Exhibit 10.13.9

                                 PROMISSORY NOTE


$200,000.00                                                           LEHI, UTAH
                                                                October 24, 2001


         FOR VALUE RECEIVED, The Murdock Group Holding Corporation, a Utah
corporation (hereinafter referred to as "Maker"), promises to pay to the order
of Headwaters Incorporated, a Delaware corporation, or to its successors and
assigns (hereinafter referred to as "Lender") the principal sum of Two Hundred
Thousand Dollars ($200,000.00) together with interest on the unpaid principal
balance outstanding from time to time, all as hereinafter set forth.

         Interest shall begin to accrue as of October 1, 2001 on the principal
amount outstanding from time to time until and after the maturity hereof
(whether by stated maturity, acceleration or otherwise) and shall be payable at
the rate of six percent (6%) per annum simple interest based on a three hundred
sixty (360) day year comprised of twelve (12) thirty (30) day months.

         The entire balance of principal and accrued interest shall be due and
payable in a single balloon payment on or before December 31, 2003.

         Payments of both principal and interest shall be paid in lawful money
of the United States of America in immediately available funds at such place as
Lender may from time to time designate. Except as otherwise provided in this
Note, if any payment of principal and/or interest due hereunder is not paid
within thirty (30) days after its due date ("Payment Default"), Maker shall pay
to Lender on demand a late charge equal to five percent (5%) of the amount of
such payment. Upon Payment Default continuing for ten (10) days after written
notice is given by the Lender hereof to the guarantor to cure the Payment
Default, then the entire unpaid principal sum and accrued interest due shall
become immediately due and payable. To the extent permitted by applicable law,
all amounts which are not paid when due as provided in this Note shall bear
interest at ten percent (10%) per annum, simple interest payable monthly.

         The prompt payment and performance of this Note is guaranteed by Clear
Capital Holding, Inc. and Pelican Point Rock Products, Inc. The guaranty of
Pelican Point Rock Products, Inc. is secured by a Trust Deed of even date from
Pelican Point Rock Products, Inc. as Trustor (the "Security Agreement").

         This Note may be prepaid in whole at any time or in part from time to
time without premium or penalty. Notwithstanding anything herein to the
contrary, the entire balance of principal and accrued interest shall become
immediately due and payable upon the occurrence of any one or more of the
following events:

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         (i)      The sale by Clear Capital Holding, Inc. or Pelican Point Rock
                  Products, Inc. of all or substantially all of the limestone
                  plant and related real property it has acquired from a
                  subsidiary of Larson Holding, Inc.

         (ii)     Any default by Maker ,any guarantor, or pursuant to the
                  Security Agreement after the expiration of any notice periods
                  and opportunities to cure expressly stated therein.

         All payments hereunder shall be applied first to the payment of accrued
and unpaid interest and the balance to the payment of principal.

         Maker agrees to pay to Lender, and reimburse Lender for, any and all
costs and expenses, including reasonable attorneys' fees and court costs, if
any, incurred by Lender in connection with the enforcement or collection hereof,
both before and after the commencement of any action by Lender. Maker and all
guarantors waive presentment, protest and demand, notice of protest, notice of
dishonor and nonpayment of this Note and expressly agree that this Note or any
payment hereunder may be extended from time to time without in any way affecting
the liability of Maker or such guarantor hereunder.

         The rights and remedies of Lender hereunder and under the Agreement
shall be cumulative and concurrent and may be pursued singularly, successively
or together at the sole discretion of Lender, and may be exercised as often as
occasion therefor shall occur, and the failure to exercise any such right or
remedy shall in no event be construed as a waiver or release of the same or any
other right or remedy.

         In the event any provision of this Note (or any part of any provision)
is held by a court of competent jurisdiction to be invalid, illegal, or
unenforceable in any respect, such invalidity, illegality, or unenforceability
shall not affect any other provision (or remaining part of the affected
provision) of this Note; but this Note shall be construed as if such invalid,
illegal, or unenforceable provision (or part thereof) had not been contained in
this Note, but only to the extent it is invalid, illegal, or unenforceable.

         This Note, having been executed and delivered in the State of Utah, as
of the date first written above, is to be governed by, construed under and
enforced in all respects according to laws of the State of Utah, excluding its
principles of conflicts of laws.

         IN WITNESS WHEREOF, the Maker has executed this Promissory Note the
date and year first above written.

                                                     THE MURDOCK GROUP HOLDING
                                                     CORPORATION


                                                     By:/s/K.C. Holmes, CEO

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                                    GUARANTY

         The undersigned Clear Capital Holding, Inc. and Pelican Point Rock
Products, Inc., jointly and severally, hereby guarantee to Headwaters
Incorporated, its successors and assigns, the prompt payment and performance of
the foregoing Promissory Note of The Murdock Group Holding Corporation. This is
a guaranty of performance, and accordingly the Lender need not exhaust its
remedies against Maker or any other guarantor before proceeding on this
Guaranty. The validity of this Guaranty shall not be affected by any extension
or modification of the foregoing Promissory Note. This Guaranty is secured by a
Trust Deed of even date given by Pelican Point Rock Products, Inc. as Trustor.

         Dated this 24 day of October, 2001.

                                               CLEAR CAPITAL HOLDING, INC.


                                               By:/s/Lance Heaton, CEO

                                               PELICAN POINT ROCK PRODUCTS, INC.


                                               By:/s/Lance Heaton, Pres.


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