Exhibit 10.20

Wachovia Corporate Services, Inc.
Post Office Box 27602
Richmond, Virginia  23261




March 15, 2000



Mr. William Crabtree, Jr.
Chief Financial Officer
Open Plan Systems, Inc.
4299 Carolina Avenue
Richmond, VA  23222

Dear Bill:

Wachovia  Bank,  N.A.  ("Lender")  is pleased to offer Open Plan  Systems,  Inc.
("Borrower") the facilities outlined below. These Commitments (as later defined)
will become effective upon your acceptance of the terms and conditions  outlined
in this letter,  and your return of an executed  copy (and a closing in a manner
satisfactory to Lender).  "Closing",  "close", or "closed" as used herein, shall
mean the  execution,  recordation  where  necessary,  delivery  to Lender of all
documentation  required by this commitment letter, and satisfaction of all terms
and conditions specified herein in a timely manner.

PRICING AND TERMS:

BORROWER:         Open Plan Systems, Inc.

FACILITY I:       Irrevocable  Direct-Pay Letter of Credit to support Tax-Exempt
                  Adjustable Mode Bonds.

AMOUNT:           Two  million-Five   Hundred  thousand  dollars  plus  interest
                  coverage  for 113 days at a maximum  interest  rate of 12% per
                  annum ($2,594,167).

PURPOSE:          To credit enhance Industrial  Development Revenue Bonds in the
                  amount of $2,500,000.

REPAYMENT
TERMS:            The bonds will  amortize  over a period not to exceed  fifteen
                  (15) years.


<PAGE>

FACILITY I:
(Continued)



LETTER OF
CREDIT FEES:      The letter of credit  fee would be per  annum,  based upon the
                  letter  of  credit  amount  outstanding  from  time  to  time,
                  computed  on the basis of actual days  elapsed  over a 360-day
                  year and priced according to the following matrix:

                  Funded Debt to EBIDA of <3.0:1.0 100 Basis Points
                  Funded Debt to EBIDA of <3.5:1.0 125 Basis Points
                  Funded Debt to EBIDA of <4.0:1.0 150 Basis Points

                  Tested on a quarterly  basis. L/C fee is reset, if need be, as
                  of the first day of the month subsequent to testing.

LETTER OF
CREDIT TERM:      13 Month Evergreen.

COLLATERAL:       1) First deed of trust on building  and real  estate  acquired
                  and developed in Michigan. Bond issuance not to exceed 100% of
                  the lesser of cost or appraised  value.
                  2) First  position on all corporate assets.

                  Cross-liened to all other bank debt.

COVENANTS:        1)  Minimum  Net  Worth of not less than  $15,000,000.  Tested
                  quarterly.
                  2) Funded Debt to rolling four quarters EBIDA not greater than
                  4.0:1.0  and   decreasing   to   3.00:1.00   at  12-31-00  and
                  thereafter.
                  3) Total  liabilities  to tangible  net worth not greater than
                  1.20:1.00 decreasing to 1.00:1.00 at 12-31-00.
                  4) No other loans, liens,  guarantees or leases that aggregate
                  to greater than  $1,000,000  in any fiscal year without  prior
                  written concurrence from Wachovia Bank.

                  Cross-defaulted to all other bank debt.

FINANCIAL
REPORTS:          1) Annually audited financial statements.
                  2) Quarterly, internally prepared financial statements.
                  3) Quarterly Covenant compliance certificate.
                  4) Loan documentation satisfactory to lender.
                  5) Monthly borrowing base certificate & supporting documents.



<PAGE>

FACILITY I:
(Continued)



CONSTRUCTION
PHASE:            Normal construction period monitoring and documentation.


CONDITIONS
PRECEDENT:        1)  Copy of construction budget.
                  2) Performance  bonding of general contractor  satisfactory to
                  the Bank.
                  3)   Appraisal   on  planned   basis  and  post   construction
                  satisfactory to the Bank.
                  4) Phase I environmental assessment satisfactory to the Bank.

BORROWER:         Open Plan Systems, Inc.



FACILITY II:      Revolving Line of Credit.

AMOUNT:           Five Million Dollars ($5,000,000).

PURPOSE:          General Working Capital Needs.

REPAYMENT
TERMS:            Interest only with principal due at expiration.

EXPIRATION:       March 31, 2002.

PRICING:          1)  Wachovia's Prime or
                  2) Monthly  Libor based  matrix with credit  spread based upon
                  the following:

                  Funded Debt to EBIDA of <2.5:1.0 +145 Basis Points
                  Funded Debt to EBIDA of <3.0:1.0 +165 Basis Points
                  Funded Debt to EBIDA of <3.5:1.0 +185 Basis Points
                  Funded Debt to EBIDA of <4.5:1.0 +205 Basis Points

                  (Monthly Libor index rate at 3-7-00 was 5.92%)

                  Tested on a quarterly basis. Interest is reset, if need be, as
                  of the first  day of the  month  subsequent  to  testing.  The
                  pricing is at the borrower's option.


<PAGE>

FACILITY II:
(Continued)



FACILITY
FEE:              Annual $15,000 facility fee. Waived entirely for 2000,  except
                  $1,000, which is due at signing of commitment letter.

UNUSED
FEE:              Unused  portion of  facility  subject to a 25 basis point fee.
                  Fee calculated on a quarterly basis and due in arrears.

COLLATERAL:       Secured by a general lien on corporate assets.

                  Cross-liened to all other bank debt.

BORROWING
BASE:             Monthly  borrowing  base  analysis to be  prepared  with a 80%
                  advance rate on domestic accounts receivable under 90 days old
                  and 50%  advance on  inventory  used in the  normal  course of
                  business.

                  Ineligibles in accounts  receivable  include  balances greater
                  than 90 days old, accounts in excess of $100,000 where greater
                  than 40% of the  balance  exceeds  90 days in aging,  accounts
                  that are foreign and any other receivable deemed  questionable
                  by the  bank.  Certain  receivables  that are  foreign  can be
                  included with prior written Wachovia concurrence.

                  Eligible  inventory  is  deemed  to be that  which is held for
                  resale in the normal  course of business  excluding,  however,
                  work-in-process and scrap.  Eligible inventory reliance not to
                  exceed $2,000,000.

                  Borrowing  base to be reduced by the lesser of $500K or 20% of
                  Facility I above.

COVENANTS:        Same as Facility I.

FINANCIAL
REPORTS:          Same as Facility I.

CONDITIONS
PRECEDENT:        1) February 2000,  month end borrowing base  certificate  with
                  supporting   accounts   receivable  and  payable  detail,  and
                  inventory listing.


<PAGE>

Bill, Wachovia is sincerely appreciative of being selected as your lead bank. My
colleagues  here at  Wachovia  and I look  forward to working  with you and your
organization  and assisting you in achieving your strategic  short and long-term
goals.  Please  call me if you have  any  questions  or I can be of any  further
assistance.

Very truly yours,

/s/ William E. Hutchinson

William E. Hutchinson
Vice President

Accepted and agreed to this       15th         day of       March        , 2000.
                            ------------------        -------------------

Open Plan Systems, Inc.


By:  /s/ William F. Crabtree
    --------------------------------------------
    William F. Crabtree, Chief Financial Officer


cc:  John L. Hobey, OPI
     Neil Suffa, OPI
     Mark Flatin, WB
     Susan Barlett, WB