Exhibit 10.20

                      AMENDED AND RESTATED PROMISSORY NOTE

   THIS AMENDED AND RESTATED PROMISSORY NOTE AMENDS AND RESTATES THAT CERTAIN
                    OCTOBER 28, 2002 LOAN AGREEMENT AND NOTE

$705,000.00                                                    December 31, 2004
                                                              St. Marys, Georgia

      FOR  VALUE  RECEIVED,  the  undersigned,   AmeriFirst,  Inc.,  a  Delaware
corporation,  whose address is 814 N. A1A, Suite 300, Ponte Vedra Beach, Florida
32082  (the  "Borrower"),  hereby  promises  to pay to the  order of  Irving  Y.
Strickstein Revocable Living Trust (the "Lender"), whose address is 2267 Shankin
Drive,  Walled Lake,  Michigan  48390,  the  principal sum of SEVEN HUNDRED FIVE
THOUSAND and no/100 Dollars ($705,000.00). This Note is the Amended and Restated
Infinity  Note  referred  to in  Section  5.4 of that  certain  Recapitalization
Agreement  dated of even date  herewith  by and  between  Borrower,  Lender  and
certain  other  stockholders  of Borrower  (the  "Recapitalization  Agreement").
Capitalized  terms  used and not  otherwise  defined in this Note shall have the
meanings assigned thereto in the Recapitalization  Agreement. This Note shall be
governed by the following provisions:

      1. Advances;  Current Amount Due. The Borrower and the Lender  acknowledge
and agree that Lender has previously  made advances to Borrower from proceeds of
the sales of common stock in Infinity,  Inc. ("Infinity") in various amounts and
at various times, but that Lender has no further  obligation under any agreement
to make additional advances to Borrower.  The Borrower and Lender agree that the
amount now due from Borrower to Lender, as of the date hereof,  and inclusive of
accrued and unpaid  interest,  is $705,000.00.  The Borrower agrees to repay the
amounts  outstanding  hereunder  only by purchasing and  transferring  to Lender
163,418 shares of common stock of Infinity in full  satisfaction  of all amounts
due hereunder and not by any other method of payment.

      2.   Payments.   Subject  to  the   provisions   of  Section  1.6  of  the
Recapitalization  Agreement,  the Borrower will apply one hundred percent (100%)
of its Net Operating Income to the purchase of stock in Infinity to be delivered
to Lender in repayment of this Note.  This Note shall be due and payable in full
on September 10, 2014.

      3.  Prepayments.  The  Borrower  shall be  entitled to prepay this Note in
common stock of Infinity and by no other means of payment,  in whole or in part,
at any time without penalty.

      4.  Default.  Nonpayment  of  principal,  any fee or any other  amount due
hereunder as and when due and payable  shall be  considered  an Event of Default
hereunder.

If any Event of Default  shall  occur,  the Lender may declare  the  outstanding
principal of this Note,
<PAGE>

and all other  amounts  payable under this Note to be forthwith due and payable.
Thereupon,  the  outstanding  principal of this Note and all such amounts  shall
become and be forthwith due and payable, without presentment, demand, protest or
further  notice of any kind,  all of which are  hereby  expressly  waived by the
Borrower.

      5.  Expenses.  The Borrower and all parties liable for the payment of this
Note agree to pay the Lender all costs  incurred  by it in  connection  with the
collection of this Note. Such costs include,  without  limitation,  fees for the
services of counsel and legal assistants  employed to collect this Note, whether
or not suit be brought,  and whether  incurred in  connection  with  collection,
trial, appeal or otherwise, and any brokerage commissions or transfer fees.

      6. Miscellaneous.  The Borrower and all sureties, endorsers and guarantors
of this Note shall make all  payments  hereunder  in common stock of Infinity by
delivering  same to the Lender at such  address as the Lender may  designate  in
writing.  The remedies of the Lender as provided  herein shall be cumulative and
concurrent,  and may be pursued singly,  successively  or together,  at the sole
discretion  of the Lender and may be  exercised  as often as  occasion  therefor
shall  arise.  No  act of  omission  or  commission  of  the  Lender,  including
specifically  any failure to exercise any right,  remedy or  recourse,  shall be
effective,  unless set forth in a written document  executed by the Lender,  and
then only to the extent  specifically  recited therein. A waiver or release with
reference to one event shall not be construed as continuing,  as a bar to, or as
a waiver or  release  of any  subsequent  right,  remedy or  recourse  as to any
subsequent  event.  This Note shall be construed and enforced in accordance with
Michigan law and shall be binding on the  successors  and assigns of the parties
hereto. The term "Lender" as used herein shall mean any holder of this Note.

                                       AMERIFIRST, INC.

                                       By: /s/ John G. Tooke
                                           -------------------------------------
                                           John G. Tooke, President
<PAGE>

STATE OF GEORGIA
COUNTY OF CAMDEN

      The foregoing  instrument was executed,  acknowledged and delivered before
me this 30th day of January 2005, by John G. Tooke. He is personally known to me
or has produced  Florida Drivers ID as  identification  and did, in my presence,
execute  this  Promissory  Note to and in  favor  of the  forenamed  Lender  and
delivered  the same to me,  whereupon  I have  received  same and  placed  it in
Federal Express for overnight  delivery to Harry Eisenberg,  Jacob & Weingarten,
2301 W. Big Beaver Road,  Suite 777, Troy,  Michigan  48084, as agent for and on
behalf of Lender.

                                       /s/ Kathleen A.  Lenehan
                                       ----------------------------------------
                                       Notary Public, State and County Aforesaid
                                       Print Name: Kathleen A. Lenehan
                                                   -----------------------------
SEAL                                   My commission expires: 3/6/07