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
$193,800.00 dated July 22, 1992, made by T.E. Duerr and P.A. Duerr,
Trustees of the Duerr Family Revocable Trust dated October 14,
1987, 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)

$193,800.00              Folsom, California                  July 22, 1992

     For value received, T.E. DUERR and P.A. DUERR, Trustees of the
DUERR FAMILY REVOCABLE TRUST DATED OCTOBER 14, 1987, promise to pay
to SHF ACQUISITION CORPORATION, a Nevada corporation, or order at
14813 Jackson Road, Rancho Murieta, California 95683, the principal
sum of One Hundred Ninety-Three Thousand Eight Hundred and No/100th
Dollars with interest from date of recording on unpaid principal at
the rate of  eight percent (8%) per annum; principal and interest
payable as follows:  24 equal consecutive, monthly installments of
interest only at $1,292.00 or more, with the first such installment
due on or before September 10, 1993, and continuing on the same day
of each month until complete and one FINAL BALLOON payment of
principal and interest due on or before August 10, 1995 in the
amount of One Hundred Ninety-Five Thousand Ninety-Two and No/100th
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 . . . . . . . . . . . . . .$         $ 22,000.00
2.  Less:  Cash Down Payment . . . . . . .$
3.  Other. . . . . . . . . . . . . . . . .
4.  Total Down Payment . . . . . . . . . .$         $ 34,200.00
5.  Unpaid Balance of Cash Price . . . . .          $193,800.00
6.  Other Charges. . . . . . . . . . . . .          $
7.  Amount Financed (5 + 6). . . . . . . .          $193,800.00
8.  FINANCE CHARGE . . . . . . . . . . . .          $ 31,008.00
9.  Total of Payments. . . . . . . . . . .          $224,808.00
10. Deferred Payment Price (1 + 8) . . . .          $259,008.00
11. ANNUAL PERCENTAGE RATE . . . . . . . .          $      5.33%

                        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

                                     DUERR REVOCABLE FAMILY TRUST
                                     DATED 10-14-87

                                     BY: /s/ T.E. DUERR
                                         T.E. DUERR, Trustee

                                     BY: /s/ P.A. DUERR
                                         P.A. DUERR, Trustee           MAKER

Order No.
Escrow No. 719847-LJ
Loan No.

WHEN RECORDED MAIL TO:

SHF Acquisition Corporation
14813 Jackson Road
Rancho Murieta, CA  95683

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

This DEED OF TRUST, made July 22, 1992, between T.E.
DUERR and P.A. DUERR, Trustees of the DUERR FAMILY REVOCABLE TRUST
DATED OCTOBER 14, 1987, herein called TRUSTOR, whose address is
11087 Roanoke River Court, Rancho Cordova, California 95670,
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. 3147, 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 193,800.00 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   )                   Signature of Trustor
                      )  SS.
COUNTY OF SACRAMENTO  )
                                      DUERR FAMILY REVOCABLE TRUST
                                      DATED 10-14-87
On July 24, 1992 before me, the
undersigned, a Notary Public in       BY:/s/ T.E. DUERR
and for said State, personally           T.E. DUERR, Trustee
appeared
T.E. Duerr and P.A. Duerr,            BY:/s/ P.A. DUERR
Trustees                                 P.A. DUERR, Trustee
                  , proved upon
satisfactory evidence OR
personally known to me to be the
person(s) whose name(s) are
subscribed to the within
instrument and acknowledged that 
they executed the same.
WITNESS my hand and official seal.

Signature  /s/ L.E. JAMES
               L.E. JAMES

           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.