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                                                                  EXHIBIT 10.3


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                              LOAN AGREEMENT

     THIS AGREEMENT, dated September 20, 1996 by and between Electronics 
Communications Corp., with offices located at 10 Plog Road, Fairfield, New 
Jersey 07004 hereinafter referred to as "Borrower" or "the Company" and 
Marrotta Group, with offices located at 203-20 Rocky Hill Road, Bayside, New 
York 11361 hereinafter referred to as "Lender."

     WHEREAS, the Borrower has requested that the Lender make a loan to the 
Borrower in the principal amount of Five Hundred Thousand ($500,000) Dollars 
for the general corporate purposes, and 

     WHEREAS, subject to the terms and conditions hereinafter set forth, the 
Lender is willing to make such loan to Borrower; 

     NOW THEREFORE, in consideration of the promises and the mutual covenants 
and agreements herein contained, the parties hereto agree as follows:

     Section 1.   THE LOAN

     1.1  LOAN.  The Lender agrees, subject to the terms and conditions 
          hereinafter set forth, to loan to Borrower the aggregate principle
          amount of Five Hundred Thousand ($500,000) Dollars. The aggregate
          principle amount borrowed by the borrower from the Lender is herein
          called the "Loan." The Lender agrees to lend to the Borrower and 
          the Borrower agrees to borrow from the Lender the sum of Five 
          Hundred Thousand ($500,000) Dollars which shall hereinafter be 
          classified as a Senior Debt payable by the Borrower to the Lender, 
          with all rights attendant thereto.

     1.2  PROMISSORY NOTE.  The Loan shall be made and evidenced by a 
          promissory note of the Borrower substantially in the form 
          annexed hereto ("Promissory Note"), 

     1.3  INTEREST.  Interest shall be paid at the rate of ten (10%) percent 
          per annum and will be payable on the first anniversary of the Loan, 
          or at such time prior to the first anniversary of the Loan should 
          the Borrower make full payment to the Lender. All interest payments
          by the Borrower to the Lender shall be in cash or the common stock
          of the Company, the choice of which shall be at the sole discretion
          of the Company.

     1.4  PRINCIPLE.  The aggregate principal amount of the Loan and 
          Promissory Note is Five Hundred Thousand ($500,000) Dollars.

     1.5  PAYMENT.  Payment of the loan and Promissory Note shall be made on 
          or before June 20, 1997. At such time as payment becomes due from 
          Borrower to Lender, the Borrower may request and the Lender shall be
          bound to grant a three (3) month extension of the Loan in which case
          full payment shall be due no later than September 20, 1997. Upon
          the occurrence of a change in control of the Company or upon a 
          change in the management of the Company, the Loan shall immediately
          become due upon demand of the Lender.


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     1.6  USE OF PROCEEDS.  The borrower agrees that the proceeds of the Loan 
          shall be used fully and exclusively for general corporate purposes.

     1.7  OTHER CONSIDERATION.  In further consideration for making the Loan, 
          in addition to the foregoing repayment terms, Borrower shall issue 
          to Lender, or its assignees or assigns, 200,000 shares of the 
          Company's common stock with Demand and Piggy Back Registration 
          Rights and 400,000 class A warrants of the Company with Demand and 
          Piggy Back Registration Rights. Lender represents and warrants that 
          the shares and warrants received under the terms of this Agreement 
          may not be sold to any foreign entity or person whatsoever.

     Section 2.   REPRESENTATIONS AND WARRANTIES OF BORROWER

                  The Borrower represents and warrants that:

     2.1  CORPORATE EXISTENCE, POWER AND AUTHORITY OF THE BORROWER.  The 
          Borrower is a corporation duly organized, validly existing and in
          good standing under the laws of its jurisdiction of incorporation 
          of formation and is duly licensed or qualified in each jurisdiction
          where the character of the property owned by it or the nature of the
          business transacted by it requires such licensing or qualification. 
          The borrower has all requisite power, authority and legal right to 
          conduct business as it is now being conducted and to enter into, 
          consummate and perform all the provisions of this Agreement, and any 
          instrument, agreement or document referred to herein to which the 
          Borrower is or shall be a party, have been duly authorized by all 
          corporate and other required actions.

     2.2  NO CONFLICTS.  The execution, delivery and performance by the 
          Borrower of this Agreement, the Promissory Note or any other 
          instrument, agreement or document, referred to herein does not and
          will not result in any violation of, or be in conflict with, any 
          terms or provision of the Articles of Incorporation or By-Laws of 
          the Borrower, or any statute, governmental regulation or order, 
          judgment, decree, agreement, indenture or instrument applicable to
          any thereof.

     2.3  AUTHORIZATIONS.  All governmental approvals, licenses, 
          authorizations, consents, filings and registrations, if any, required 
          for the delivery and execution of this Agreement and any applicable 
          instrument, agreement or document referred to herein have been 
          obtained or made, and are final and are not subject to review or 
          appeal or, to the knowledge or belief of the Borrower, the subject of
          any pending or threatened attack or appeal be direct proceedings or
          otherwise.

     Section 3.  JURISDICTION

     3.1  NEW YORK JURISDICTION.  The Borrower hereby irrevocably submits to 
          the jurisdiction of the Supreme Court of the State of New York, 
          County of Nassau in any action, suit, or proceeding brought 
          against the Borrower and related to or in connection with this 
          Agreement or any other instrument, agreement or document referred to
          herein or any transaction contemplated hereby.


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In Witness Whereof, the parties have caused this Agreement to be duly 
executed and delivered as of the date first above written.

                                  Electronics Communications Corp.


                                  By: /s/WILLIAM S. TAYLOR
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                                     William S. Taylor, President


                                  Marrotta Group


                                  By: /s/GREGG MARCUS
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                                     Gregg Marcus, President