Exhibit 10.3

[GRAPHIC OMITTED] NORWEST BANK MINNESOTA,
                  NATIONAL ASSOCIATION                               TERM NOTE A
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$1,500,000.00                                                   January 22, 1997

FOR VALUE RECEIVED, The Barbers, Hairstyling for Men & Women, Inc. (the
"Borrower") promises to pay to the order of Norwest Bank Minnesota, National
Association (the "Bank"), at its principal office or such other address as the
Bank or holder may designate from time to time, the principal sum of One Million
Five Hundred Thousand and 00/100 Dollars ($1,500,000.00), or the amount shown on
the Bank's records to be outstanding, plus interest (calculated on the basis of
actual days elapsed in a 360-day year) accruing on the unpaid balance at the
annual rate of interest defined below. Absent manifest error the Bank's records
will be conclusive evidence of the principal and accrued interest owing
hereunder.

INTEREST RATE. The principal balance outstanding under this Term Note A will
bear interest at 8.82% per annum.

REPAYMENT TERMS

PRINCIPAL AND INTEREST. Principal and interest shall be payable in successive
monthly installments of Twenty Three Thousand Nine Hundred Ninety Seven and
00/100 Dollars ($23,997.00), beginning on February 22, 1997. The remaining
principal balance, plus any accrued interest, shall be fully due and payable on
January 22, 2004.

APPLICATION OF PAYMENTS. Each payment shall be applied as scheduled or as the
Bank in its discretion deems appropriate.

PREPAYMENT PENALTY. This Term Note A may be prepaid in whole or in part at any
time, provided that a premium shall be paid with the prepayment equal to the
amount of interest that would have accrued on the principal being prepaid (from
the date of prepayment to its stated maturity or repricing date) computed at an
annual rate equal to (i) the rate then in effect under this Term Note A on the
principal being prepaid, minus (ii) the yield (including both interest and
discount) on a United States Treasury Security of comparable term that could be
purchased on the date of prepayment and maturing on (or about) the due date of
the principal being prepaid; such amount to be discounted to its present value
using the yield on such Treasury Security as the applicable discount factor
discounted monthly, provided that no premium shall be payable (and no credit or
rebate shall be required) if the yield described in clause (ii) above exceeds
the rate described in clause (i). Each prepayment shall be applied against
installments of principal due hereunder in inverse order of their maturities.
For purposes of the foregoing, the term "prepayment" shall include any payment
following acceleration of this Term Note A.

ADDITIONAL TERMS AND CONDITIONS. This Term Note A is issued pursuant to a Term
Loan and Credit Agreement of even date between the Bank and the Borrower (the
"Agreement"). The Agreement, and any amendments or substitutions, contains
additional terms and conditions, including default and acceleration provisions,
which are incorporated into this Term Note A by reference. Capitalized terms not
expressly defined herein shall have the meanings given them in the Agreement.
The Borrower agrees to pay all costs of collection, including reasonable
attorneys' fees and legal expenses incurred by the Bank if this Term Note A is
not paid as provided above. This Term Note A shall be governed by the
substantive laws of the State of Minnesota.

WAIVER OF PRESENTMENT AND NOTICE OF DISHONOR. Borrower and any other person who
signs, guarantees or endorses this Term Note A, to the extent allowed by law,
hereby waives presentment, demand for payment, notice of dishonor, protest, and
any notice relating to the acceleration of the maturity of this Term Note A.


THE BARBERS, HAIRSTYLING FOR MEN & WOMEN, INC.

BY:   /s/ J. BRENT HANSON
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ITS:  VICE PRESIDENT AND CHIEF FINANCIAL OFFICER