<PAGE>
 
                                                                    EXHIBIT 10.3

[LOGO OF NATIONSBANK APPEARS HERE]

NationsBank of Texas, N.A.               Continuing and Unconditional Guaranty
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1.  Guaranty.  For Value Received, and to induce NationsBank of Texas, N.A.

       Dallas Commercial Banking
       --------------------------
           Banking Center
 
901 Main Street, 7th Floor   ,         Dallas,      ,      Texas   ,     75202
-----------------------------  ---------------------  --------------   ---------
Bank Street Address                     City               State        Zip Code
 
(Attn: Mr. Russell P. Hartsfield ) (herein called "Bank"), to make loans or 
       --------------------------
advances or to extend credit or other financial accommodations or benefits, with
or without security, to or for the account of  
AmeriTruck Distribution Corporation
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                 Borrower's Name
 
301 Commerce Street, Suite 1101, Fort Worth,    Texas     ,  76102
-------------------------------  ----------  -------------  --------
Street Address                    City        State          Zip Code

(herein called "Borrower"), the undersigned (herein called "Guarantor"), if more
than one, then each of them jointly and severally, hereby becomes surety for and
irrevocably and unconditionally guarantees to Bank the full and prompt payment
when due, whether by acceleration or otherwise, of any and all Liabilities (as
hereinafter defined) of Borrower to Bank, together with reasonable attorney's
fees, costs and expenses incurred by Bank in enforcing any and all of such
indebtedness.  This Guaranty is continuing and unlimited as to the amount.

Guarantor further unconditionally guarantees the faithful, prompt and complete
compliance by Borrower with all terms, conditions, covenants, agreements and
undertakings of Borrower (herein collectively referred to as the "Obligations")
under all notes and other documents evidencing the Liabilities, as hereinafter
defined, and under all security agreements and other agreements, documents and
instruments executed in connection with the Liabilities or related thereto
including, without limitation, all obligations of Borrower pursuant to that
certain Loan Agreement dated February 1, 1996, executed by Bank and Borrower
(the "Loan Agreement") (all such security agreements and other documents
securing payment of the Liabilities and all notes and other agreements,
documents, and instruments evidencing or relating to the Liabilities and
Obligations being herein collectively called the "Loan Documents").  The
undertakings of Guarantor hereunder are independent of the Liabilities and
Obligations of the Borrower and a separate action or actions for payment,
damages or performance may be brought or prosecuted against Guarantor, whether
or not an action is brought against the Borrower or to realize upon the security
for the Liabilities and/or Obligations and whether or not Borrower is joined in
any such action or actions, and whether or not notice is given or demand is made
upon the Borrower.

Bank shall not be required to proceed first against Borrower, or any other
person, firm or corporation, whether primarily or secondarily liable, or against
any Collateral held by it, before resorting to Guarantor for payment, and
Guarantor shall not be entitled to assert as a defense to the enforceability of
the Guaranty any defense of Borrower with respect to any Liabilities or
Obligations.

2.  Paragraph Headings and Governing Law.  Guarantor agrees that the paragraph
headings in this Guaranty are for convenience only and that they will not limit
any of the provisions of this Guaranty.  Guarantor further agrees that this
Guaranty shall be governed by and construed in accordance with the laws of the
State of Texas and applicable United States federal law.  Guarantor further
agrees that this Guaranty shall be deemed to have been made in the State of
Texas at Bank's address indicated herein, and shall be governed by, and
construed in accordance with, the laws of the State of Texas, or the United
States courts located within the State of Texas, and is performable in Dallas,
Dallas County, Texas.

3.  Definitions.

     A.  "Liability" or "Liabilities" as used herein shall include without
limitation, all liabilities, overdrafts, indebtedness, and obligations of
Borrower to Bank, whether direct or indirect, absolute or contingent, joint or
several, secured or unsecured, due or not due, contractual or tortious,
liquidated or unliquidated, arising by operation of law or otherwise, now or
hereafter existing, or held or to be held by the Bank for its own account or as
agent for another or others, whether created directly, indirectly, or acquired
by assignment or otherwise, including but not limited to all extensions or
renewals thereof, and all sums payable under or by virtue thereof, including
without limitation, all amounts of principal and interest, all expenses
(including attorney's fees and cost of collection as specified) incurred in the
collection thereof or the enforcement of rights thereunder or in enforcing this
Guaranty (including without limitation, any liability arising from failure to
comply with state or federal laws, rules and regulations concerning the control
of hazardous wastes or substances), whether arising in the ordinary course of
business or otherwise, and whether held or to be held by Bank for its own
account or as agent for another or others.  If Borrower is a partnership,
corporation or other entity the term "Liability" or "Liabilities" as used herein
shall include all Liabilities to Bank of any successor entity or entities.

     B.  "Guarantor" as used herein shall mean Guarantor or any one or more of
them.  Anyone executing this Guaranty shall be bound by the terms hereof without
regard to execution by anyone else.  This Guaranty is binding upon Guarantor,
his, their or its executors, administrators, successors or assigns, and shall
inure to the benefit of Bank, its successors, endorsees or assigns.

"Guarantor" as used in this instrument shall be construed as singular or plural
to correspond with the number of persons executing this instrument as Guarantor.
The pronouns used in this Agreement are in the masculine gender but shall be
construed as female or neuter as an occasion may require.

     C.  "Collateral" means the property subject to a security interest, and
includes accounts and chattel paper which have been sold, including but not
limited to all additions and accessions thereto, all replacements or substitutes
therefor, and all immediate and remote proceeds of the sale or other disposition
thereof.

4.  Waivers by Guarantor.  Guarantor waives notice of acceptance of this
Guaranty, notice of any Liability or Obligations to which it may apply, and
waives presentment, demand for payment, protest, notice of dishonor or
nonpayment of any Liabilities, waiver of notice of intent to accelerate, waiver
of notice of acceleration and notice of any suit or the taking of other action
by Bank against Borrower, Guarantor or any other person and any other notice to
any party liable thereon (including Guarantor) and any applicable statute of
limitations.
<PAGE>
 
Until payment in full of the Liabilities and the Obligations, each Guarantor
also hereby waives any claim, right or remedy which such Guarantor may now have
or hereafter acquire against the Borrower that arises hereunder and/or from the
performance by any Guarantor hereunder including, without limitation, any claim,
remedy or right of subrogation, reimbursement, exoneration, contribution,
indemnification, or participation in any claim, right or remedy of the Bank
against the Borrower or any security which the Bank now has or hereafter
acquires, whether or not such claim, right or remedy arises in equity, under
contract, by statute, under common law or otherwise.

Guarantor hereby agrees to waive the benefits of any provision of law requiring
that the Bank exhaust any right or remedy, or take any action, against the
Borrower, any Guarantor, any other person and/or property including but not
limited to the provisions of the Texas Civil Practice and Remedies Code (S)
17.001, Texas Rules of Civil Procedure Rule 31 and the Texas Business and
Commerce Code (S) 34.03, as amended, or otherwise.

Bank may at any time and from time to time (whether before or after revocation
or termination of this Guaranty) without notice to Guarantor (except as required
by law), without incurring responsibility to Guarantor, without impairing,
releasing, or otherwise affecting the obligations of Guarantor, in whole or in
part, and without the endorsement or execution by Guarantor of any additional
consent, waiver or guaranty:  (a) change the manner, place or terms of payment;
(b) change or extend the time of or renew or alter, any Liability or Obligation
or installment thereof, or any security therefor; (c) loan additional monies or
extend additional credit to Borrower, with or without security, thereby creating
new Liabilities or Obligations the payment or performance of which shall be
guaranteed hereunder, and the Guaranty herein made shall apply to the
Liabilities and Obligations as so changed, extended, surrendered, realized upon
or otherwise altered; (d) sell, exchange, release, surrender, realize upon or
otherwise deal with in any manner and in any order any property at any time
pledged or mortgaged to secure the Liabilities or Obligations and any offset
there against; (e) exercise or refrain from exercising any rights against
Borrower or others (including Guarantor) or act or refrain from acting in any
other manner; (f) settle or compromise any Liability or Obligation or any
security therefor and subordinate the payment of all or any part thereof to the
payment of any Liability or Obligation of any other parties primarily or
secondarily liable on any of the Liabilities or Obligations; (g) release or
compromise any liability of Guarantor hereunder or any Liability or Obligation
of any other parties primarily or secondarily liable on any of the Liabilities
or Obligations; or (h) apply any sums from any sources to any Liability without
regard to any Liabilities remaining unpaid.

5.  Subordination.  Upon demand of Bank, Guarantor agrees that it will not
demand, take or receive from the Borrower, by set-off or in any other manner,
payment of any liabilities and/or obligations, now and at any time or times
hereafter owing by the Borrower to Guarantor unless and until all the
Liabilities shall have been fully paid, and any security interest, liens or
encumbrances which Guarantor now has and from time to time hereafter may have
upon any of the assets of the Borrower shall be made subordinate, junior and
inferior and postponed in priority, operation and effect to any security
interest of Bank in such assets.

6.  Waivers by Bank.  No delay on the part of Bank in exercising any of its
options, powers or rights, or any partial or single exercise thereof, shall
constitute a waiver thereof.  No waiver of any of its rights hereunder, and no
modification or amendment of this Guaranty, shall be deemed to be made by Bank
unless the same shall be in writing, duly signed on behalf of Bank; and each
such waiver, if any, shall apply only with respect to the specific instance
involved, and shall in no way impair the rights of Bank or the obligations of
Guarantor to Bank in any other respect at any other time.

7.  Termination.  This Guaranty shall continue until written notice of
revocation signed by each respective Guarantor or until written notice of the
death of such Guarantor shall actually have been received by Bank,
notwithstanding change in name, location, composition or structure of, or the
dissolution, termination or increase, decrease or change in personnel, owners or
partners of Borrower, or any one or more of Guarantors, provided, however, that
no notice of revocation or termination hereof shall affect in any manner rights
arising under this Guaranty with respect to Liabilities or Obligations that
shall have been created, contracted, assumed or incurred prior to receipt of
such written notice pursuant to any agreement entered into by Bank prior to
receipt of such notice, and the sole effect of such notice of revocation or
termination hereof shall be to exclude from this Guaranty, Liabilities or
Obligations thereafter arising that are unconnected with Liabilities or
Obligations theretofore arising or transactions entered into theretofore.

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

In the event Bank is required to relinquish or return the payments, the
Collateral or the proceeds thereof, in whole or in part, which had been
previously applied to or retained for application against any Liability, by
reason of a proceeding arising under the Bankruptcy Code, or for any other
reason, this Guaranty shall automatically continue to be effective
notwithstanding any previous cancellation or release effected by the Bank.

9.  Obligations of Guarantor.  Upon the occurrence of an event of default,
Guarantor shall upon demand by Bank, promptly and with due diligence pay all
Liabilities and perform and satisfy for the benefit of Bank all Obligations.

Guarantor will not become a party to a merger or consolidation with any other
company, except as provided in the Loan Agreement.  Guarantor further agrees
that this Guaranty Agreement shall be binding, legal and enforceable against
Guarantor in the event Borrower changes its name, status or type of entity.

10.  Financial and Other Information.  In entering into this Guaranty, the
Guarantor has not relied upon any representation of the Bank as to the financial
condition, operation or creditworthiness of the Borrower.  The Guarantor further
agrees that the Bank shall have no duty or responsibility now or hereafter to
make any investigation or appraisal of the Borrower on behalf of the Guarantor
or to provide the Guarantor with any credit or other information which may come
to its attention now or hereafter.

11.  Notices.  All notices required or permitted to be given to Bank herein
shall be sent by registered or certified mail, return receipt requested to the
Bank at the address shown in the preamble to this agreement.  Guarantor agrees
that all notices required or permitted to be given to Guarantor shall be sent by
first class mail, postage prepaid United States mail.  The parties agree that
the notice shall be considered received by Guarantor five (5) days after being
placed in the United States mail.

12.  Events of Default.  The following are events of default hereunder:  (a) an
Event of Default as defined in the Loan Agreement shall occur and be continuing;
or (b) termination of Guaranty by Guarantor.

13.  Remedies.  Upon the occurrence of any event of default hereunder, Bank
shall have all of the remedies of a creditor and, to the extent applicable, of a
secured party, under all applicable law, and without limiting the generality of
the foregoing, Bank may, at its option and without notice of demand:  (a)
declare any Liability accelerated and due and payable at once; and (b) take
possession of any Collateral wherever located, and sell, resell, assign,
transfer and deliver all or any part of said

<PAGE>
 
Collateral of Borrower or Guarantor at any public or private sale or otherwise
dispose of any or all of the Collateral in its then condition, for cash or on
credit or for future delivery, and in connection therewith Bank may impose
reasonable conditions upon any such sale.  Bank, unless prohibited by law the
provisions of which cannot be waived, may purchase all or any part of said
Collateral to be sold, free from and discharged of all trusts, claims, rights or
redemption and equities of the Borrower or Guarantor whatsoever; Guarantor
acknowledges and agrees that the sale of any Collateral through any nationally
recognized broker-dealer, investment banker or any other method common in the
securities industry shall be deemed a commercially reasonable sale under the
Uniform Commercial Code or any other equivalent statute or federal law, and
expressly waives notice thereof except as provided herein; and (c) set-off
against any or all liabilities of Guarantor all money owed by Bank in any
capacity to Guarantor whether or not due, and also set-off against all other
Liabilities of Borrower or Guarantor to Bank all money owed by Bank in any
capacity to any Borrower or Guarantor, and if exercised by Bank, Bank shall be
deemed to have exercised such right of set-off and to have made a charge against
any such money immediately upon the occurrence of such default although made or
entered on the books subsequent thereto.

14.  Attorney Fees, Cost and Expenses.  Guarantor shall pay all costs of
collection and reasonable attorney's fees, including reasonable attorney's fees
in connection with any suit, mediation or arbitration proceeding, out of court
payment agreement, trial, appeal, bankruptcy proceedings or otherwise, incurred
or paid by Bank in enforcing the payment of any Liability or enforcing or
preserving any right or interest of Bank hereunder, including the collection,
preservation, sale or delivery of any Collateral from time to time pledged to
Bank, and after deducting such fees, costs and expenses from the proceeds of
sale or collection, Bank may apply any residue to pay any of the Liabilities and
Guarantor shall continue to be liable for any deficiency with interest at the
rate specified in any instrument evidencing the Liability or, at the Bank's
option, equal to the highest lawful rate, which shall remain a liability.

15.  Preservation of Property.  Bank shall not be bound to take any steps
necessary to preserve any rights in any of the property of Guarantor pledged to
Bank to secure Guarantor's obligations against prior parties who may be liable
in connection therewith, and Guarantor hereby agrees to take any such steps.
Bank, nevertheless, at any time, may (a) take any action it deems appropriate
for the care or preservation of such property or of any rights of Guarantor or
Bank therein, (b) demand, sue for, collect or receive any money or property at
any time due, payable or receivable on account of or in exchange for any
property of Guarantor, (c) compromise and settle with any person liable on such
property, or (d) extend the time of payment or otherwise change the terms of the
Loan Documents as to any party liable on the Loan Documents, all without notice
to, without incurring responsibility to, and without affecting any of the
obligations or liabilities of Guarantor.

16.  Collateral.  Bank shall have a properly perfected security interest in all
of Guarantor's funds on deposit with Bank to secure the balance of any
liabilities and/or obligations that Guarantor may now or in the future owe the
Bank.  Bank is granted a contractual right of set-off and will not be liable for
dishonoring checks or withdrawals where the exercise of Bank's contractual right
of set-off or security interest results in insufficient funds in Guarantor's
account.  As authorized by law, Guarantor grants to Bank this contractual right
of set-off and security interest in all property of Guarantor now or at anytime
hereafter in the possession of Bank, including but not limited to any joint
account, special account, account by the entireties, tenancy in common, and all
dividends and distributions now or hereafter in the possession or control of
Bank.

17.  Limitation.  It is the intention of Guarantor and the Bank that the amount
of the Liabilities and Obligations guaranteed by Guarantor by this Guaranty
shall be in, but not in excess of, the maximum amount permitted by fraudulent
conveyance, fraudulent transfer or similar laws applicable as to Guarantor.
Accordingly, notwithstanding anything to the contrary contained in this Guaranty
or any other agreement or instrument executed in connection with the payment of
any of the Limitations and the Obligations, the amount of the Liabilities and
the Obligations guaranteed by Guarantor by this Guaranty shall be limited to
that amount which after giving effect thereto would not (i) render Guarantor
insolvent, (ii) result in the fair saleable value of the assets of Guarantor
being less than the amount required to pay its debts and other liabilities
(including contingent liabilities) as they mature, or (iii) leave Guarantor with
unreasonably small capital to carry out its business as now conducted and as
proposed to be conducted, including its capital needs, as such concepts
described in (i), (ii) and (iii) herein are determined under applicable law, if
the obligations of Guarantor hereunder would otherwise be set aside, terminated,
annulled or avoided for such reason by a court of competent jurisdiction in a
proceeding actually pending before such court.  For purposes of this Guaranty,
the term "applicable law" means as to Guarantor each statute, law, ordinance,
regulation, order, judgment, injunction or decree of the United States or any
state or commonwealth, any municipality, any foreign country, or any territory,
possession or tribunal applicable to Guarantor.

18.  ARBITRATION.  ANY CONTROVERSY OR CLAIM BETWEEN OR AMONG THE PARTIES HERETO
INCLUDING BUT NOT LIMITED TO THOSE ARISING OUT OF OR RELATING TO THIS AGREEMENT
OR ANY RELATED AGREEMENTS OR INSTRUMENTS, INCLUDING ANY CLAIM BASED ON OR
ARISING FROM AN ALLEGED TORT, SHALL BE DETERMINED BY BINDING ARBITRATION IN
ACCORDANCE WITH THE FEDERAL ARBITRATION ACT (OR IF NOT APPLICABLE, THE
APPLICABLE STATE LAW), THE RULES OF PRACTICE AND PROCEDURE FOR THE ARBITRATION
OF COMMERCIAL DISPUTES OF JUDICIAL ARBITRATION AND MEDIATION SERVICES, INC.
(J.A.M.S.), AND THE "SPECIAL RULES" SET FORTH BELOW.  IN THE EVENT OF ANY
INCONSISTENCY, THE SPECIAL RULES SHALL CONTROL.  JUDGMENT UPON ANY ARBITRATION
AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION.  ANY PARTY TO THIS
AGREEMENT MAY BRING AN ACTION, INCLUDING A SUMMARY OR EXPEDITED PROCEEDING, TO
COMPEL ARBITRATION OF ANY CONTROVERSY OR CLAIM TO WHICH THIS AGREEMENT APPLIES
IN ANY COURT HAVING JURISDICTION OVER SUCH ACTION.

     A.  SPECIAL RULES.  THE ARBITRATION SHALL BE CONDUCTED IN THE CITY OF THE
         -------------                                                        
BORROWER'S DOMICILE AT THE TIME OF THIS AGREEMENT'S EXECUTION AND ADMINISTERED
BY J.A.M.S. WHO WILL APPOINT AN ARBITRATOR; IF J.A.M.S. IS UNABLE OR LEGALLY
PRECLUDED FROM ADMINISTERING THE ARBITRATION, THEN THE AMERICAN ARBITRATION
ASSOCIATION WILL SERVE.  ALL ARBITRATION HEARINGS WILL BE COMMENCED WITHIN 90
DAYS OF THE DEMAND FOR ARBITRATION; FURTHER, THE ARBITRATOR SHALL ONLY, UPON A
SHOWING OF CAUSE, BE PERMITTED TO EXTEND THE COMMENCEMENT OF SUCH HEARING FOR UP
TO AN ADDITIONAL 60 DAYS.

     B.  RESERVATION OF RIGHTS. NOTHING IN THIS AGREEMENT SHALL BE DEEMED TO (I)
         ---------------------
LIMIT THE APPLICABILITY OF ANY OTHERWISE APPLICABLE STATUTES OF LIMITATION OR
REPOSE AND ANY WAIVERS CONTAINED IN THIS AGREEMENT; OR (II) BE A WAIVER BY THE
BANK OF THE PROTECTION AFFORDED TO IT BY 12 U.S.C. SEC. 91 OR ANY SUBSTANTIALLY
EQUIVALENT STATE LAW; OR (III) LIMIT THE RIGHT OF THE BANK HERETO (A) TO
EXERCISE SELF HELP REMEDIES SUCH AS (BUT NOT LIMITED TO) SET-OFF, OR (B) TO
FORECLOSE AGAINST ANY REAL OR PERSONAL PROPERTY COLLATERAL, OR (C) TO OBTAIN
FROM A COURT PROVISIONAL OR ANCILLARY REMEDIES SUCH AS (BUT NOT LIMITED TO)
INJUNCTIVE RELIEF,
<PAGE>
 
WRIT OF POSSESSION OR THE APPOINTMENT OF A RECEIVER.  THE BANK MAY EXERCISE SUCH
SELF HELP RIGHTS, FORECLOSE UPON SUCH PROPERTY, OR OBTAIN SUCH PROVISIONAL OR
ANCILLARY REMEDIES BEFORE, DURING OR AFTER THE PENDENCY OF ANY ARBITRATION
PROCEEDING BROUGHT PURSUANT TO THIS AGREEMENT.  AT BANK'S OPTION, FORECLOSURE
UNDER A DEED OF TRUST OR MORTGAGE MAY BE ACCOMPLISHED BY ANY OF THE FOLLOWING:
THE EXERCISE OF A POWER OF SALE UNDER THE DEED OF TRUST OR MORTGAGE, OR BY
JUDICIAL SALE UNDER THE DEED OF TRUST OR MORTGAGE, OR BY JUDICIAL FORECLOSURE.
NEITHER THIS EXERCISE OF SELF HELP REMEDIES NOR THE INSTITUTION OR MAINTENANCE
OF AN ACTION FOR FORECLOSURE OR PROVISIONAL OR ANCILLARY REMEDIES SHALL
CONSTITUTE A WAIVER OF THE RIGHT OF ANY PARTY, INCLUDING THE CLAIMANT IN ANY
SUCH ACTION, TO ARBITRATE THE MERITS OF THE CONTROVERSY OR CLAIM OCCASIONING
RESORT TO SUCH REMEDIES.

19.  NOTICE OF FINAL AGREEMENT.  THIS WRITTEN CONTINUING AND UNCONDITIONAL
GUARANTY REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE
PARTIES.


Dated: September 16, 1996


NationsBank of Texas, N.A.
 
 
By: /s/ RUSSELL P. HARTSFIELD
    -------------------------------------------------------
    Russell P. Hartsfield, Senior Vice President
 

Witnessed by:


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-----------------------------------------------------------
Print Name (And Title, if Applicable)


Corporate Guarantor or Partnership:
Attest (If Applicable)

/s/  J. MICHAEL MAY, Secretary
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[Corporate Seal]


Guarantor:


-----------------------------------------------------------


-----------------------------------------------------------
Print Individual's Name

KTL, INC., a Florida corporation.
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Name of Corporation, Partnership, etc.

By: /s/ KENNETH H. EVANS, JR.
    -------------------------------------------------------
    Kenneth H. Evans, Jr., Treasurer



[Corporate Seal]

<PAGE>
 
Individual Acknowledgment


State of _____________  )
                        )
County of ____________  )


This instrument was acknowledged before me on _______________, 19______, 
by _______________________________________  
                  Guarantor
 
                                            ____________________________________
(Seal)                                      Notary Public
                                            in and for the State of ____________

____________________________________        ____________________________________
My Commission Expires                       Print Name of Notary



Corporate Acknowledgement


State of Texas
 
County of Tarrant


This instrument was acknowledged before me on September 16, 1996, by Kenneth
H. Evans, Jr., KTL, INC., a Florida                 corporation, on behalf
                            -----------------------
of said corporation.


                                            /s/ MINDY DAVIS    
                                            ____________________________________
(Seal)                                      Notary Public
                                            in and for the State of Texas
                                                                    ------------

    4-21-99                                  Mindy Davis
____________________________________        ____________________________________
My Commission Expires                       Print Name of Notary