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                                                                   EXHIBIT 10.4


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                                   LOAN AGREEMENT

     THIS AGREEMENT, dated October 9, 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 
Robert P. DePalo, residing at 208-16 38th Avenue, 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 One Hundred and Eighty Thousand 
($180,000) Dollars for 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 principal
          amount of One Hundred and Eighty Thousand ($180,000) Dollars. The
          aggregate principal amount borrowed 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 One Hundred and
          Eighty Thousand ($180,000) Dollars which shall hereinafter be 
          classified as Senior Collateralized Debt payable by the Borrower to 
          the Lender, with all rights attendant thereto.

     1.2  COLLATERAL.  The Loan shall be secured by all of the company's 
          current and future account receivable as well as all equipment and 
          fixtures owned by the company or it's subsidiaries.

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

     1.4  INTEREST.  Interest shall be paid at the rate of ten (10%) percent 
          per annum and will be payable month starting on November 9, 1996.

     1.5  PRINCIPAL.  The aggregate principle amount of the Loan and 
          Promissory Note is One Hundred and Eighty Thousand ($180,000) 
          Dollars.

     1.6  PAYMENT.  Payment of the loan and Promissory Note shall be due on 
          three (3) day written demand notice to the company from the lender, 
          all notices shall be sent via United States Postal Service Certified
          Mail Return Receipt Requested.

     1.7  CONFESSION OF JUDGMENT.  In the event of a default which is not 
          cured within five (5) business days of written notice of default, 
          the company irrevocably submits and consents to allow the Lender to 
          enter a judgment and levy on the same.

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

     Section 2.  REPRESENTATIONS AND WARRANTIES OF BORROWER

                 The Borrower represents and warrants that:


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     2.1  CORPORATION 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 charter 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-law's of 
          the Borrower, or any statue, governmental regulation or order, 
          judgment, decree, agreement, indenture or instrument applicable to 
          any thereof.

     2.3  AUTHORIZATIONS.  All governmental approvals, licenses, 
          authorizations, consents, fillings 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 Queens 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.

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
                                       --------------------------------
                                       William S. Taylor, President
              

                                    By: /s/ Les Winder
                                       --------------------------------
                                       Les Winder, Executive Vice President


/s/ Robert P. De Palo
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Robert P. De Palo (Lender)