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                                                                   EXHIBIT 10.20

                           COLLATERAL PROMISSORY NOTE

Principal Amount $100,000.00                                      March 12, 2001

         Promise to Pay: FOR VALUE RECEIVED, the undersigned hereby promises to
pay to the order of NATIONAL FULFILLMENT, INC. at 6960 East Gate Blvd., Lebanon,
Tennessee 37090 or such other place as National Fulfillment, Inc. may by written
notice provide, the principal sum of $100,000.00, with interest at the rate of
18.00% per annum simple interest, on or before April 30, 2001.

         Maker has set aside as collateral for payment of this liability the
following items:

         KOMATSU BULLDOZER MODEL # D65PX-12 SERIAL # 61870
         APPROXIMATE VALUE $250,000
         PERSONAL GUARANTEE OF: GEORGE S. HASTINGS, JR.

         Acceleration on Default in Payment of Any Installment-Grace Period. On
default in the payment in full of any installment of this note, which default
continues for more than 30 days, the entire unpaid balance shall, at the option
of the holder of the note, become immediately due and payable from the full net
worth of AquaPro Corporation.

         Acceleration Upon Occurrence of Specified Events. This note shall
become due and payable immediately upon the occurrence of any of the following
events:

         Misrepresentation: The making of any misrepresentation by the Maker to
the Payee for the purpose of obtaining credit or an extension of credit;

         Creditor's Meeting: The calling of a meeting of the Maker's creditors;

         Committee of Creditors: The appointment of a committee of the Maker's
creditors;

         Assignment for Benefit of Creditors: The making of an assignment for
the benefit of the Maker's creditors;

         Receivership: The filing of a voluntary petition by or an involuntary
petition for or the appointment of a receiver of the Maker's property;

         Bankruptcy: The filing of a voluntary petition by or an involuntary
petition against the Maker under any provision of the federal Bankruptcy Act;

         Attachment: The issuance of a warrant of attachment or for distraint
against any of the Maker's property;

         Tax Lien: The issuance of a notice of tax lien against the Maker or the
Maker's property;

         Judgments: The entry of a judgment against the Maker or the Maker's
property;

         Nonpayment of Taxes: The Maker's failure to pay, withhold, collect or
remit any tax or tax

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deficiency when assessed or due;

         Dissolution of Business: The dissolution of the Maker's business;

         Bulk Sale: The making of a bulk sale by the Maker or the giving of a
notice of intent to do so;

         Suspension or Liquidation of Business: The suspension or liquidation of
the Maker's usual business;

         Failure to Furnish Financial Information: The Maker's failure, after
demand by payee, to furnish financial information to the Payee or permit the
Payee to examine any of the Maker's books of account or records;

         Default in Performance of Other Obligations: The Maker's failure to pay
any other note or obligation held by the Payee when due; or

         Lawsuit of Other Creditor: The Maker's becoming a defendant in a
lawsuit by a creditor in the ordinary course of business.

         This Note shall be non-negotiable, non-assignable, and shall not be
pledged or hypothecated. If default shall occur, National Fulfillment, Inc. may
take whatever legal action is necessary to collect on the Note. Any failure to
assert any such rights shall not be deemed to be a waiver thereof. Should this
Note be in default and National Fulfillment, Inc. resort to legal action for the
collection of any amount due hereunder, the undersigned agrees to pay all
reasonable costs of collection, including reasonable attorney's fees.

         Maker of this Note waivers presentment, demand for payment, notice of
dishonor, notice of protest, and, except as herein otherwise expressly provided,
all other notices or demands in connection with the delivery, acceptance,
performance, or default of this Note and expressly agrees that this Note or any
payment hereunder may be extended from time to time by the Holder of this Note
without in any way affecting the liability of the Maker hereunder.

         This Note may not be changed or terminated orally, but only by an
agreement in writing and signed by the party against whom enforcement of any
waiver, change, modification, or discharge is sought, with such agreement being
effective and binding only upon attachment hereto.

         This Note may be prepaid at any time without prepayment penalty.

         This Note is to be construed in all respects and enforced according to
the laws of the State of Mississippi.

         This Note shall be binding upon the Undersigned Company and upon its
legal representatives, heirs and successors, and in the event of default by
AquaPro Corporation, upon George Hastings, Jr. his legal representatives, heirs
and successors.


                                          AQUAPRO CORPORATION



By: /s/ George S. Hastings, Jr.           By: /s/ George S. Hastings, Jr.
    ---------------------------------         ----------------------------------
    George S. Hastings, Jr.                   George S. Hastings, Jr.