Exhibit 10.14

                                 PROMISSORY NOTE


This  Promissory  note is  Subject  to a This  Promissory  Note is  Subject to a
Subordination Agreement dated as of Subordination Agreement dated as of July 27,
2001, in favor of First Indiana Bank.  July 27, 2001, in favor of The Huntington
Capital Investment Company.

US $1,500,000.00                                  July 27, 2001
                                                  Elkhart, Indiana

     For value received, the undersigned,  United Acquisition,  Inc., an Indiana
corporation,  ("Borrower")  of 111 Monument  Circle,  Suite 3680,  Indianapolis,
Indiana 46204, promises to pay United Expressline, Inc., an Indiana corporation,
or its  successor in interest  ("Payee"),  in care of Warren E.  Johnson,  10380
James Street,  White Pigeon,  Michigan  49099, or its order the principal sum of
One Million Five Hundred Thousand Dollars ($1,500,000.00),  with interest on the
unpaid  principal  balance from the date of this Promissory Note until paid at a
rate equal to nine percent (9.00%) per annum,  with attorney's fees and costs of
collection,  without relief from valuation and appraisement laws, payable in the
following manner:

          Interest  accrued on the unpaid  balance of this Note shall be paid as
          of the first day of each  calendar  month  following  the date of this
          Note,  with payment in full of the outstanding  principal  balance and
          all accrued but unpaid interest to be made on or before July 27, 2006.

     In the event of a default in the  payment  of any  monthly  installment  of
interest when due under this Note, the interest rate payable  hereunder shall be
increased to thirteen percent  (13.00%) per annum (the "Default  Rate"),  which.
Default  Rate shall  remain in effect  through the date on which such default is
cured by the payment of all accrued interest to the date of payment,  including,
but not limited to, interest accrued at the Default Rate.  Neither Payee nor any
holder of this Note shall have the right to  accelerate  payment of this Note or
any portion  thereof by reason of a default in the payment of any installment of
interest, except in compliance with that certain Subordination Agreement of even
date with First Indiana Bank, a federal savings bank.

     Payment  of this  Note  shall be made at such  place as the  Payee or other
holder hereof shall designate in writing,  Any amount due under this Note may be
prepaid in whole or in part, without penalty, at any time.

     Maker and any endorser(s) jointly and severally waive demand,  presentment,
protest,  notice of protest and notice of  nonpayment  or dishonor of this Note,
and each of them consents to extensions of time of payment of this Note.

     No delay or  omission an the part of the holder  hereof in the  exercise of
any right or remedy shall operate as a waiver thereof,  and no single or partial
exercise by the holder  hereof of any right or remedy  shall  preclude  other or
further exercise thereof or of say other right or remedy.




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     Any or all of the liabilities and obligations,  including this Note, of the
Borrower to the Payee shall at the option of the Payee and  notwithstanding  any
time or credit allowed by any instrument evidencing a liability or obligation be
immediately  due and  payable  upon ten (10)  days  notice  of  demand  upon the
occurrence of any of the following events of default:

               A. Unless  excused by Payee in  writing,  any  representation  or
          warranty  made by  Borrower in any other  Agreement  or  otherwise  in
          writing furnished in connection with this Note which shall be false in
          any material respect;

               B. Unless  excused by Payee in writing,  there is a violation  of
          any one or more Negative or  Affirmative  Covenants  contained in this
          Note and such violation  shall not have been remedied  within ten (10)
          days after  written  notice from Payee to  Borrower.  Borrower  shall.
          notwithstanding  provisions of this paragraph,  comply with any decree
          or order of any Court of competent jurisdiction within any time limits
          set forth in said decree or order;

               C. Borrower makes an assignment for the benefit of creditors of a
          material part of any of Borrower's  property;  Borrower applies to any
          court for the  appointment of a trustee or receiver of any substantial
          part of the assets of Borrower or commences any  proceedings  relating
          to  Borrower  under  any  bankruptcy,   reorganization,   arrangement,
          insolvency, readjustment of debt, dissolution or other liquidation law
          of any  jurisdiction;  or any  application is filed or proceedings are
          commenced as described above against  Borrower and Borrower  indicates
          its  approval,   consent  or  acquiescence  or  an  order  is  entered
          appointing  such  trustee Or  receiver or  adjudication  of Borrower a
          bankrupt or insolvent  or approving or ordering  relief with regard to
          the petition in any such  proceedings:  or any order is entered in any
          proceedings  against  Borrower to create a dissolution  or split-up of
          Borrower and such order remains in effect for thirty (30) days, except
          that  in  the  event  that  the  creditors  of  the  Corporation  file
          involuntary  bankruptcy  proceedings against it, the Borrower may have
          sixty  (60) days  from such  event to  contest,  defend,  or have such
          proceedings dismissed; and

               D. Any material adverse change in the business, property, assets,
          operations, or conditions, financial or otherwise, of the Borrower,

               E. An Event of Default  shall  occur  under the Credit  Agreement
          between the  Borrower  and First  Indiana Bank dated as of the date of
          this Note and such  Event of  Default  shall not be cured or waived by
          First Indiana Bank.

          Affirmative Covenants.

               1. Borrower will supply Payee,  within ninety (90) days after the
          close of each fiscal  Year,  with a copy of its  financial  statements
          certified by an  accountant  acceptable to the Payee 01' Payee's prime
          commercial lending  institution (First Indiana Bank, a federal savings
          bank of  Indianapolis,  Indiana  as of this  date) and with  quarterly
          interim financial  statements  signed by an authorized  Officer of the
          Borrower within thirty (30) days after the close of each quarter year.
          Borrower, in addition hereto, will maintain 2



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          efficient  accounting and cost records  satisfactory  to the Payee and
          agree to  provide  the Payee  access to its books and  records  at all
          reasonable  times and to further supply the Payee with such additional
          accounting records as may be requested by the Payee.

               2. Borrower  will  maintain its existence in good standing  under
          the laws of the State of Indiana and will maintain,  preserve and keep
          in good  repair,  working  order and  condition,  the  assets  and all
          properties used and useful in the business of Borrower,  ordinary wear
          and tear and acts of God accepted.

               3.  Borrower  will duly and timely file all federal,  state,  and
          other  governmental  tax returns  which it is required by law to file,
          and to pay all  taxes and other  sums  which may be due to the  United
          States or any state or other governmental authority.

               4.   Borrower   shall  permit   Payee  by  its  duly   authorized
          representatives  or agents to  inspect  the  collateral  and the other
          property,  books, and records of Borrower and to furnish any financial
          or  other  data  which  Payee  may  reasonably  request,  all  at  any
          reasonable time and as often as Payee may reasonably request.

               5. Borrower  will  promptly give written  notice to Payee of. (i)
          any  material  adverse  change  in  the  business,  property,  assets,
          operations,  or  conditions,  financial or otherwise of the  Borrower;
          (ii) any event of default or event which with notice or the passing of
          time or both would be an event of  default;  or (iii) the  pendency or
          threat of any litigation or any tax deficiency or other  preceding for
          any governmental  body or administrative  agency materially  adversely
          affecting Borrower,

               Negative  Covenant.  Except  with the prior  written  consent  of
          payee,  Borrower  shall  not move  sales,  business,  or assets to any
          affiliate  (affiliate  shall  be  defined  as any  entity  that  has a
          relationship with Borrower through common ownership,  officers,  Board
          of Directors, or special affiliations).  (i.e. Borrower agrees that it
          shall never change the risk profile.)

               The  principal  balance of this Note is subject to  adjustment as
          provided in that  certain  Purchase  Agreement  by and between  United
          Acquisition,  Inc, and United Expressline,  Inc., J.J.M. Incorporated,
          and  the   shareholders  of  United   Expressline,   Inc,  and  J.J.M.
          Incorporated of even date herewith, to which reference is made.

     Executed and delivered at Elkhart, Indiana on this 27th day of July, 2001.

                                      UNITED ACQUISITION, INC.

                                      By:  /s/ Terry Whitesell
                                           President