Pay to the order of The Resolution Trust Corporation, as
Receiver for San Antonio Savings Association, F.A.

     This endorsement is attached to and made a part of that
certain Promissory Note in the original principal amount of $-
79,200.00 dated December 7, 1994, made by Raymond L. James and
Cheryle James, husband and wife, in favor of SHF Acquisition
Corporation, a Nevada corporation.

     Dated: Nov 6, 1995

                                         SHF ACQUISITION CORPORATION,
                                         a Nevada corporation

                                         By: /s/ James H. Dale
                                         Title:  President                


                                         When paid, this note, if
DO NOT DESTROY THIS NOTE:                secured by Deed of Trust, must
                                         be surrendered to Trustee for
                                         cancellation, before
                                         reconveyance will be made
                    
                 
                        PROMISSORY NOTE
                 (Interest Included Until Paid)

$79,200.00                 Orangevale            December 7, 1994

     For value received, RAYMOND L. JAMES and CHERYLE JAMES,
husband and wife as community property, promise to pay to SHF
ACQUISITION CORPORATION, a Nevada corporation, or order at 4183
Jackson Road, Rancho Murieta, California 95683, the principal sum
of Seventy-Nine Thousand Two Hundred and No/100th Dollars with
interest from date of recording on unpaid principal at the rate of
ten percent (10%) per annum; principal and interest payable as
follows:  36 equal consecutive, monthly installments of interest
only at $660.00 or more, with the first such installment due on or
before January 14, 1995 and continuing on the same day of each
month until complete and one FINAL BALLOON payment of principal and
interest due on or before December 14, 1997 in the amount of
Seventy Nine Thousand Eight Hundred and No/100 Dollars.

     The holder of this note shall, not less than 60 days nor more
than 150 days before the balloon payment is due, deliver or mail by
first-class mail to the trustor, or his or her successor in
interest, at the last known address of such person a written notice
to include:

     (1)  A statement of the name and address of the person to whom
the balloon payment is required to be paid.

     (2)  The date on or before which the balloon payment was or is
required to be paid.

     (3)  The amount of the balloon payment, or if its exact amount
is unknown a good faith estimate of the amount thereof, including
unpaid principal, interest, and any other charges (assuming payment
in full of all scheduled installments coming due between the date
of the notice and the date when the balloon payment is due).

     (4)  A description of the trustor s right, if any, to refinance
the balloon payment, including a summary of the actual terms of the
refinancing or an estimate or approximation thereof, to the extent
known.

     This note is subject to SECTION 2966 of the Civil Code, which
provides that the holder of this note shall give written notice to
the trustor, or his successor in interest, of prescribed
information at least 60 and not more than 150 days before any
balloon payment is due.

     *If the trustor shall sell, convey or alienate 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 to declare any indebtedness or obligations
secured hereby, immediately due and payable irrespective of the
maturity date specified in any note evidencing the same.

     Each payment shall be credited first on interest then due and
the remainder on principal.

     Should default be made in payment of any installment when due,
the whole sum of principal and interest shall become immediately
due at the option of the holder of this note, without notice;
principal and interest payable in lawful money of the United
States.  If action be instituted on this note, maker shall pay such
sum as the Court may fix as attorney s fees.  This note is secured
by a DEED OF TRUST OF EVEN DATE.  LATE CHARGE:  SUBJECT TO ANY
NOTICE REQUIRED BY LAW.  MAKER AGREES TO PAY A LATE CHARGE OF 6% OF
THE OVERDUE INSTALLMENT OR $5.00 WHICHEVER IS GREATER, IF PAYMENT
IS NOT MADE WITHIN 10 DAYS OF ITS DUE DATE.

1.  Cash Price . . . . . . . . . . $            $ 99,000.00
2.  Less:  Cash Down Payment . . . $
3.  Other. . . . . . . . . . . . .  
4.  Total Down Payment . . . . . . $            $ 19,800.00
5.  Unpaid Balance of Cash Price .              $ 79,200.00
6.  Other Charges. . . . . . . . .              $
7.  Amount Financed (5 + 6). . . .              $ 79,200.00
8.  FINANCE CHARGE . . . . . . . .              $ 23,760.00
9.  Total of Payments  . . . . . .              $102,960.00
10. Deferred Payment Price (1 + 8)              $122,760.00
11. ANNUAL PERCENTAGE RATE . . . .              $     10   %

                        NOTICE TO BUYER
    YOU HAVE THE OPTION TO CANCEL YOUR CONTRACT OR AGREEMENT OF SALE BY
NOTICE TO THE SELLER UNTIL MIDNIGHT OF THE SEVENTH DAY FOLLOWING
THE SIGNING OF THE CONTRACT OR AGREEMENT.

                        CAUTION TO BUYER
    IF YOU DO NOT HAVE THE FUNDS TO PAY THE BALLOON PAYMENT WHEN DUE,
IT MAY BE NECESSARY FOR YOU  TO OBTAIN A NEW LOAN AGAINST YOUR
PROPERTY FOR THIS PURPOSE.  NEITHER THE SELLER NOR THE LENDER IS
UNDER ANY OBLIGATION TO REFINANCE THE PROPERTY.

I acknowledge receipt of a
copy of this note and of the
Deed of Trust securing
payment of this note.              Dated Executed December 9, 1994

                                   /s/ Raymond L. James

                                   /s/ Cheryle James





                                                                      MAKER



Order No.
Escrow No. 719855-KJ
Loan No.

WHEN RECORDED MAIL TO:

SHF Acquisition Corporation
P.O. Box 1410
Davis, CA  95617

             DEED OF TRUST WITH ASSIGNMENT OF RENTS
      (This Deed of Trust contains an acceleration clause)

This DEED OF TRUST, made the 7th day of  December, 1994, between
RAYMOND L. JAMES and CHERYLE JAMES, husband and wife, as community
property, herein called TRUSTOR, whose address is 3050 Fite Circle
#112, Sacramento, California 95827, FOUNDERS TITLE COMPANY of
Sacramento County, a California corporation, herein called TRUSTEE,
and SHF ACQUISITION CORPORATION, a Nevada Corporation, herein
called BENEFICIARY.

 WITNESSETH:  That Trustor grants to Trustee in Trust, with Power
of sale, that property in the unincorporated area.

County of Sacramento, State of California, described as:

Lot No. 3155, as shown upon that certain "Plat of Rancho Murieta
Unit No. 6, filed in the office of the County Recorder of
Sacramento County, State of California, on January 9, 1991, in Book
213 of Maps, Map No. 6.

NOTICE TO BUYER:  YOU HAVE THE OPTION TO CANCEL YOUR CONTRACT OR
AGREEMENT OF SALE BY NOTICE TO THE SELLER UNTIL MIDNIGHT OF THE
SEVENTH DAY FOLLOWING THE SIGNING OF THE CONTRACT OR AGREEMENT.

If the trustor shall sell, convey or alienate 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, immediately due and
payable irrespective of the maturity date specified in any note
evidencing the same.

TOGETHER WITH rents, issues and profits thereof, SUBJECT, HOWEVER,
to the right, power and authority given to and conferred upon
Beneficiary by paragraph (10) of the provisions incorporated herein
by reference to collect and apply such rents, issues and profits.

For the Purpose of Securing:  1.  Performance of each agreement of
Trustor incorporated by reference or contained herein.  2.  Payment
of the indebtedness evidenced by one promissory note of even date
herewith, and any extension or renewal thereof, in the principal
sum of $79,200.00 executed by Trustor in favor of Beneficiary or
order.  3.  Payment of such further sums as the then record owner
of said property hereafter may borrow from Beneficiary, when
evidenced by another note (or notes) reciting it is so secured.


To Protect the Security of this Deed of Trust.  Trustor Agrees:  By
the execution and delivery of this Deed of Trust and the note
secured hereby, that provisions (1) to (14), inclusive, of the
fictitious deed of trust recorded in Santa Barbara County and
Sonoma County October 18, 1961, and in other counties October 23,
1961, in the book and at the page of Official Records in the office
of the county recorder of the county where said property located,
noted below opposite the name of such county, viz:

<TABLE>
<CAPTION>
COUNTY       BOOK  PAGE  COUNTY        BOOK  PAGE  COUNTY          BOOK  PAGE  COUNTY        BOOK  PAGE

<S>          <C>   <C>   <S>           <C>   <C>   <S>             <C>   <C>   <S>           <C>   <C>
Alameda      435   684   Kings         792   833   Placer          895   301   Sierra        29    335
Alpine       1     250   Lake          362   39    Plumas          151   5     Siskiyou      468   181
Amador       104   348   Lansen        171   471   Riverside       3005  523   Solano        1105  182
Butte        1145  1     Los Angeles   12055 899   Sacramento      4331  62    Sonoma        1851  689
Calaveras    145   152   Madera        810   170   San Benito      271   383   Stanislaus    1715  456
Colusa       296   617   Marin         1508  339   San Bernardino  5567  61    Sutter        572   297
Contra Costa 3978  47    Mariposa      77    292   San Francisco   A332  905   Tehama        401   289
Del Norte    78    414   Mendocino     579   530   San Joaquin     2470  311   Trinity       93    366
El Dorado    568   456   Merced        1547  538   San Luis Obispo 1151  12    Tulare        2294  275
Fresno       4626  572   Modoc         184   851   San Mateo       4078  420   Tuelumne      135   47
Glenn        422   184   Mono          52    429   Santa Barbara   1878  860   Ventura       2062  386
Humboldt     657   527   Monterey      2194  538   Santa Clara     5336  341   Yolo          653   245
Imperial     1091  501   Napa          639   86    Santa Cruz      1431  494   Yuba          334   486
Inyo         147   598   Nevada        305   320   Shasta          684   528
Kern         3427  60    Orange        5889  611   San Diego Series 2 Book 1961, Page 183887
</TABLE>

(which provisions, identical in all counties, are printed on the
reverse hereof) hereby are adopted and incorporated herein and made
a part hereof as fully as though set forth herein at length; that
he will observe and perform said provisions; and that the
references to property, obligations, and parties in said provisions
shall be construed to refer to the property, obligations, and
parties set forth in this Deed of Trust.

     The undersigned Trustor requests that a copy of any Notice of
Default and of any Notice of Sale hereunder be mailed to him at his
address hereinbefore set forth.

STATE OF CALIFORNIA )
                    )  SS.                  Signature of Trustor
COUNTY OF           )                 /s/ RAYMOND L. JAMES
                                      RAYMOND L. JAMES
On            before me, the
undersigned, a Notary Public          /s/ CHERYLE JAMES
in and for said State, personally     CHERYLE JAMES
appeared


                  , proved upon
satisfactory evidence OR
personally known to me
to be the person(s) whose
name(s)     subscribed to the
within instrument and
acknowledged that 
executed the same.
WITNESS my hand and official seal.

Signature

Name (Typed or Printed)                         (This area for official
                                                 notary seal)





     The following is a copy of provisions (1) to (14), inclusive, of the
fictitious deed of trust, recorded in each county in California, as
stated in the foregoing Deed of Trust and incorporated by reference in
said Deed of Trust as being a part thereof as if set forth at length
therein.
To Protect the Security of This Deed of Trust, Trustor Agrees:
     (1)  To keep said property in good condition and repair, not to remove
or demolish any building thereon, to complete or restore promptly and in
good and workmanlike manner any building which may be constructed,
damages or destroyed thereon and to pay when due all claims for labor
performed and materials furnished therefor, to comply with all laws
affecting said property or requiring any alterations or improvements to
be made thereon, not to commit or permit waste thereon, not to commit,
suffer or permit any act upon said property in violation of law, to
cultivate, irrigate, fertilize, fumigate, prune and do all other acts
which from the character of use of said property may be reasonably
necessary, the specific enumerations herein not excluding the general.
     (2)  To provide, maintain and deliver to Beneficiary fire insurance
satisfactory to and with loss payable to Beneficiary.  The amount
collected under any fire or other insurance policy may be applied by
Beneficiary upon any indebtedness secured hereby and in such order as
Beneficiary may determine, or at option of Beneficiary the entire amount
so collected or any part thereof may be released to Trustor.  Such
application or release shall not cure or waive any default hereunder or
invalidate any act done pursuant to such notice.
     (3)  To appear in and defend any action or proceeding purporting to
affect the security hereof or the rights or powers of Beneficiary as
Trustee, and to pay all costs and expenses, including cost of evidence of
title and attorney s fees in a reasonable sum, in any such action or
proceeding in which Beneficiary or Trustee may appear, and in any suit
brought by Beneficiary to foreclose this Deed.
     (4)  To pay at least ten days before delinquency all taxes and
assessments affecting said property, including assessments on appurtenant
water stock, when due, all encumbrances, charges and liens, with
interest, on said property or any part thereof, which appear to be prior
or superior hereto, all costs, fees and expenses of this Trust.
     Should Trustor fail to make any payment or to do any act as herein
provided, then Beneficiary or Trustee, but without obligation so to do
and without notice to or demand upon Trustor and without releasing
Trustor from any obligation hereof, may make or do the same in such
manner and to such extent as either may deem necessary to protect the
security hereof.  Beneficiary or Trustee being authorized to enter upon
said property for such purposes, appear in and defend any action or
proceeding purporting to affect the security hereof or the rights or
powers of Beneficiary or Trustee, pay, purchase, contest or compromise
any encumbrance, charge or lien which in the judgment of either appears
to be prior or superior hereto, and, in exercising any such powers, pay
necessary expenses, employ counsel and pay his reasonable fees.
     (5)  To pay immediately and without demand all sums to so expended by
Beneficiary or Trustee, with interest from date of expenditure at the
amount allowed by law in effect at the date hereof, and to pay for any
statement provided for by law in effect at the date hereof regarding the
obligation secured hereby any amount demanded by the Beneficiary not to
exceed the maximum allowed by law at the time when said statement is
demanded.
     (6)  That any award of damages in connection with any condemnation for
public use of or injury to said property or any part thereof is hereby
assigned and shall e paid to Beneficiary who may apply or release such
moneys received by him in the same manner and with the same effect as
above provided for disposition of proceeds of fire or other insurance.
     (7)  That by accepting payment of any sum secured hereby after the due
date.  Beneficiary does not waive his right either to require prompt
payment when due of all other sums so secured or to declare default for
failure to so pay.
     (8)  That at any time or from time to time, without liability therefor
and without notice, upon written request of Beneficiary and presentation
of this Deed and said note for endorsement, and without affecting the
personal liability of any person for payment of the indebtedness secured
hereby, Trustee may reconvey any part of said property, consent to the
making of any map or plat thereof, join in granting any easement thereon,
or join in any extension agreement or any agreement subordinating the
lien or charge hereof.
     (9)  That upon written request of Beneficiary stating that all sums
secured hereby have been paid, and upon surrender of this Deed and said
note to Trustee for cancellation and retention and upon payment of its
fees, Trustee shall reconvey, without warranty, the property then held
hereunder.  The recitals in such reconveyance of any matters or facts
shall be conclusive proof of the truthfulness thereof.  The grantee in
such reconveyance may be described as the person or persons legally
entitled thereto.  Five years after issuance of such full reconveyance,
Trustee may destroy said note and this Deed of (unless directed in such
request to retain them).
     (10)  That as additional security, Trustor hereby gives to and confers
upon Beneficiary the right, power and authority, during the continuance
of these Trusts, to collect the rents, issues and profits of said
property, reserving unto Trustor the right, prior to any default by
Trustor in payment of any indebtedness secured hereby or in performance
of any agreement hereunder, to collect and retain such rents, issues and
profits as they become due and payable.  Upon any such default,
Beneficiary may at any time without notice, either in person, by agent,
or by a receiver to be appointed by a court, and without regard to the
adequacy of any security for the indebtedness hereby secured, enter upon
and take possession of said property or any part thereof, in his own name
sue for or otherwise collect such rents, issues and profits, including
those past due and unpaid, and apply the same, less costs and expenses of
operation and collection, including reasonable attorney s fees, upon any
indebtedness secured hereby, and in such order as Beneficiary may
determine.  The entering upon and taking possession of said property, the
collection of such rents, issues and profits and the application thereof
as aforesaid, shall not cure or waive any default or notice of default
hereunder or invalidate any act done pursuant to such notice.
     (11)  That upon default by Trustor in payment of any indebtedness
secured hereby or in performance of any agreement hereunder, Beneficiary
may declare all sums secured hereby immediately due and payable by
delivery to Trustee of written declaration of default and demand for sale
and of written notice of default and of election to cause to be sold said
property, which notice Trustee shall cause to be filed for record. 
Beneficiary also shall deposit with Trustee this Deed, said note and all
documents evidencing expenditures secured hereby.
     After the lapse of such time as may then be required by law following
the recordation of said notice of default, and notice of sale having been
given as then required by law, Trustee, without demand on Trustor, shall
sell said property at the time and place fixed by it in said notice of
sale, either as a whole or in separate parcels, and in such order as it
may determine, at public auction to the highest bidder for cash in lawful
money of the United States, payable at time of sale.  Trustee may
postpone sale of all or any portion of said property by public
announcement of such time and place of sale, and from time to time
thereafter may postpone such sale by public announcement at the time
fixed by the preceding postponement.  Trustee shall deliver to such
purchaser its deed conveying the property so sold, but without any
covenant or warranty, express or implied.  The recitals in such deed of
any matters or facts shall be conclusive proof of the truthfulness
thereof.  Any person, including Trustor, Trustee, or Beneficiary as
hereinafter defined, may purchase at such sale. 
     After deducting all costs, fees and expenses of Trustee and of this
Trust, including cost of evidence of title in connection with sale,
Trustee shall apply the proceeds of sale to payment of all sums expended
under the terms hereof, not then repaid, with accrued interest at the
amount allowed by law in effect at the date hereof, all other sums then
secured hereby, and the remainder, if any, to the person or persons
legally entitled thereto. 
     (12)  Beneficiary, or any successor in ownership of any indebtedness
secured hereby, may from time to time, by instrument in writing,
substitute a successor or successors to any Trustee named herein or
acting hereunder, which instrument, executed by the Beneficiary and duly
acknowledged and recorded in the office of the recorder of the county or
counties where sold property is situated, shall be conclusive proof of
proper substitution of such successor Trustee or Trustees, who shall,
without conveyance from the Trustee predecessor, succeed to all its
title, estate, rights, powers and duties.  Said instrument must contain
the name of the original Trustor, Trustee and Beneficiary hereunder, the
book and page where this Deed is recorded and the name and address of the
new Trustee.
     (13)  That this Deed applies to, inures to the benefit of, and binds
all parties hereto, their heirs, legatees, devisees, administrators,
executors, successors and assigns.  The term Beneficiary shall mean the
owner and holder, including pledgees, of the note secured hereby, whether
or not named as Beneficiary herein.  In this Deed, whenever the context
to requires, the masculine gender includes the feminine and or neuter,
and the singular number includes the plural.
     (14)  That Trustee accepts this Trust when this Deed, duly executed
and acknowledged, is made a public record as provided by law Trustee is
not obligated to notify any party hereto of pending sale under any other
Deed of Trust or of any action or proceeding in which Trustor,
Beneficiary or Trustee shall be a party unless brought by Trustee.



                  REQUEST FOR FULL CONVEYANCE
            To be used only when note has been paid


To FOUNDERS TITLE COMPANY, Trustee:              Dated  ________________

     The undersigned is the legal owner and holder of all
indebtedness secured by the within Deed of Trust.  All sums secured
by said Deed of Trust have been fully paid and satisfied; and you
are hereby requested and directed, on payment to you of any sums
owing to you under the terms of said Deed of Trust, to cancel all
evidences of indebtedness, secured by said Deed of Trust, delivered
to you herewith together with said Deed of Trust, and to reconvey,
without warranty, to the parties designated by the terms of said
Deed of Trust, the estate now held by you under the same.

Mail Reconveyance to:



                                        By

                                        By

  Do not lose or destroy this Deed of Trust OR THE NOTE which it
 secures.  Both must be delivered to the Trustee for cancellation
                 before reconveyance will be made.
                                


STATE OF CALIFORNIA
                     }ss.
COUNTY OF SACRAMENTO

     On December 9, 1994, before me, the undersigned, a Notary
Public in and for said State, personally appeared RAYMOND L. JAMES
and CHERYLE JAMES personally known to me (or proved to me on the
basis of satisfactory evidence) to be the person(s) whose name(s)
is/are subscribed to the within instrument and acknowledged to me
that he/she/they executed the same in his/her/their authorized
capacity(ies), and that by his/her/their signature(s) on the
instrument the person(s), or the entity upon behalf of which the
person(s) acted, executed the instrument.

     Witness my hand and official seal.

Signature    /s/ L.E. JAMES            THIS AREA FOR NOTARY STAMP
                                        OR SEAL
Name         L.E. JAMES
             (typed or printed)