EXHIBIT 10A

                           REVOLVING CREDIT AGREEMENT

                                 BY AND BETWEEN

                           IVORY CAPITAL CORPORATION,
                                   as Borrower

                                       AND

                       PHILIP J. DAVIS and GARY A. AGRON,
                                    as Lender

                            Dated as of July 16, 2001



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                                TABLE OF CONTENTS

                                                                        Page

ARTICLE 1  CERTAIN DEFINITIONS............................................1

         Section 1.1       Certain Definitions............................1
         Section 1.2       Construction...................................3

ARTICLE 2  LOANS, NOTES AND PREPAYMENTS...................................3

         Section 2.1       Loans..........................................3
         Section 2.2       Notes..........................................4
         Section 2.3       Procedure for Borrowing........................4
         Section 2.4       Repayment of Loans.............................4
         Section 2.5       Optional Prepayments...........................4
         Section 2.6       Indemnity......................................5
         Section 2.7       Computations...................................5
         Section 2.8       Repayment of the Loans.........................5

ARTICLE 3  EVENTS OF DEFAULT..............................................5

         Section 3.1       Events of Default..............................5
         Section 3.2       Remedies.......................................5

ARTICLE 4  MISCELLANEOUS..................................................6

         Section 4.1       Amendments, etc................................6
         Section 4.2       Notices, etc...................................6
         Section 4.3       No Waiver; Remedies............................6
         Section 4.4       Binding Effect.................................6
         Section 4.5       Governing Law..................................6
         Section 4.6       Usury Laws.....................................6
         Section 4.7       Section Headings...............................6
         Section 4.8       Execution......................................7











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                           REVOLVING CREDIT AGREEMENT

     THIS REVOLVING CREDIT AGREEMENT is made as of July 16, 2001 by and between
IVORY CAPITAL CORPORATION, a Colorado corporation (the "Borrower"), and PHILIP
J. DAVIS and GARY A. AGRON (collectively, the "Lender").

                              EXPLANATORY STATEMENT
                              ---------------------

     A. Philip J. Davis is an officer and director of the Borrower.

     B. The Borrower has requested, and the Lender has agreed to make, certain
loans, advances and other financial accommodations to the Borrower on the terms
and conditions set forth herein;

     NOW, THEREFORE, in consideration of the promises set forth herein and for
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

                                    ARTICLE 1
                               CERTAIN DEFINITIONS

     Section 1.1 Certain Definitions. In addition to words and terms defined
elsewhere in this Agreement, the following words and terms shall have the
following meanings, respectively, unless the context clearly requires otherwise:

     "Agreement" shall mean this Revolving Credit Agreement, as the same may be
amended, restated, supplemented or otherwise modified from time to time
hereafter, including all Schedules and Exhibits hereto.

     "Authorized Officer" shall mean Philip J. Davis.

     "Borrower's Account" shall mean the Borrower's bank account as may be
designated by the Borrower from time to time by written notice to the Lender.

     "Business Day" shall mean any day other than a Saturday or Sunday or other
day upon which banks or the Lender are authorized or required to close in the
State of Colorado.

     "Dollar," "Dollars," "U.S. Dollars" and the symbol "$" shall mean the
lawful currency of the United States of America.

     "Event of Default" shall mean any of the Events of Default described in
Section 3.1.

     "Funding Date" shall mean the date on which a Loan is made hereunder.


                                        1

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     "Insolvency Event" shall mean, with respect to any Person, (i) such Person
generally shall not pay its debts as such debts become due, or shall admit in
writing its inability to pay its debts generally, or shall make a general
assignment for the benefit of creditors; or any proceeding shall be instituted
by or against such Person seeking to adjudicate it a bankrupt or insolvent, or
seeking liquidation, winding up, reorganization, arrangement, adjustment,
protection, relief, or composition of it or its debts under any law related to
bankruptcy, insolvency or reorganization or relief of debtors, or seeking the
entry of an order for relief or the appointment of a receiver, trustee, or other
similar official for it or for any substantial part of its property provided;
however, any proceeding instituted against such Person shall not constitute an
Insolvency Event if such proceeding has been dismissed within 60 days of the
institution of such proceeding against such Person; or (ii) such Person shall
take any action to authorize any of the actions set forth in clause (i) herein.

     "Interest Rate" shall have the meaning provided in Section 2.4(b).

     "Law" shall mean any law (including common law), constitution, statute,
treaty, regulation, rule, ordinance, opinion, release, ruling, order,
injunction, writ, decree or award of any Governmental Authority.

     "Lien" shall mean any mortgage, deed of trust, pledge, lien, security
interest, charge or other encumbrance or security arrangement of any nature
whatsoever, whether voluntarily or involuntarily given, including, but not
limited to, any conditional sale or title retention arrangement, and any
assignment, deposit arrangement or lease intended as, or having the effect of,
security and any filed financing statement or other notice of any of the
foregoing (whether or not a lien or other encumbrance is created or exists at
the time of the filing).

     "Loan" shall have the meaning provided in Section 2.1

     "Loan Documents" shall mean this Agreement, the Revolving Loan Note and any
other instruments, certificates or documents delivered or contemplated to be
delivered hereunder or thereunder or in connection herewith or therewith, as the
same may be supplemented or amended from time to time hereafter in accordance
herewith or therewith, and "Loan Document" shall mean any of the Loan Documents.

     "Person" shall mean any individual, corporation, partnership, limited
liability company, joint-stock company, trust, unincorporated organization or
association, joint venture, government or political subdivision or agency
thereof, or any other entity.

     "Post-Default Rate" shall mean, in respect of any principal of any Loan or
any other amount under this Agreement, the Revolving Loan Note or any other Loan
Document that is not paid when due to the Lender (whether at stated maturity, by
acceleration, by optional or mandatory prepayment or otherwise), a rate per
annum during the period from and including the due date to but excluding the
date on which such amount is paid in full equal to the lesser of 15% or the
maximum amount permitted by applicable law.

                                        2

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     "Request for Borrowing" has the meaning assigned to such term in Section
2.3(a).

     "Revolving Loan Note" means the promissory note of the Borrower, payable to
the order of the Lender, in substantially the form of Exhibit B hereto,
evidencing the aggregate indebtedness of the Borrower to the Lender resulting
from Loans made by the Lender.

     "Term of this Agreement" means from the date hereof and for a period of
twenty years thereafter unless sooner terminated by the Lender.

     "Total Loan Amount" shall mean up to $25,000, as such amount may be reduced
from time to time in accordance with this Agreement.

     Section 1.2 Construction. Unless the context of this Agreement otherwise
clearly requires, references to the plural shall include the singular,
references to the singular shall include the plural, references to the part
shall include the whole and references to any masculine, feminine or neuter
pronoun shall include all other genders. References in this Agreement to
"determination" of or by the Lender shall be deemed to include good faith
estimates by the Lender (in the case of quantitative determinations) and good
faith beliefs by the Lender (in the case of qualitative determinations). The
words "hereof," "herein," "hereunder" and similar terms in this Agreement refer
to this Agreement as a whole and not to any particular provision of this
Agreement. Any references herein to Articles, Sections, Exhibits or Schedules
are references to Articles, Sections, Exhibits and Schedules of or to this
Agreement unless otherwise expressly specified. The Section and other headings
contained in this Agreement and the Table of Contents preceding this Agreement
are for reference purposes only and shall not control or affect the construction
of this Agreement or the interpretation thereof in any respect.

                                    ARTICLE 2
                          LOANS, NOTES AND PREPAYMENTS

     Section 2.1 Loans.


     (a) The Lender agrees, on the terms and conditions of this Agreement, that
the Lender may make loans (individually, a "Loan"; collectively, the "Loans") to
the Borrower in Dollars, on any Business Day during the Term of this Agreement
in an aggregate principal amount at any one time outstanding up to but not
exceeding the Total Loan Amount. This Agreement shall not obligate the Lender to
make any specific loans to the Borrower, but if loans are made up to the Total
Loan Amount, such loans will be pursuant to the terms and conditions of this
Agreement and the Revolving Loan Note. Subject to the terms and conditions of
this Agreement, during such period the Borrower may borrow, repay and re-borrow
hereunder.

     (b) In no event shall a Loan be made when any Event of Default has occurred
and is continuing or would exist after the making of such Loan on such Funding
Date.

                                        3

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     Section 2.2 Notes.

     (a) The Loans made by the Lender shall be collectively evidenced by the
Revolving Loan Note, dated the date hereof, payable to the Lender in a principal
amount equal to the amount of the Total Loan Amount then outstanding plus
accrued interest.

     (b) The date and amount of each Loan made by the Lender to the Borrower,
and each payment made on account of the principal thereof, shall be recorded by
the Lender on its books and, prior to any transfer of the Revolving Loan Note,
endorsed by the Lender on the schedule attached to the Revolving Loan Note or
any continuation thereof; provided that the failure of the Lender to make any
such recordation or endorsement shall not affect the obligations of the Borrower
to make a payment when due of any amount owing hereunder or under the Revolving
Loan Note in respect of the Loans.

     Section 2.3 Procedure for Borrowing.

     (a) The Borrower may request a borrowing hereunder, on any Business Day
during the Term of this Agreement by delivering to the Lender a written request
for borrowing, substantially in the form of Exhibit A hereto (a "Request for
Borrowing").

     (b) If the Lender agrees to fund the Request for Borrowing, the amount of
the requested borrowing shall be advanced in immediately available funds,
without deduction, set-off or counterclaim, to the Borrower's Account, not later
than ten days after receipt of the Request for Borrowing.

     Section 2.4 Repayment of Loans.

     (a) The total outstanding principal balance of each outstanding Loan shall
be immediately due and payable on demand by the Lender.

     (b) Each Loan shall bear interest at a rate per annum equal to eight
percent (8%).

     (c) Notwithstanding the foregoing, the Borrower hereby promises to pay to
the Lender interest at the applicable Post-Default Rate on any principal of any
Loan and on any other amount payable by the Borrower hereunder or under the
Revolving Loan Note that shall not be paid in full when due (whether at stated
maturity, by acceleration or by mandatory prepayment or otherwise), for the
period from and including the due date thereof to but excluding the date the
same is paid in full (both before and after judgment). Any payment due and owing
at the Post-Default Rate shall be payable on demand by the Lender.

     Section 2.5 Optional Prepayments.

     (a) The Loans are pre-payable at any time without premium or penalty, in
whole or in part. Any amounts prepaid shall be applied first to the payment of
interest then to the payment of outstanding principal until paid in full.
Amounts prepaid may be re-borrowed in accordance with the terms of this
Agreement.

                                        4

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     Section 2.6 Indemnity. Upon demand by the Lender, the Borrower agrees to
indemnify the Lender and to hold the Lender harmless from any net loss or
expense (not to include any lost profit or opportunity) which the Lender may
sustain or incur as a consequence of default by the Borrower in making any
payments due under this Agreement.

     Section 2.7 Computations. Interest on the Loans shall be computed on the
basis of a 365- day year and the actual number of days elapsed in any Interest
Period.

     Section 2.8 Repayment of the Loans. All payments shall be applied first, to
the payment of interest, if any, which is due and payable with respect to the
Loans; second, to the payment of all fees, expenses and indemnities due and
payable hereunder; and then to the repayment of the aggregate unpaid principal
amount of the Loans which is due and payable.


                                    ARTICLE 3
                                EVENTS OF DEFAULT

     Section 3.1 Events of Default. Each of the following events shall
constitute an "Event of Default" hereunder:

     The Borrower shall be the subject of an Insolvency Event; or

     (a) The Borrower shall fail to perform or observe any material term,
covenant or agreement contained in this Agreement or any other agreement or
document executed in connection herewith or therewith on its part to be
performed or observed and any such failure shall remain unremedied for 20
Business Days, after written notice thereof shall have been given by the Lender
to the Borrower; or

     (b) There shall have been any material adverse change in the financial
condition or operations of the Borrower and such material adverse change remains
unremedied for 14 days thereafter; or

     (c) The Borrower shall fail to pay any principal of or interest on the
indebtedness evidenced by the Revolving Loan Note when the same becomes due and
payable.

     Section 3.2 Remedies.

     Upon the occurrence of one or more Events of Default in Section 3.1, the
Lender may immediately declare the principal amount of the Loans then
outstanding under the Revolving Loan Note to be immediately due and payable,
together with all interest thereon and fees and expenses accruing under this
Agreement.

                                        5

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                                    ARTICLE 4
                                  MISCELLANEOUS

     Section 4.1 Amendments, etc. No amendment or waiver of any provision of
this Agreement or the Revolving Loan Note, nor consent to any departure by the
Borrower therefrom, shall in any event be effective unless the same shall be in
writing and signed by the Lender, and then such waiver or consent shall be
effective only in the specific instance and for the specific purpose for which
given.

     Section 4.2 Notices, etc. All notices and other communications provided for
hereunder shall be in writing (including telegraphic, facsimile or cable
communication) and mailed, telegraphed, faxed, cabled or delivered, if to the
Borrower, at its address at 5459 South Iris Street, Littleton, Colorado 80123,
Attention: Philip J. Davis, President, and if to the Lender, at their address at
5445 DTC Parkway, Suite 520, Greenwood Village, Colorado 8011, Attention: Gary
A. Agron, or, as to each party, at such other address as shall be designated by
such party in a written notice to the other party. All such notices and
communications shall be effective, upon receipt, or in the case of (i) notice by
mail, upon return of the completed delivery receipt when sent via United States
certified mail, (ii) notice by overnight courier, one Business Day after being
deposited with a national overnight courier service, or (iii) notice by
facsimile, when proof of receipt, except that notices and communications to the
Lender pursuant to Article 2 shall not be effective until received by the
Lender.

     Section 4.3 No Waiver; Remedies. No failure on the part of the Lender to
exercise, and no delay in exercising, any right hereunder or under the Revolving
Loan Note shall operate as a waiver thereof; nor shall any single or partial
exercise of any such right preclude any other or further exercise thereof or the
exercise of any other right. The remedies herein provided are cumulative and not
exclusive of any remedies provided by law.

     Section 4.4 Binding Effect. This Agreement shall be binding upon and inure
to the benefit of the Borrower and the Lender and their respective successors
and assigns.

     Section 4.5 Governing Law. This Agreement shall be governed by and
construed exclusively in accordance with the laws of the State of Colorado.

     Section 4.6 Usury Laws. It is not intended hereby to charge interest at a
rate in excess of the maximum rate of interest permitted to be charged to
Borrower under applicable law, but if, notwithstanding such intention, interest
in excess of the maximum rate shall be paid under this Agreement or the
Revolving Loan Note, the excess shall be applied to principal and the interest
rate on the Revolving Loan Note shall be adjusted to the maximum permitted under
applicable law during the period or periods that the interest rate otherwise
provided herein would exceed such rate.

     Section 4.7 Section Headings. All section headings are inserted for
convenience of reference only and shall not affect any construction or
interpretation of this Agreement.

                                        6

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     Section 4.8 Execution. This Agreement may be executed, manually or by
facsimile signature, in any number of counterparts and by different parties
hereto in separate counterparts, each of which when so executed shall be deemed
to be an original and all of which taken together shall constitute one and the
same agreement.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their respective officers hereunto duly authorized, as of the date
first above written.


                                          IVORY CAPITAL CORPORATION,
                                          a Colorado corporation, as Borrower


                                          By:
                                               ---------------------------------
                                               Philip J. Davis, President


                                          PHILIP J. DAVIS and GARY A. AGRON,
                                          as Lender


                                          --------------------------------------
                                          Philip J. Davis


                                          --------------------------------------
                                          Gary A. Agron


                                        7

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                                    EXHIBIT A
                                    ---------

                          FORM OF REQUEST FOR BORROWING
                          -----------------------------


Philip J. Davis and Gary A. Agron
5445 DTC Parkway, Suite 520
Greenwood Village, Colorado 80111
Attention: Gary A. Agron

Ladies and Gentlemen:

     The undersigned, IVORY CAPITAL CORPORATION (the "Company"), refers to the
Revolving Loan Agreement dated as of July 16, 2001 (as amended, restated,
supplemented or otherwise modified from time to time, the "Loan Agreement"; the
terms defined therein being used herein as therein defined) among the Company
and PHILIP J. DAVIS and GARY A. AGRON (collectively, the "Lender"), as lender,
and hereby gives you notice pursuant to Section 2.3(b) of the Loan Agreement
that the Company requests a Loan under Section 2.1 of $_______________.


Dated:  ________________________, _________

                                         IVORY CAPITAL CORPORATION,
                                         a Colorado corporation


                                         By:
                                                 -------------------------------
                                         Name:
                                                 -------------------------------
                                         Title:
                                                 -------------------------------





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                                    EXHIBIT B
                                    ---------

                           FORM OF REVOLVING LOAN NOTE
                           ---------------------------




                               REVOLVING LOAN NOTE

Greenwood Village, Colorado

$25,000                                                            July 16, 2001

     FOR VALUE RECEIVED, IVORY CAPITAL CORPORATION, a Colorado corporation (the
"Borrower"), hereby promises to pay to the order of PHILIP J. DAVIS and GARY A.
AGRON (collectively, the "Lender"), at the principal office of the Lender at
5445 DTC Parkway, Suite 520, Greenwood Village, Colorado 80111 in lawful money
of the United States, and in immediately available funds, the principal sum of
TWENTY-FIVE THOUSAND AND NO/100 DOLLARS ($25,000) (or such lesser amount as
shall equal the aggregate unpaid principal amount of the Loans made by the
Lender to the Borrower under the Revolving Credit Agreement by and between
Borrower and Lender dated as of July 16, 2001, as amended, supplemented or
otherwise modified and in effect from time to time, the "Agreement"), on the
dates and in the principal amounts provided in the Agreement, and to pay
interest on the unpaid principal amount of each such Loan, at such office, in
like money and funds, for the period commencing on the date of such Loan until
such Loan shall be paid in full, at the rates per annum and on the dates
provided in the Agreement. Terms used but not defined in this Note have the
respective meanings assigned to them in the Agreement.

     The date and amount of each Loan made by the Lender to the Borrower, and
each payment made on account of the principal thereof, shall be recorded by the
Lender on its books and, prior to any transfer of this Revolving Loan Note (this
"Note"), endorsed by the Lender on the Schedule attached hereto or any
continuation thereof; provided that the failure of the Lender to make any such
recordation or endorsement shall not affect the obligations of the Borrower to
make a payment when due of any amount owing under the Agreement or hereunder in
respect of the Loans made by the Lender.

     The Borrower agrees to pay all of the Lender's costs of collection and
enforcement (including reasonable attorneys' fees and disbursements of Lender's
counsel) in respect of this Note when incurred, including, without limitation,
reasonable attorneys' fees through appellate proceedings.

     The Borrower waives diligence, presentment, protest and demand and also
notice of protest, demand, dishonor and non-payments of this Note and expressly
agrees that this Note, or any payment hereunder, may be extended from time to
time.




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     It is not intended hereby to charge interest at a rate in excess of the
maximum rate of interest permitted to be charged to Borrower under applicable
law, but if, notwithstanding such intention, interest in excess of the maximum
rate shall be paid hereunder, the excess shall be applied to principal and the
interest rate on this Note shall be adjusted to the maximum permitted under
applicable law during the period or periods that the interest rate otherwise
provided herein would exceed such rate.

     Any reference herein to the Lender shall be deemed to include and apply to
every subsequent holder of this Note. Reference is made to the Agreement for
provisions concerning optional prepayments, acceleration and other material
terms affecting this Note.

     This Note shall be governed by and construed exclusively in accordance with
the laws of the State of Colorado, regardless of the laws that might otherwise
govern under applicable principles of conflicts of laws thereof. The Borrower
agrees that process may be served upon it in any manner authorized by the laws
of the State of Colorado for such person and waives and covenants not to assert
or plead any objection that it might otherwise have to such jurisdiction and
such process.


                                              IVORY CAPITAL CORPORATION,
                                              a Colorado corporation


                                              By:
                                                 -------------------------------
                                                  Philip J. Davis, President


                                        2

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                                SCHEDULE OF LOANS

     This Note evidences Loans made under the within-described Agreement to the
Borrower, on the dates and in the principal amounts set forth below, and subject
to the payments and prepayments of principal set forth below:


                      Principal                           Unpaid
                        Amount          Amount Paid      Principal     Notation
  Date Made            of Loan          or Prepaid         Amount       Made By
  ---------            -------          ----------         ------       -------