EXHIBIT 10.17
                      [LETTERHEAD OF IMPERIAL BANK ARIZONA]
                                      NOTE

$ 250,000.00               Phoenix Arizona,                    November 17, 1997

On November 16, 1998,  and as  hereinafter  provided,  for value  received.  the
undersigned promises to pay to IMPERIAL BANK ARIZONA ("Bank") an Arizona banking
corporation,  or order, at its Phoenix Regional  office,  the principal sum of $
250,000.00  MAXIMUM or such sums up to the maximum if so stated, as the Bank may
now or hereafter  advance to or for the benefit of the undersigned in accordance
with the terms hereof, together with interest from date of  disbursement or N/A,
whichever  is later,  on the unpaid  principal  balance [ ] at the rate of % per
year [X] at the rate of 0.000% per year in  excess of the rate of interest which
Bank has  announced as its prime  lending rate (the "Prime  Rate").  which shall
vary concurrently with any change in such Prime Rate, or $ 250.00,  whichever is
greater. Interest shall be computed at the above rate on the basis of the actual
number of days during which the  principal  balance is  outstanding,  divided by
360, which shall, for interest computation purposes, be considered one year.

Interest  shall be payable [X] monthly [ ] quarterly [ ] included with principal
[ ] in addition to principal [ ], beginning  January 1, 1998, and if not so paid
shall become a part of the principal. All payments shall be applied first to any
late  charges owing, then to  interest and the remainder,  If any, to principal.
[ ] (If checked),  Principal shall be payable in installments of $     ,or more,
each installment on the       day of each           ,  beginning               .
Advances  not to exceed  any unpaid  balance  owing at any one time equal to the
maximum amount specified above, may be made at the option of Bank.

Any partial prepayment shall be applied to the installments,  if any, in inverse
order of maturity Should default be made in the payment of principal or Interest
when due, or in the performance or observance,  when due. of any item,  covenant
or  condition  of any deed of  trust,  security  agreement  or  other  agreement
(including  amendments  or  extensions  thereof)  securing or pertaining to this
note,  at the option of the  holder  hereof and  without  notice or demand,  the
entire balance of principal and accrued interest then remaining unpaid shall (a)
become immediately due and payable, and (b) thereafter bear interest, until paid
in full, at the increased rate of 5% per year In excess of the rate provided for
above, as it may vary from time to time.

Defaults  shall  include,  but not be limited to. the failure of the maker(s) to
pay  principal  or interest  when due;  the filing as to each  person  obligated
hereon,  whether as maker,  co-maker,  endorser or  guarantor  (individually  or
collectively  referred  to as  the  "Obligor")  of a  voluntary  or  involuntary
petition under the provisions of the Federal Bankruptcy Act; the issuance of any
attachment  or  execution  against  any asset of any  Obligor;  the death of any
Obligor or any  deterioration  of the  financial  condition of any Obligor which
results in the holder hereof considering itself, in good faith, insecure.

If any installment  payment,  interest  payment  principal  payment or principal
balance payment due hereunder is delinquent ten or more days,  Obligor agrees to
pay Bank a late charge in the amount of 5% of the payment so due and unpaid,  in
addition to the payment; but nothing in this paragraph is to be construed as any
obligation  on the part of the  holder  of this note to  accept  payment  of any
payment past due or less than the total unpaid principal balance after maturity.

If this note is not paid when due,  each  Obligor  promises to pay all costs and
expenses of  collection  and  reasonable  attorneys  fees incurred by the holder
hereof on account of such  collection,  plus interest at the rate  applicable to
principal,  whether or not suit is filed  hereon.  Each Obligor shall be jointly
and  severally  liable  hereon  and  consents  to  renewals,   replacements  and
extensions of time for payment hereof,  before, at, or after maturity;  consents
to the acceptance, release or substitution of security for this note; and waives
demand and  protest  and the right to assert any  statute  of  limitations.  Any
married  person who signs this note  agrees  that  recourse  may be had  against
separate  property for any obligations  hereunder.  The  indebtedness  evidenced
hereby  shall be payable in lawful  money of the  United  States.  In any action
brought under or arising out of this note, each Obligor,  including successor(s)
or  assign(s)  hereby  consents  to  the  application  of  Arizona  law,  to the
jurisdiction of any competent court within the State of Arizona,  and to service
of process by any means authorized by Arizona law.

No single or  partial  exercise  of any  power  hereunder,  or under any deed of
trust,  security  agreement or other  agreement  in  connection  herewith  shall
preclude  other or further  exercises  thereof or to  exercise of any other such
power.  The holder  hereof shall at all times have the right to proceed  against
any  portion of the  security  for this note in such order and in such manner as
such holder may consider  appropriate,  without waiving any rights, with respect
to any of the  security.  Any delay or omission on the part of the holder hereof
in  exercising  any  right  hereunder,  or  under  any deed of  trust,  security
agreement or other agreement, shall not operate as a waiver of such right, or of
any other  right,  under this note or any deed of trust,  security  agreement or
other agreement in connection herewith

Default by Borrower under any obligation to Bank shall be a default hereunder.

CAPITAL TITLE AGENCY.  INC.

By: /s/ Donald R. Head
   -----------------------------------------
   Donald R. Head, Chairman of the Board/CEO