DO NOT DESTROY THIS NOTE: When paid, this note and the Deed of
Trust must be surrendered to GLENN COUNTY TITLE COMPANY with
request for reconveyance.

                         INSTALLMENT NOTE

                         (INTEREST EXTRA)
           (This note contains an acceleration clause)

$243,430.00         Willows, California      January 17, 1996

IN INSTALLMENTS AN AT THE TIMES HEREINAFTER STATED, FOR VALUE
RECEIVED MUKHTAR AHMAD AND NAZRA P. AHMAD, husband and wife as
joint tenants PROMISE TO PAY TO:
WILLOWS RANCH GROUP, a California partnership, consisting of SHF
ACQUISITION GROUP, a Nevada corporation, as Partner and 500 FIRST
STREET, A California general partnership, as Partner  OR ORDER,
AT 4045 So. Spencer Street, Suite 206, Las Vegas NV 89119 THE
PRINCIPAL SUM OF TWO HUNDRED FORTY THREE THOUSAND FOUR HUNDRED
THIRTY --- (243,430.00 --DOLLARS, WITH INTEREST FROM FEBRUARY 1,
1996 ON THE AMOUNTS OF PRINCIPAL REMAINING FROM TIME TO TIME
UNPAID, UNTIL SAID PRINCIPAL SUM IS PAID, AT THE RATE OF EIGHT
AND ONE-QUARTER (8.25%) PER CENT, PER ANNUM, PAYABLE WITH
PRINCIPAL. SAID PRINCIPAL SUM DUE IN ANNUAL INSTALLMENTS OF
TWENTY FOUR THOUSAND THREE HUNDRED FORTY THREE DOLLARS
($24,343.00), OR MORE ON THE 1ST DAY OF EACH AND EVERY FEBRUARY,
BEGINNING ON THE FIRST DAY OF FEBRUARY 1997; AND CONTINUING UNTIL
FEBRUARY 1, 2001 WHEN THE THEN REMAINING BALANCE OF PRINCIPAL AND
ACCRUED INTEREST SHALL BE ALL DUE AND PAYABLE.

THE DEED OF TRUST SECURING THIS NOTE CONTAINS THE FOLLOWING
PROVISION: If the trustor shall sell, convey or alienage said
property, or any part thereof, or any interest therein, or shall
be divested of his title or any interest therein in any manner or
way, whether voluntarily or involuntarily, without the written
consent of the beneficiary being first had and obtained
beneficiary shall have the right, at its option, except as
prohibited by law, to declare any indebtedness or obligations
secured hereby, irrespective of the maturity date specified in
any note evidencing the same, immediately due and payable.

Each payment shall be credited first, on the interest then due;
and the remainder on the principal sum; and interest shall
thereupon cease upon the amount so credited on the said principal
sum.  Should default be made in the payment of any of said
installments when due, then the whole sum of principal and
interest shall become immediately due and payable at the option
of the holder of this note.  Should suit be commenced to collect
this note or any portion thereof, such sum as the Court may deem
reasonable shall be added hereto as attorney's fees.  Principal
and interest payable in lawful money of the United States of
America.  This note is secured by a certain DEED OF TRUST to
Glenn County Title Company, A corporation.


 
letter (continued)

/s/ MUKHTAR AHMAD                  /s/ NAZRA P. AHMAD
MUKHTAR AHMAD                      NAZRA P. AHMAD

By: /s/                            By: /s/
HIS ATTORNEY IN FACT               HER ATTORNEY IN FACT

THE PARTNERS OF THE HOLDER OF THIS NOTE, WILLOWS RANCH GROUP,
UPON ITS CREATION, HEREBY  SET OUT THEIR RESPECTIVE INTEREST
WITHIN THIS NOTE AS FOLLOWS:
     SHF ACQUISITION GROUP, a Nevada corporation as to an
undivided $223,743.00/ 243,430ths; and 500 FIRST STREET, a
California General Partnership as to an undivided $19,686.00/
243,300ths.

SHF ACQUISITION GROUP                   500 FIRST STREET
a Nevada corporation          A California General Partnership

by: /s/ James H. Dale              By:  /s/ William H. Maddocks
James Dale, President                   William H. Maddocks

by: / /                            By:  /s/ Kenneth Wallace
                                        Kenneth Wallace
                                        
                                   By:  /s/ Kent N. Calfee
                                        Kent N. Calfee



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