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                                                 Exhibit 10.1

NATIONSBANK, N.A.                                                   Customer #
                                LOAN AGREEMENT

    This Loan Agreement (the "Agreement") dated as of May 31, 1997, by and
between NationsBank, N.A.,  a national banking association ("Bank") and the
Borrower described below.

         In consideration of the Loan or Loans described below and the mutual
covenants and agreements contained herein, and intending to be legally bound
hereby, Bank and Borrower agree as follows:

    1.   DEFINITIONS AND REFERENCE TERMS.  In addition to any other terms
defined herein, the following terms shall have the meaning set forth with
respect thereto:

         A.   Borrower:  e-Net, Inc.
  
         B.   Borrower's Address:  12800 Middlebrook Road, Suite 200
                                   Gaithersburg, Maryland 20874
  
         C.   Current Assets.  Current Assets means the aggregate amount of all
  of Borrower's assets which would, in accordance with GAAP, properly be
  defined as current assets. 
  
         D.   Current Liabilities. Current Liabilities means the aggregate
  amount of all current liabilities as determined in accordance with GAAP, but
  in any event shall include all liabilities except those having a maturity
  date which is more than one year from the date as of which such computation
  is being made.
  
         E.   Hazardous Materials.  Hazardous Materials include all materials
  defined as hazardous materials  or substances under any local, state or
  federal environmental laws, rules or regulations, and petroleum, petroleum
  products, oil and asbestos.
  
         F.   Loan. Any loan   described in Section 2 hereof and any subsequent
  loan which states that  it is subject to this Loan Agreement. 
  
         G.   Loan Documents.  Loan Documents means this Loan Agreement and any
  and all promissory notes executed by Borrower in favor of Bank and all other
  documents, instruments, guarantees, certificates and agreements executed
  and/or delivered by Borrower, any guarantor or third party in connection with
  any Loan.
  
         H.   Tangible Net Worth.  Tangible Net Worth means the amount by which
  total assets exceed total liabilities in accordance with GAAP.
  
         I.   Accounting Terms.  All accounting terms not specifically defined
  or specified herein shall have the meanings generally attributed to such
  terms under generally accepted accounting principles ("GAAP"), as in effect
  from time to time, consistently applied, with respect to the financial
  statements referenced in Section 3.H. hereof.
  
    2.   LOANS.

         A.   Loan.  Bank hereby agrees to make (or has made)  one or more
loans   to Borrower. The obligation to repay the loans  is evidenced by a
promissory note or notes (the promissory note or notes together with any  and
all renewals, extensions or rearrangements thereof being hereafter collectively
referred to as the "Note") having a maturity date, repayment terms and interest
rate as set forth in the Note.

              i.  Revolving Credit Feature.  The Loan provides for a revolving
line of credit (the  "Line") under which Borrower may from time to time, borrow,
repay and re-borrow funds.

    3.   REPRESENTATIONS AND WARRANTIES.  Borrower hereby represents and
warrants to Bank as follows:

         A.   Good Standing.  Borrower is a corporation duly organized, validly
existing and in good standing under the laws of Maryland and has the power and
authority to own its property and to carry on its business in each jurisdiction
in which Borrower does business.

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         B.   Authority and Compliance.  Borrower has full power and authority
to execute and deliver the Loan Documents and to incur and perform the
obligations provided for therein, all of which have been duly authorized by all
proper and necessary action of the appropriate governing body of Borrower.  No
consent or approval of any public authority or other third party is required as
a condition to the validity of any Loan Document, and Borrower is in compliance
with all laws and regulatory requirements to which it is subject.

         C.   Binding Agreement.  This Agreement and the other Loan Documents
executed by Borrower constitute valid and legally binding obligations of
Borrower, enforceable in accordance with their terms.

         D.   Litigation.  There is no proceeding involving Borrower pending
or, to the knowledge of Borrower, threatened before any court or governmental
authority, agency or arbitration authority, except as disclosed to Bank in
writing and acknowledged by Bank prior to the date of this Agreement.

         E.   No Conflicting Agreements.  There is no charter, bylaw, stock
provision, partnership agreement or other document pertaining to the
organization, power or authority of Borrower and no provision of any existing
agreement, mortgage, indenture or contract binding on Borrower or affecting its
property, which would conflict with or in any way prevent the execution,
delivery or carrying out of the terms of this Agreement and the other Loan
Documents.

         F.   Ownership of Assets.  Borrower has good title to its assets, and
its assets are free and clear of liens, except those granted to Bank and as
disclosed to Bank in writing prior to the date of this Agreement.

         G.   Taxes.  All taxes and assessments due and payable by Borrower
have been paid or are being contested in good faith by appropriate proceedings
and the Borrower has filed all tax returns which it is required to file.

         H.   Financial Statements.  The financial statements of Borrower
heretofore delivered to Bank have been prepared in accordance with GAAP applied
on a consistent basis throughout the period involved and fairly present
Borrower's financial condition as of the date or dates thereof, and there has
been no material adverse change in Borrower's financial condition or operations
since the date of the most recent financial information.  All factual
information furnished by Borrower to Bank in connection with this Agreement and
the other Loan Documents is and will be accurate and complete on the date as of
which such information is delivered to Bank and is not and will not be
incomplete by the omission of any material fact necessary to make such
information not misleading.

         I.   Place of Business.  Borrower's chief executive office is located
at

                        12800 Middlebrook Road, Suite 200
                        Gaithersburg, Maryland 20874
    
         J.   Environmental    The conduct of Borrower's business operations
and the condition of Borrower's property does not and will not violate any
federal laws, rules or ordinances for environmental protection, regulations of
the Environmental Protection Agency,  any applicable local or state law, rule,
regulation or rule of common law or any judicial interpretation thereof relating
primarily to the environment or Hazardous Materials. 
 
         K.   Continuation of Representations and Warranties.  All
representations and warranties made under this Agreement shall be deemed to be
made at and as of the date hereof and at and as of the date of any advance under
any Loan.

    4.   AFFIRMATIVE COVENANTS.  Until full payment and performance of all
obligations of Borrower under the Loan Documents, Borrower will, unless Bank
consents otherwise in writing (and without limiting any requirement of any other
Loan Document):

         A.   Financial Condition.  Maintain a financial condition  in
accordance with GAAP applied on a consistent basis throughout the period
involved.

         B.   Financial Statements and Other Information.  Maintain a system of
accounting satisfactory to Bank and in accordance with GAAP applied on a
consistent basis throughout the period involved, permit Bank's officers or
authorized representatives to visit and inspect Borrower's books of account and
other records at such reasonable times and as often as Bank may desire, and pay
the reasonable fees and disbursements of any accountants or other agents of Bank
selected by Bank for the foregoing purposes.  Unless written notice of another
location is given to Bank, Borrower's books and records will be located at
Borrower's chief executive office set forth above. All financial statements
called for below shall be prepared  in form and content acceptable to Bank and
by independent certified public accountants acceptable to Bank.


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In addition, Borrower will:

    i. Furnish to Bank annual audited and consolidated financial statements of
Borrower for each fiscal year of Borrower, within 125 days after the close of
each such fiscal year.

    ii. Furnish to Bank 10-Q Reports of Borrower for each quarter of each
fiscal year of Borrower, within 45 days after the close of each such period.

    iii. Furnish to Bank promptly such additional information, reports and
statements respecting the business operations and financial condition of
Borrower respectively, from time to time, as Bank may reasonably request.

         C.   Insurance.  Maintain insurance with responsible insurance
companies on such of its properties, in such amounts and against such risks as
is customarily maintained by similar businesses operating in the same vicinity,
specifically to include fire and extended coverage insurance covering all
assets, business interruption insurance, workers compensation insurance and
liability insurance, all to be with such companies and in such amounts as are
satisfactory to Bank  and providing for at least 30 days prior notice to Bank of
any cancellation thereof.  Satisfactory evidence of such insurance will be
supplied to Bank prior to funding under the Loan(s) and 30 days prior to each
policy renewal.

         D.   Existence and Compliance.  Maintain its existence, good standing
and qualification to do business, where required and comply with all laws,
regulations and governmental requirements including, without limitation,
environmental laws applicable to it or to any of its property, business
operations and transactions.

         E.   Adverse Conditions or Events.  Promptly advise Bank in writing of
(i) any condition, event or act which comes to its attention that would or might
materially adversely affect Borrower's financial condition or operations or
Bank's rights under the Loan Documents, (ii) any litigation filed by or against
Borrower, (iii) any event that has occurred that would constitute an event of
default under any Loan Documents and (iv) any uninsured or partially uninsured
loss through fire, theft, liability or property damage.

         F.   Taxes and Other Obligations.  Pay all of its taxes, assessments
and other obligations, including, but not limited to taxes, costs or other
expenses arising out of this transaction, as the same become due and payable,
except to the extent the same are being contested in good faith by appropriate
proceedings in a diligent manner.

         G.   Maintenance.  Maintain all of its tangible property in good
condition and repair and make all necessary replacements thereof, and preserve
and maintain all licenses, trademarks, privileges, permits, franchises,
certificates and the like necessary for the operation of its business.

         H.   Environmental .    Immediately advise Bank in writing of (i) any
and all enforcement, cleanup, remedial, removal, or other governmental or
regulatory actions instituted, completed or threatened pursuant to any
applicable federal, state, or local laws, ordinances or regulations relating to
any Hazardous Materials affecting Borrower's business operations; and (ii) all
claims made or threatened by any third party against Borrower relating to
damages, contribution, cost recovery, compensation, loss or injury resulting
from any Hazardous Materials.  Borrower shall immediately notify Bank of any
remedial action taken by Borrower with respect to Borrower's business
operations.  Borrower will not use or permit any other party to use any
Hazardous Materials at any of Borrower's places of business or at any other
property owned by Borrower except such materials as are incidental to Borrower's
normal course of business, maintenance and repairs and which are handled in
compliance with all applicable environmental laws. Borrower agrees to permit
Bank, its agents, contractors and employees to enter and inspect any of
Borrower's places of business or any other property of Borrower at any
reasonable times upon three (3) days prior notice for the purposes of conducting
an environmental investigation and audit (including taking physical samples) to
insure that Borrower is complying with this covenant and Borrower shall
reimburse Bank on demand for the costs of any such environmental investigation
and audit.  Borrower shall provide Bank, its agents, contractors, employees and
representatives with access to and copies of any and all data and documents
relating to or dealing with any Hazardous Materials used, generated,
manufactured, stored or disposed of by Borrower's business operations within
five (5) days of the request therefore. 

    5.   NEGATIVE COVENANTS.  Until full payment and performance of all
obligations of Borrower under the Loan Documents, Borrower will not, without the
prior written consent of Bank (and without limiting any requirement of any other
Loan Documents):

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         A.   Character of Business.  Change the general character of business
as conducted at the date hereof, or engage in any type of business not
reasonably related to its business as presently conducted.

    6.   DEFAULT.  Borrower shall be in default under this Agreement and under
each of the other Loan Documents if it shall default in the payment of any
amounts due and owing under the Loan or should it fail to timely and properly
observe, keep or perform any term, covenant, agreement or condition in any Loan
Document or in any other loan agreement, promissory note, security agreement,
deed of trust, deed to secure debt, mortgage, assignment or other contract
securing or evidencing payment of any indebtedness of Borrower to Bank or any
affiliate or subsidiary of NationsBank Corporation.

    7.   REMEDIES UPON DEFAULT.  If an event of default shall occur, Bank shall
have all rights, powers and remedies available under each of the Loan Documents
as well as all rights and remedies available at law or in equity.

    8.   NOTICES.  All notices, requests or demands which any party is required
or may desire to give to any other party under any provision of this Agreement
must be in writing delivered to the other party at the following address:

    Borrower: e-Net, Inc.
              12800 Middlebrook Road, Suite 200
              Gaithersburg, Maryland 20874
  
    Fax. No. ___________________

    Bank:     NationsBank, N.A.
                   Attn: Barbara E. Deily
                   6610 Rockledge Drive, 3rd Floor
                   Bethesda, Maryland 20817
  
    Fax No. 301-571-9098

or to such other address as any party may designate by written notice to the
other party.  Each such notice, request and demand shall be deemed given or made
as follows:

         A.   If sent by mail, upon the earlier of the date of receipt or five
(5) days after deposit in the U.S. Mail, first class postage prepaid;

         B.   If sent by any other means, upon delivery.

    9.   COSTS, EXPENSES AND ATTORNEYS' FEES.  Borrower shall pay to Bank
immediately upon demand the full amount of all costs and expenses, including
reasonable attorneys' fees (to include outside counsel fees and all allocated
costs of Bank's in-house counsel if permitted by applicable law), incurred by
Bank in connection with (a) negotiation and preparation of this Agreement and
each of the Loan Documents, and (b) . all other costs and attorneys' fees
incurred by Bank for which Borrower is obligated to reimburse Bank in accordance
with the terms of the Loan Documents.

    10.  MISCELLANEOUS.  Borrower and Bank further covenant and agree as
follows, without limiting any requirement of any other Loan Document:

         A.   Cumulative Rights and No Waiver.  Each and every right granted to
Bank under any Loan Document, or allowed it by law or equity shall be cumulative
of each other and may be exercised in addition to any and all other rights of
Bank, and no delay in exercising any right shall operate as a waiver thereof,
nor shall any single or partial exercise by Bank of any right preclude any other
or future exercise thereof or the exercise of any other right.  Borrower
expressly waives any presentment, demand, protest or other notice of any kind,
including but not limited to notice of intent to accelerate and notice of
acceleration.  No notice to or demand on Borrower in any case shall, of itself,
entitle Borrower to any other or future notice or demand in similar or other
circumstances.

         B.   Applicable Law.  This Loan Agreement and the rights and
obligations of the parties hereunder shall be governed by and interpreted in
accordance with the laws of Maryland and applicable United States federal law.

         C.   Amendment.  No modification, consent, amendment or waiver of any
provision of this Loan Agreement, nor consent to any departure by Borrower
therefrom, shall be effective unless the same shall be in writing and signed by
an officer of Bank, and then shall be effective only in the specified instance
and for the purpose for which given.  This Loan Agreement is binding upon

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Borrower, its successors and assigns, and inures to the benefit of Bank, its
successors and assigns; however, no assignment or other transfer of Borrower's
rights or obligations hereunder shall be made or be effective without Bank's
prior written consent, nor shall it relieve Borrower of any obligations
hereunder.  There is no third party beneficiary of this Loan Agreement.

         D.   Documents.  All documents, certificates and other items required
under this Loan Agreement to be executed and/or delivered to Bank shall be in
form and content satisfactory to Bank and its counsel.

         E.   Partial Invalidity.  The unenforceability or invalidity of any
provision of this Loan Agreement shall not affect the enforceability or validity
of any other provision herein and the invalidity or unenforceability of  any
provision of any Loan Document to any person or circumstance shall not affect
the enforceability or validity of such provision as it may apply to other
persons or circumstances.

         F.   Indemnification.  Notwithstanding anything to the contrary
contained in Section 10(G), Borrower shall indemnify, defend and hold Bank and
its successors and assigns harmless from and against any and all claims,
demands, suits, losses, damages, assessments, fines, penalties, costs or other
expenses (including reasonable attorneys'  fees and court costs) arising from or
in any way related to any of the transactions contemplated hereby, including but
not limited to actual or threatened damage to the environment, agency costs of
investigation, personal injury or death, or property damage, due to a release or
alleged release of Hazardous Materials, arising from Borrower's business
operations, any other property owned by Borrower or in the surface or ground
water arising from Borrower's business operations, or gaseous emissions arising
from Borrower's business operations or any other condition existing or arising
from Borrower's business operations resulting from the use or existence of
Hazardous Materials, whether such claim proves to be true or false.  Borrower
further agrees that its indemnity obligations shall include, but are not limited
to, liability for damages resulting from the personal injury or death of an
employee of the Borrower, regardless of whether the Borrower has paid the
employee under the workmen's compensation laws of any state  or other similar
federal or state legislation for the protection of employees.  The term
"property damage" as used in this paragraph includes, but is not limited to,
damage to any real or personal property of the Borrower, the Bank, and of any
third parties.  The Borrower's obligations under this paragraph shall survive
the repayment of the Loan and any deed in lieu of foreclosure or foreclosure of
any Deed to Secure Debt, Deed of Trust, Security Agreement or Mortgage securing
the Loan.

         G.   Survivability.  All covenants, agreements, representations and
warranties made herein or in the other Loan Documents shall survive the making
of the Loan and shall continue in full force and effect so long as the Loan is
outstanding or the obligation of the Bank to make any advances under the Line
shall not have expired.

    11.  NO ORAL AGREEMENT.  THIS WRITTEN LOAN AGREEMENT AND THE OTHER LOAN
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS
OF THE PARTIES. 


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

BORROWER: e-Net, Inc.                    BANK:  NationsBank, N.A.

By: ________________________ (Seal)      By:___________________________ (Seal)
Name:                                    Name: Barbara E. Deily

Title:                                   Title: Vice President
         [Corporate Seal]

If the Borrower is a corporation, the signature should be attested by the
Secretary or Assistant Secretary of the corporation and the corporate seal
affixed.

Attest:_________________________________ (Seal)

Name:___________________________________

Title:__________________________________