5,
1996 up to 300,000  shares (the  "Shares") of the Company's  common  stock,  par
value S0.001 per share (the "Common Stock"),  at a price of S2.75 per share (the
"Exercise Price").

     1.  Exercise of Warrants. Upon  presentation  and  surrender of this Common
Stock Purchase Warrant Certificate ("Warrant Certificate" or "this Certificate")
during the Exercise Period,  with the attached  Purchase Form duly executed,  at
the administrative  office of the Company at 1401 South Waldron Road, Suite 201,
Fort Smith,  Arkansas 72903, together with a check payable to the Company in the
amount of the Exercise Price multiplied by the number of Shares being purchased,
the  Company  will cause its  Transfer  Agent to  deliver to the holder  hereof,
certificates  of Common  Stock which in the  aggregate  represent  the number of
Shares being purchased. All or less than all of the Warrants represented by this
Certificate  may be exercised and, in case of the exercise of less than all, the
Company,  upon  surrender  hereof,  will  deliver  to the  holder a new  Warrant
Certificate representing the number of shares which have not been exercised.

     2. Exercise  Period.  The right to acquire shares of the Company pursuant
to this Warrant Certificate shall commence on October 1, 1996 and terminate upon
December 5, 1996 (the "Exercise  Period").  After December 5, 1996, this Warrant
Certificate  shall  become null and void with  respect to any  remaining  shares
which could have been,  but were not,  acquired by the Holder  hereof during the
Exercise Period.

     3. Rights and Obligations of Holders of this Certificate. (a) The Holder of
this  Certificate  shall not, by virtue  hereof,  be entitled to any rights of a
stockholder in the Company, either at law or in equity; provided,  however, that
in the  event  any  certificate  representing  shares  of  Common  Stock or otha
securities  is issued to the holder  hereof upon  exercise of some or all of the
Warrants,
<PAGE>

such  holder  shall,  for all  purposes,  be deemed to have become the holder of
record of sueh Common Stock on the date on which this Certificate, together with
a duly executed  Purchase  Form,  was  surrendered  and payment of the aggregate
Exercise  Price was made,  irrespective  of the date of  delivery  of sueh share
certifieate.

     (b) In case the Company  shall (i) pay a dividend in Common Stock or make a
distribution in Common Stock, (ii) subdivide its outstanding Common Stock into a
greater number of shares,  or (iii) combine its outstanding  Common Stock into a
smaller  number of shares  (including a  recapitalization  in connection  with a
consolidation  or merger in which the  Company is the  continuing  corporation),
then the  Exercise  Price on the record date of such  division or the  effective
date of such action shall be adjusted by  multiplying  such Exereise  Price by a
fraction,  the  numerator  of which is the  number of  shares  of  Common  Stock
outstanding  immediately  before such event and the  denominator of which is the
number of shares of Common Stock  outstanding  immediately  after such event and
the number of shares of Common Stock for which this Warrant  Certificate  may be
exercised  immediately  before such event shall be adjusted by multiplying  such
number by a fraction,  the numerator of which is the Exercise Price  immediately
before such event and the denominator of which is the Exercise Price immediately
after such event.

     ( c) In case of any  consolidation  or merger of the  Company  with or into
another corporation (other than any consolidation or merger in which the Company
is the  continuing  corporation  and  which  does not  result  in any  increase,
decrease,  or other  reclassification of the outstanding shares of Common Stock)
or the  conversion  of such  outstanding  shares of Common  Stock into shares or
other  stock or other  securities  or  property,  or the sale or transfer of the
property of the Company as an entirety or  substantially  as an entirety,  there
shall be deliverable  upon exercise of the Warrant  Certificate  (in lieu of the
number of shares of Common Stock  theretofore  deliverable) the number of shares
of stock or other  securities  or  property  to which a holder of the  number of
shares of Common  Stoek which would  otherwise  have been  deliverable  upon the
exercise of this Warrant  Certificate  would have been entitled upon such action
if this Warrant Certifieate had been exercised immediately prior to such action.

     4. Common Stock. (a) The Company covenants and agrees that all shares of 
Common Stock issuable upon exercise of this Warrant Certificate will, upon 
delivery, be duly and validly authorized and issued, fully-paid and 
non-assessable.

     (b) The  Company  covenants  and agrees that it will at all times prior to
expiration of this Warrant  Certificate reserve and keep available an authorized
number of shares of its Common Stock and other applicable  securities sufficient
to permit the exercise in full of all outstanding options,  warrants and rights,
including the Warrants.

     5.  Issuance  of Certificates.  As soon as  possible  after full or partial
exercise of this Warrant,  but in any event no more than five (5) business days,
the  Company,  at its  expense,  will  cause to be issued in the name of the and
delivered to the holder of this  wanant, a certificate or  certificates  for the
number of fully  paid and  non-assessable  shares of Common  Stock to which that
holder shall be entitled on such exercise. No Fractional shares will be issued 
on exercise of this Warrant. If on any exercise of this Warrant, a fractional 
share results, the Company will pay the cash value of that
<PAGE>

fractional  share,  calculated  on the  basis of the  Exercise  Price.  All such
certificates shall  bear a  restrictive  legend to the  effect  that the  Shares
represented by such certificate have not been registered under the Securities 
Act of 1933,  as  amended,  and the  Shares  may not be sold or  transferred  
in the absence  of such  registration  or an  exemption  therefrom,  such  
legend to be substantially  in the form of the bold face language  appeanng on
Page l of this Warrant Cenificate.

     6.  Disposition  of  Warrants  or  Shares.   The  holder  of  this  Warrant
Certificate, each transferee hereof and any holder and transferee of any Shares,
by his or its acceptance thereof, agrees that no public distribution of Warrants
or Shares will be made in violation  ofthe  provisions of the  Securities Act of
1933,  as  amended,  and  tbe  rules  and  regulations   promulgated  thereunder
(collectively, the "Act").

     7.  Notices.  Except as otherwise  specified  herein to the  contrary,  all
notices,  requests,  demands and otber communications  required or desired to be
given  hereunder  shall only be  effective  if given in writing by  certified or
registered mail, return receipt requested,  postage prepaid,  or by U.S. express
mail service or private overnight  courier service sucb as Federal Express.  Any
such  notice  shall  be  deemed  to have  been  given  (a) on tbe  business  day
immediately  subsequent  to mailing,  if sent by U.S.  express  mail  service or
private overnight courier  service,  or (b) five (5) business days following the
mailing  thereof,  if mailed by certified or registered  mail,  postage prepaid,
return  receipt  requested,  and all such notices shall be sent to the following
addresses (or to such other address or addresses as a party may have advised the
other in the manner provided in this Section):

If to the Company:

Charles E. Chunn, Jr.
1401 South Waldron Road, Suite 201
Fort Smith, AR 72903

If to the Holder:

Duane K. Boyd, Jr. 1301 Capital of Texas Highway Suite C-300 Austin, TX 78746.

   8. Goveming Law. This Warrant Certificate and all rights and obligations 
hereunder shall be deemed to be made under and govemed by the laws of the State 
of Texas without giving effect to the conflicts of laws provisions.

   9. Successors and Assigns. This Warrant Certificate shall be binding upon and
shall inure to the benefit of the parties hereto and their respective successors
and assigns.

   10. Headings. The headings of various sections of this Warrant Certificate 
have been inserted for reference only and shall not be a part of this 
Certificate.
<PAGE>

     IN WITNESS WHEREOF,  the Company has caused this Warrant  Certificate to be
duly executed,  manually or by facsimile,  by one of its officers hereunto duly
authorized.

EXSORBET INDUSTRIES, INC.

Date: September 30, 1996

By:

   Executive Vice-President
<PAGE>

                              ELECTION TO PURCHASE

                           To Be Executed by the Holder
                      in Order to Exercise the Common Stock
                          Purchase Warrant Certificate

     The undersigned Holder hereby irrevocably elects to exercise ______ of the
Warrants represented by this Common Stock Warrant  Certificate,  and to purchase
the shares of Common  Stock  issuable  upon the  exercise of such  Warrants  and
requests that certificates for securities be issued in the name of:

--------------------------------------------------
(Please type or print name and address)

--------------------------------------------------

--------------------------------------------------
(Social Security or tax identification number)

and delivered to _________________________________

(Please type or print name and addras)

and, if such number of Warrants shall not be all the Warrants  evidenced by this
Common Stock Warrant  Certificate,  that a new Common Stock Warrant Certificate
for the balance of such Warrants be registered in the name of, and delivered to,
the Holder at the address stated below.

     In  full  payment  of the  purchase  price  with  respect  to tne  Warrants
exercised and transfer taxes, if any, the undersigned  hereby tenders payment of
S _______ by check or money  order  payable in United  States  currency  to the
order of Exsorbet Industries, Inc., or its successor.

                                   American Physicians Service Group, Inc.

Dated:___________                  By:___________________________________
                                      Name:
                                      Title:
                                   
                                   --------------------------------------
                                                  (Address)
                                   --------------------------------------
                                   
                                   --------------------------------------
                                  (Social Security or tax identification number)
<PAGE>



Exchange Act General Rules and Regulations

     Note:  "Policy-making  function" is not  intended to include  policy-making
functions that are not  significantt.  If pursuant to Item 401 (b) of Regulation
S-K the issuer  identifies  a person as an  "executive  officer," it is presumed
that the Board of  Directors  has made that  judgment  and that the  persons  so
identified  are the  officers for purposes of Section 16 of the Act, as are such
other persons enumerated in this paragraph (f), but not in Item 401 (b).

(g) The term "portfolio securities" shall mean all securities owned by an 
entity, other that securities issued by the entity.

     (h) Tbe term "put  equivalent  position"  shall mean a derivative  security
position that increases in value of the underlying equity decreases,  including,
but not limited to, a long put option and a short call option position.

Rule 16a-2. Persons and Transactions Subject to Section 16.

     Any person who is the beneficial  owner,  directly or  indirectly,  of more
that 10  percent  of any class of  equity  securities  ( 10 percent  beneficial
owner") registered pursuant to Section 12 of the Act, any director or officer of
the issuer of such securities,  and any person specified in Section 17(a) of the
Public  Utility  Holding  Company Act of 193S or Section 30(f) of tbe Investment
Company Act of 1940,  including  any person  specified  in Rule 16a-8,  shall be
subject to the  provisions  of Section 16 of the Act. The rules under Section 16
of the Act apply to any class of equity  securities of an issuer  whether or not
registered  under Section of the Act. The rules under Section 16 of the Act also
apply to nonequity  securities as provided by the Public Utility Holding Company
Act of 1935 and the Investment Company Act of 1940. With respect to transactions
by persons subject to Section 16 of the Act:

     (a) A transaction(s) carried out by a director or officer in the six months
prior to the director or officer  becoming subject to Section 16 oftbe Act shall
be subject to Section 16 of the Act reported on tbe first  required  Form 4 only
if tbe transaction(s)  occurred within six months of the transaction giving rise
to the Form 4 filing  obligation  and the director or officer became  subject to
Section 16 of tbe Act solely as a result of the  issuer  registering  a class of
equity securities pursuant to Section 12 of the Act.

     (b) A  transaction(s)  following  cessation  of director or officer  status
shall be subject to Section 16 of the Act only if executed  within six months of
a transaction that occurred while that person was a director or officer.

     (c )  The  transaction  that  results  in a  person  becoming  a 10 percent
beneficial  owner is not  subject  to  Section  16 of the Act  unless the person
otherwise is subject to Section 16 of the Act. A 10 percent beneficial owner not
otherwise subject to Section 16 of the Act must report  only those  transactions
conducted  while  tbe  beneficial  owner of more that 10  percent  of a class of
equity securities of tbe issuer registered pursuant to Section 12 of the Act.

     (d) (1)  Transactions  by a  person  or  entity shall  be  exempt  from the
provisions of Secdon 16 of the Act for the 12 months  following  appointment and
qualification, to the extent such person or entity is acting as:

(i) Executor or administrator of tbe atate of a decedent;

(ii) Guardian or member of a committee for an incompetent;

(iii)  Receiver,  trustee  in  bankruptcy,  assignee  for  tbe  benefit  of
creditors, conservator, liquidating agent, or other similar person duly 
authorized by law to administer the estate or assets of another person; or

(iv) Fiduciary in a similar capacity.

(Bulletin Not 14S,06-10-94)