Exhibit 4.1

<TABLE>
<CAPTION>
<S>                                             <C>                                         <C>
----------------------------------------------- ------------------------------------------- -----------------------------
Knobias, Inc.                                   BANK OF BROOKHAVEN                          Loan Number 79897
P.O. Box 2783                                   411 BROOKWAY, BLVD.                         Date 04/27/05
Ridgeland, MS 39158                             BROOKHAVEN, MS 39601                        Maturity Date   04/27/06
                                                                                            Loan Amount $300,360.00

BORROWER'S NAME AND ADDRESS                     LENDER'S NAME AND ADDRESS                   Renewal of ____________
"I" includes each borrower above, joint         "You" means the lender, its successors
and severally                                   and assigns
----------------------------------------------- ------------------------------------------- -----------------------------
</TABLE>

For value  received,  I promise to pay to you,  or your order,  at your  address
listed above the PRINCIPAL sum of Three hundred  thousand  three hundred sixty &
no/100 Dollars $ 300,360.00

|_|   Single Advance: I will receive all of this principal sum on __________, No
      additional advances are contemplated under this note.

|X|   Multiple  Advance:  The principal sum shown above is the maximum amount of
      principal I can borrow under this note.  On  __________ I will receive the
      amount of  $__________  and future  principal  advances are  contemplated.
      Conditions: The conditions for future advances are

                        UPON REQUEST AND OFFICER APPOVAL
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

      |X| Open End  Credit:  You and I agree that I may borrow up to the maximum
amount of  principal  more than one time.  This  feature is subject to all other
conditions and expires on April 27, 2006 .

      |_| Close End Credit:  You and I agree that I may borrow up to the maximum
only one time (and subject to all other conditions).

INTEREST:  I agree to pay  interest on the  outstanding  principal  balance from
April 27,  2005 at the rate of 7.7500 % per year  until THE FIRST  SCHEDLE  RATE
CHANGE.                                                 ------------------------
------

|X|   Variable Rate: This rate may then change as stated below.

|X|   Index  Rate:  The future  rate will be 2.000 % ABOVE the  following  index
      rate:

      NEW YORK PRIME
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

      |_|   No Index:  The future  rate will not be subject to any  internal  or
            external index. It will be entirely in your control.

      |X|   Frequency  and Timing:  The rate on this note may change as often as


            A change in the  interest  rate will  take  effect  THE SAME DAY THE
            INDEX CHANGES                                       ----------------
            -------------

      |_|   Limitations:  During the term of this loan,  the  applicable  annual
            interest  rate  will not be more  than N/A % or less than N/A %. The
            rate may not change more than N/A % each N/A .

      Effect  of  Variable  Rate:  A change in the  interest  rate will have the
      following effect on the payments:

      |_|   The amount of each scheduled payment will change.

      |X|   The amount of the final payment will change.

      |_|   __________________________________________________________ .

ACCRUAL METHOD: Interest will be calculated on a ACTUAL 360 basis.

POST MATURITY  RATE: I agree to pay interest on the unpaid  balance of this note
owing after maturity, and until paid in full, as stated below:

      |X|   on the same fixed or variable rate basis in effect  before  maturity
            (as stated above).

      |_|   at a rate equal to

|X| LATE  CHARGES:  If a payment  is made more than 15 days  after it is due,  I
agree to pay a late  charge of 4% OF THE UNPAID  AMOUNT OR $5.00,  WHICHEVER  IS
GREATER, BUT IN NO EVENT GREATER THAN $50.00.

|X| ADDITIONAL  CHARGES:  In addition to interest,  I agree to pay the following
charges which are are not included in the principal  amount above:

SEE SEPARATE ITEMIZATION SHEET.
--------------------------------------------------------------------------------

PAYMENTS: I agree to pay this note as follows:

|X| Interest: I agree to pay accrued interest AT MATURITY - APRIL 27, 2006

|X| Principal: I agree to pay the principal AT MATURITY - APRIL 27, 2006

|_|  Installments:  I agree to pay this note in __________  payments.  The first
payment  will be in the amount of  $__________  and will be due  __________  . A
payment of $__________ will be due __________  thereafter.  The final payment of
the entire unpaid balance of principal and interest will be due ________________

ADDITIONAL  TERMS:  PERSONAL  GUARANTIES BY ROBERT  ATKINS,  TIM AYLOR,  GREGORY
BALLARD,  DANNY M.  DUNNAWAY,  E. KEY  RAMSEY  AND JOE  STEPHNS  ANFD  FINANCIAL
STATEMENT

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                            <C>
|_| SECURITY:  This note is separately secured by
(describe separate document by type and date):                 PURPOSE: The purpose of this loan is:
                                                               LINE OF CREDIT FOR SEASONAL CASH FLOW

                                                               SIGNATURES: I AGREE TO THE TERMS OF THIS NOTE

(This section is for internal use. Failure to list             (INCLUDING THOSE ON PAGE 2). I have received a copy on today's date.
a separate's  document does not mean the agreement will
not secure the note).

Signature for Lender                                            KNOBIAS, INC.

/s/ ROBERT C. MASSENGILL, II                                    /s/ E. KEY RAMSEY
----------------------------                                    ---------------------
Robert C. Massengill                                            E. Key Ramsey
Loan Officer
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

DEFINITIONS:  As used on page 1, `(X)"  means the terms that apply to this loan.
"I," `me' or "my"  means  each  Borrower  or who signs  this note and each other
person or legal entity  (including  guarantors,  endorsers,  and  sureties)  who
agrees to pay this note (together  referred to as "us").  "You" and "your" means
the Lender and its successors and assigns.

APPLICABLE  LAW:  The law of the state in which you are located will govern this
note.  Any term of this note which is  contrary  to  applicable  law will not be
effective,  unless the law permits you anti me to agree to such a variation.  If
any provision of this agreement cannot ire enforced according to its terms, this
fact will not affect the  enforceability of the remainder of this agreement.  No
modification of this agreement may be made without your express written consent.
Time is of the essence in the agreement.

PAYMENTS:  Each  payment I make on this note will first  reduce the amount I owe
you for charges which are neither interest nor principal.  The remainder of each
payment will then reduce accrued unpaid interest, and then unpaid principal.  If
you and I agree to a different  application  of payments,  we will  describe our
agreement  on this note.  I may prepay a part of, or the entire  balance of this
loan  without  penalty,  unless we specify  to the  contrary  on this note.  Any
partial  prepayment will not excuse or reduce any later scheduled  payment until
this note is paid in full (unless,  when I make the prepayment,  you and I agree
in writing to) the contrary.

INTEREST:  Interest accrues on the principal remaining unpaid from time to time,
until paid in full.  If I receive the  principal in more then one advance,  each
advance  will  start to earn  interest  only when I  receive  the  advance.  The
Interest  rate in effect on this note at any given time will apply to the entire
principal advanced at that time.  Notwithstanding anything to the contrary, I do
not agree to pay and you do not  intend to charge any rate of  interest  that is
higher than the maximum rate of interest you could charge under  applicable  law
for the  extension  of credit,  that in agreed to here  (either  before or after
maturity).  If any  notice  of  interest  accrual  is sent and is in  error,  we
mutually  agree to correct it, and if you actually  collect more  interest  than
allowed by law and this agreement, you agree to refund it to me.

INDEX  RATE:  The Index will serve only as a device for setting the rate on this
note. You do not guarantee by selecting this index, or the margin, that the rate
on this  note will be the same  rate you  charge on any other  loans or class of
loans to me or other borrowers.

ACCRUAL  METHOD:  The  amount of  interest  that I will pay on this loan will be
calculated  using the interest rate and accrual  method stated on page 1 of this
note. For the purpose of interest calculation, the accrual method will determine
the number of days in a "year." If no accrual method is stated, then you may use
any reasonable accrual method for calculating interest.

POST  MATURITY  RATE:  For purposes of deciding  when the "Post  Maturity  Rate"
(shown  on page 1)  applies,  the  term  "maturity"  means  the date of the last
scheduled  payment  indicated on page 1 of this note or the date you  accelerate
payment on the note, whichever is earlier.

SINGLE  ADVANCE  LOANS:  If this is a single advance loan, you and I expect that
you will make only one advance of principal.  However, you may add other amounts
to the principal if you make any payments  described in the "PAYMENTS BY LENDER"
paragraph below.

MULTIPLE  ADVANCE  LOANS:  If this is a multiple  advance loan, you and I expect
that you will make more than one  advance  of  principal.  If this is closed end
credit,  repaying a part of the  principal  will not  entitle  me to  additional
credit.

PAYMENTS BY LENDER:  if you are  authorized  to pay, on my behalf,  charges I am
obligated to pay (such an property insurance premiums), then you may treat those
payments made by you as advances and add them to the unpaid principal under this
note, or you may demand immediate payment of the charges.

SET-OFF: I agree that you may set off any amount due and payable under this note
against any right I have to receive money from you.

      Right to receive money from you" means:

      (1)   any deposit account balance I have with you;

      (2)   any  money  owed  to me on an  item  presented  to  you  or in  your
            possession for collection or exchange; and

      (3)   any repurchase agreement or other nondeposit obligation.

      "Any  amount due and payable  under this note"  means the total  amount of
which you are  entitled  to demand  payment  under the terms of this note at the
time you set off.  This total  includes  any  balance the due date for which you
properly accelerate under this note.

      If my right to receive  money from you is also owed by someone who has not
agreed to pay this note,  your right of set-off will apply to my interest in the
obligation  and to any other  amounts I could  withdraw  on my sole  request  or
endorsement.  Your  right of  set-off  does not  apply  to an  account  or other
obligation where my rights are only as a representative.  It also does not apply
to any Individual Retirement Account or other tax-deferred retirement account.

<PAGE>

      You will not be liable nor the  dishonor  of any check  when the  dishonor
occurs because you set off this debt against any of my accounts. I agree to hold
you harmless  from any such claims  arising as a result of your exercise of your
right of set-off.

REAL ESTATE OR  RESIDENCE  SECURITY:  If the note is secured by real estate or a
residence  that is  personal  property,  the  existence  of a  default  and your
remedies for such a default will be determined  by applicable  law, by the terms
of any separate instrument creating the security interest and, to the extent not
prohibited  by law  and not  contrary  to the  terms  of the  separate  security
instrument, by the "Default" and `Remedies" paragraphs herein.

DEFAULT:  I will be in default if any one or more of the following  occur: (1) I
fail to make a  payment  on time or in the  amount  due;  (2) I fail to keep the
property insured,  if required;  (3) I fail to pay, or keep any promise,  on any
debt or  agreement I have with you; (4) any other  creditor of mine  attempts to
collect any debt I owe him  through  court  proceedings:  (5) I die, am declared
incompetent,  make an  assignment  for  the  benefit  of  creditors,  or  became
insolvent (either because my liabilities  exceed my assets or I am unable to pay
my debts as they become  due);  (6) I make any written  statement or provide any
financial  information that is untrue or inaccurate at the time it was provided;
(7) I do or fail to do something which causes you to believe that you will haven
difficulty  collecting  the amount I owe you; (8) any  collateral  securing this
note is used in a manner  or for a purpose  which  threatens  confiscation  by a
legal  authority:  (9) I changes my name or assume an  additional  name  without
first notifying you before making such a change; (10) I fail to plant, cultivate
and  harvest  crops in due  season  if I am  producer  of  crops;  (11) any loan
proceeds are used for a purpose  that will  contribute  to excessive  erosion of
highly erodible land or to the conversion of wetlands to produce an agricultural
commodity, as further explained in 7 C.F.R. Part 1940 Subpart C, Exhibit M.

REMEDIES:  If I am in default on this note you have, but are not limited to, the
following remedies:

(l)   You  may  demand  immediate  payment  of all I owe  you  under  this  note
      (principal, accrued unpaid interest and other accrued charges).

(2)   You may set off this debt against any right I have to the payment of money
      from you, subject in the terms of the "Set-Off" paragraph herein.

(3)   You may demand security,  additional security, or additional parties to be
      obligated to pay this note as a condition for not using any other remedy.

(4)   You may refuse to make advances to me or allow purchases on credit by me.

(5)   You may use any remedy you have under state or federal law.

By selecting any one or more of these  remedies you do not give up your right to
later use any other  remedy.  By waiving  your right to declare an event to be a
default, you do not waive your tight to later consider the event as a default if
it continues or happens again.

COLLECTION  COSTS AND  ATTORNEY'S  FEES: I agree to pay all costs of collection,
replevin or any other or similar  type of cost if I am in default.  In addition,
if you hire an  attorney to collect  this note,  I also agree to pay any fee you
incur with such attorney  plus court costs (except where  prohibited by law). To
the extent  permitted by the United States  Bankruptcy Code, I also agree to pay
the  reasonable  attorney's  fees and costs you  incur to  collect  this debt as
awarded by any court exercising jurisdiction under the Bankruptcy Code.

WAIVER:  I give up my rights to  require  you to do certain  things.  I will not
require you to:

(1)   demand payment of amounts due (presentment);

(2)   obtain official certification of nonpayment (protest): or

(3)   give notice that amounts due have not bean paid (notice of dishonor).

      I  waive  any  defenses  I have  based  on  suretyship  or  impairment  of
collateral.

OBLIGATIONS INDEPENDENT:  I understand that I must pay this note even if someone
else has also agreed to pay it (by, for example, signing this form or a separate
guarantee or endorsement). You may sue me alone, or anyone else who is obligated
on this note, or any number of us together,  to collect this note. You may do so
without  any  notice  that it has not been paid  (notice of  dishonor).  You may
without notice release any party to this agreement  without  releasing any other
party. If you give up any of your rights,  with or without  notice,  it will not
affect my duty to pay this note.  Any  extension  of new credit to any of us, or
renewal  of this note by all or less than all of us will not  release me from my
duty to pay it. (Of course,  you are  entitled  to only one payment in full).  I
agree that you may at your option  extend this note or the debt  represented  by
that note,  or any portion of the note or debt,  from time to time without limit
or notice and for any term without  affecting  my  liability  for payment of the
note. I will not assign my obligation  under this  agreement  without your prior
written approval.

CREDIT INFORMATION: I agree and authorize you to obtain credit information about
me from time to time (for example,  by requesting a credit report) and to report
to others your credit experience with me (such as a credit reporting  agency). I
agree to provide you, upon request,  any financial  statement or information you
may deem  necessary.  I warrant that the financial  statements and information I
provide to you are or will be accurate, correct and complete.

<PAGE>

NOTICE:  Unless  otherwise  required by law,  any notice to me shall be given by
delivering  it or by mailing it by first class mail  addressed  to me at my last
known address. My current address is on page 1. I agree to inform you in writing
of any change in my  address.  I will give any notice to you by mailing it first
class  to your  address  stated  on page 1 of this  agreement,  or to any  other
address that you have designated.

<TABLE>
<CAPTION>

----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
    Date of         Principal      Borrower's     Principal       Principal    Interest Rate     Interest     Interest Paid
  Transaction        Advance     Initials (not     Payments        Balance                       Payments        Through
                                   required)
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
<S>               <C>            <C>             <C>            <C>            <C>             <C>            <C>
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
   /       /      $                              $              $                       %      $                 /       /
----------------- -------------- --------------- -------------- -------------- --------------- -------------- --------------
</TABLE>


<PAGE>

<TABLE>
<CAPTION>
<S>                                             <C>                                         <C>
----------------------------------------------- ------------------------------------------- -----------------------------
Knobias, Inc.                                   BANK OF BROOKHAVEN                          Loan Number 79897
P.O. Box 2783                                   411 BROOKWAY, BLVD.                         Date 04/27/05
Ridgeland, MS 39158                             BROOKHAVEN, MS 39601                        Maturity Date   04/27/06
                                                                                            Loan Amount $300,360.00

BORROWER'S NAME AND ADDRESS                     LENDER'S NAME AND ADDRESS
----------------------------------------------- ------------------------------------------- -----------------------------
</TABLE>


                           AMOUNT FINANCED ITEMIZATION
                   "Me" and "My" refer to each borrower above.

                   Amount given to me directly $ _________ .00
                  Amount paid on my (loan) account $ _________

_____________________________________   $ ______________________________________


         AMOUNTS PAID TO OTHERS ON MY BEHALF:

                   Insurance Companies: $ ______________________________________

                   Public Officials:    $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

         CREDIT REPORT FEE              $ _________________________________60.00

         DOCUMENT PREPARATION           $ ________________________________300.00

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

         LINE OF CREDIT                 $ _____________________________300000.00

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________

_____________________________________   $ ______________________________________


(less) PREPAID FINANCE CHARGE(S)        $ ________________________________360.00


             AMOUNT FINANCED            $ _____________________________300000.00

             (Add all items financed and subtract prepaid charges.)

BY SIGNING BELOW- I ACKNOWLEDGE RECEIPT OF A COPY OF THIS DISCLOSURE ON THE DATE
INDICATED ABOVE.

Knobias, Inc.


/s/ E. KEY RAMSEY          X________________________  X_________________________
-------------------
E. Key Ramsey