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                                                                  EXHIBIT 10.26

                     PRE-SOLD FLOORPLAN FINANCING AGREEMENT

     THIS AGREEMENT, dated the 10th day of February, 1994, is by and between
Bellcrest Homes, Inc. (hereinafter referred to as "Manufacturer") and Green Tree
Financial Corporation and its subsidiaries (hereinafter referred to as "Green
Tree").

     WHEREAS, Manufacturer is engaged in the manufacturing of manufactured homes
and modular homes which are sold to a network of Manufacturer's dealers
throughout the United States and which manufactured homes and modular homes are
resold to retail customers by dealers; and

     WHEREAS, Manufacturer recognizes and acknowledges the value to Manufacturer
of its dealers obtaining an additional source of floorplan financing for the
purchase of Manufacturer's products; and

     WHEREAS, Green Tree is in the business of providing floorplan financing for
manufactured home and modular home dealers including the taking and processing
of credit applications, credit qualification procedures and the supervision of
the extension of floorplan credit in the manufactured housing industry;

     NOW, THEREFORE, Manufacturer and Green Tree hereby agree as follows:

     1. DEFINITIONS. As used herein:

          1.1  "Commitment" shall mean any agreement, oral or written, made by
               Green Tree's authorized employees to Manufacturer's employees to
               reserve and hold for Manufacturer's specific account, for a
               specified period of time, a stated amount of funds from the
               Dealer's floorplan line to be paid for a given Pre-Sold Unit upon
               presentation of Manufacturer's Statement of Origin ("MSO") and
               original invoice.

          1.2  "Dealer(s)" shall mean manufactured home and modular home dealers
               who are customers of Manufacturer to whom funds are loaned by
               Green Tree under a Floorplan Financing and Security Agreement
               between dealer and Green Tree.

          1.3  "Floorplan Finance Transaction" shall mean the debt of any Dealer
               to Green Tree incurred for the financing of the purchase of a
               Pre-Sold Unit from Manufacturer, together with any security
               instrument in the form of a security agreement, chattel mortgage,
               trust receipt,


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               conditional sale agreement, or other similar document securing
               such debt.

          1.4  "Pre-Sold Unit(s)" shall mean only those new manufactured homes
               or modular homes (including the contents of said homes)
               manufactured by Manufacturer and sold to Dealer for which Green
               Tree has received (from Dealer) and approved an application for
               credit submitted by a retail customer of Dealer, and said
               customer has ordered a particular manufactured home or modular
               home for which Dealer seeks floorplan financing.

          1.5  "Repurchase Price" of a Pre-Sold Unit, unless defined differently
               in subsequent amendments to this Agreement, shall mean the lesser
               of: (a) the unpaid principal balance owned by Dealer to Green
               Tree, or (b) the amount paid by Green Tree to Manufacturer on
               behalf of Dealer, less curtailments due to Green Tree under
               paragraph 6.1 below (unless such curtailments have been waived by
               Manufacturer in writing).

     2. SCOPE OF AGREEMENT.

          Any Commitment by Green Tree to finance Dealer's floorplan under this
          Agreement shall be strictly limited to Pre-Sold Units.

     3. COMMITMENTS.

          Manufacturer shall secure from Green Tree a Commitment for each
          Pre-Sold Unit to be financed by Green Tree before it is shipped. Green
          Tree may, but shall be under no obligation to, finance any Pre-Sold
          Unit shipped to Dealer without Manufacturer first obtaining such
          Commitment. Manufacturer shall not seek a Commitment for, nor deliver
          to Dealer, any Pre-Sold Unit for which it does not have a bona fide
          order from a representative of Dealer. Manufacturer shall not forward
          to Green Tree its invoice and MSO for payment unless it has received a
          Commitment from Green Tree and until the Pre-Sold Unit has been
          shipped.

     4. PAYMENT OF INVOICE PRICE.

          Payments for Pre-Sold Units financed by Green Tree for Dealer under
          the terms of this Agreement shall be mailed by Green Tree on the tenth
          (10th) calendar day after shipment date of Pre-Sold Unit as indicated
          on Manufacturer's invoice. Green Tree



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          must have received and approved Manufacturer's invoice and MSO before
          payment shall be due.

     5. QUALIFICATION OF DEALERS BY GREEN TREE.

          5.1  Dealer shall make application to Green Tree by executing a
               Floorplan Financing and Security Agreement and necessary
               financing statements.

          5.2  Green Tree shall have complete and sole discretion in its
               decisions as between itself and Dealer to either extend or
               terminate floorplan financing.

          5.3  In the event that Manufacturer requests that Green Tree accept a
               Dealer that it has previously rejected, Manufacturer (by separate
               letter agreement) shall provide Green Tree with an unlimited
               guaranty of that Dealer's obligations to Green Tree.

     6. TERMS AND COSTS TO DEALER OF AGREEMENT FOR FLOORPLAN FINANCING.

          6.1  Curtailments are a part of this Agreement and Green Tree shall
               make a reasonable effort to collect same from Dealer in
               accordance with the following payment schedule:

<TABLE>
<CAPTION>
               Billing Period (Month)                      % of Original Invoice
               ---------------------                       Price per month
                                                           ---------------------
                       <S>                                 <C>
                       1-3                                         0%
                       4-6                                         3%
                       7-9                                         5%
                       10-11                                       10%
                       12                                  PAID IN FULL
</TABLE>

               Green Tree shall be allowed an administrative processing period
               of thirty (30) days beyond the periods set forth above (for
               mailing of billing statements, collecting funds from Dealer and
               processing thereof).

               (a)  A "Billing Period" shall mean any calendar month.

               (b)  "Paid in Full" shall mean payment by Dealer to Green Tree of
                    the entire amount remaining unpaid on any Pre-Sold Unit so
                    that 100% of the invoice price has been paid.

               (c)  Curtailments shall be billed by Green Tree to Dealer in
                    accordance with the



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                    foregoing payment schedule on a per Pre-Sold Unit basis
                    commencing on the first day of the month following the
                    receipt by Green Tree of the original invoice and MSO.

               (d)  The foregoing payment schedule shall prevail until modified
                    by Green Tree (to allow for seasonal sales fluctuations or
                    special programs) with Manufacturer's prior written
                    authorization.

          6.2  Interest and a documentation, handling and inspection ("DHI") fee
               per Pre-Sold Unit shall be paid monthly by Dealer.

     7. REPURCHASE UPON DEFAULT.

          Green Tree shall exercise due diligence in attempting to collect all
          amounts due it from Dealers when and as due for all Pre-Sold Units
          sold by Manufacturer. In the event Dealer is unable or unwilling to
          pay any amount due Green Tree on a given Floorplan Finance
          Transaction, such action shall constitute prima facie default on all
          Floorplan Finance Transactions between Green Tree and Dealer. If Green
          Tree, as a consequence of such default, lawfully repossess Pre-Sold
          Units financed by it for the Dealer, Manufacturer will, upon written
          demand from Green Tree, repurchase any Pre-Sold Unit covered by this
          Agreement when surrendered to Manufacturer by Green Tree at any point
          within the continental United States, and will pay Green Tree the
          Repurchase Price therefor under the following conditions:

          7.1  Manufacturer agrees to take possession of any Pre-Sold Unit
               covered by this Agreement within fourteen (14) days after receipt
               of Green Tree's written repurchase demand and shall pay the
               Repurchase Price to Green Tree on or before the twentieth (20th)
               calendar day after receipt of the written demand to repurchase.
               If payment is not so made, Manufacturer shall pay all interest
               and DHI fees accruing after the twentieth (20th) day at Green
               Tree's standard floorplan rate. Green Tree's obligation to
               collect curtailments from Dealer shall be fully satisfied at the
               time Green Tree demands repurchase hereunder.

          7.2  Responsibility for the safety of the Pre-Sold Unit and it
               contents shall remain with Green Tree until physical possession
               of the Pre-Sold Unit is delivered to Manufacturer or a maximum



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               of fourteen (14) days after repurchase notification, whichever
               occurs first.

          7.3  Subject to limitations in paragraph 7.1 above, Manufacturer may
               inspect Pre-Sold Units prior to repurchase. (Reasonable wear
               incidental to displaying the Pre-Sold Unit for sale shall not
               affect its condition). Green Tree may participate in that
               inspection if desired.

          7.4  The intent of the inspection referred to in paragraph 7.3 above
               shall be to determine any damage to the Pre-Sold Unit or
               shortages of any standard or optional items supplied by
               Manufacturer. If any standard item(s) supplied by Manufacturer
               with such Pre-Sold Unit or any specifically identified optional
               accessory item(s) listed in the Manufacturer's invoice and
               supplied by Manufacturer with such Pre-Sold Unit is missing, the
               Repurchase Price shall be reduced by the cost of replacement of
               such item(s).

          7.5  Green Tree may demand repurchase for the reason that any Pre-Sold
               Unit is not marketable or otherwise salable due to manufacturing
               defects or noncompliance with applicable state or federal codes.
               Manufacturer shall be allowed a reasonable time to correct any
               such defect(s).

          7.6  Green Tree may also demand repurchase in the event of breach of
               any of the warranties described in paragraph 10.3 herein.

          7.7  Upon repurchasing any repossessed Pre-Sold Unit under the terms
               of this Agreement, Manufacturer shall be subrogated to a
               corresponding portion of the rights of Green Tree against the
               Dealer with respect to such repossessed Pre-Sold Units and the
               related Floorplan Finance Transaction. Green Tree agrees to
               execute and deliver assignment of all such related instruments to
               Manufacturer upon request.

          7.8  If a Pre-Sold Unit is lawfully repossessed by Green Tree and
               Manufacturer is unable or unwilling to take possession of said
               Pre-Sold Unit or otherwise to pay the Repurchase Price to Green
               Tree upon the appropriate written demand, then Manufacturer
               agrees that Green Tree may, at its option, setoff any amount due
               and payable by Green Tree to Manufacturer under this Agreement
               against Green Tree's


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               right to receive money from Manufacturer pursuant to
               Manufacturer's repurchase obligation described herein.

     8. COSTS OF REPOSSESSION.

          In connection with any repossession covered in paragraph 7 hereof,
          Manufacturer shall reimburse Green Tree for all reasonable costs of
          transportation, security and storage incurred as a result of
          Manufacturer's failure to take possession of Pre-Sold Units under
          paragraph 7.1 above. Green Tree shall furnish Manufacturer with
          receipts supporting any claim for reimbursement.

     9. TERMINATION OF MANUFACTURER'S OBLIGATION.

          Manufacturer's obligation under this Agreement to repurchase any
          Pre-Sold Unit shall terminate as of the 366th day after the date of
          delivery of the Pre-Sold Unit by Manufacturer; provided, however, that
          Green Tree shall be allowed an additional thirty (30) day period for
          administrative processing. During such administrative period,
          Manufacturer's repurchase obligation which immediately precedes such
          period shall continue in full force and effect. If Green Tree is
          unable to obtain possession of any Pre-Sold Unit prior to the
          expiration of said 365 days because of pending legal or governmental
          proceedings, Manufacturer shall be obligated to repurchase the
          Pre-Sold Unit(s) within fifteen (15) days after Green Tree has
          obtained legal possession thereof.

     10. INDEMNIFICATION AND WARRANTY.

          10.1 Green Tree hereby agrees that it will indemnify and hold harmless
               Manufacturer, its agents, employees, successors and assigns, and
               all other persons, firms or corporations liable or claimed to be
               liable through Manufacturer because of any failure by Green Tree
               to comply with any state or federal laws.

          10.2 Green Tree warrants that:

               (a)  All requests for floorplan Commitments shall be processed
                    through and recommended by Manufacturer's various plants.

               (b)  Reporting of Dealer activity shall be provided by Green Tree
                    upon written request by Manufacturer, but not more
                    frequently than every sixty (60) days.



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               (c)  Original invoices and MSO's shall be held by Green Tree,
                    unless otherwise provided by law.

               (d)  Green Tree shall inspect Manufacturer's Pre-Sold Units held
                    by Dealers at 30-45 day intervals.

          10.3 Manufacturer warrants, with respect to each Pre-Sold Unit
               shipped, that:

               (a)  Its invoice represents a bona fide order by Dealer.

               (b)  The Pre-Sold Unit has been delivered to Dealer.

               (c)  Title to each Pre-Sold Unit is free and clear of all liens
                    and encumbrances.

               (d)  Its invoice is true and accurate and does not include items
                    not sold with Pre-Sold Unit.

               (e)  Its invoice complies with the Truth in Invoicing Practices
                    Statement.

               (f)  Its invoice compliance with all applicable state and federal
                    laws.

          10.4 Manufacturer and Green Tree hereby mutually agree to notify the
               other party immediately of any material problem and/or
               sold-out-of-trust situations of which it is aware with respect to
               any of Manufacturer's Dealers.

     11. TERMINATION.

          This Agreement shall continue in full force and effect from the
          effective date until terminated by either party by thirty (30) days
          written notice sent by registered or certified mail to the address
          shown herein. Such termination shall not affect the rights and
          obligations of the parties as to any transaction with Dealers or among
          the parties entered into prior to the receipt of such notice of
          termination.

     12. PARTIES BOUND.

          This Agreement shall inure to the benefit of and bind the parties
          hereto, their agents, employees and successors, but it is not
          assignable without the prior written consent of the parties hereto.



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     13. ENTIRE AGREEMENT.

          This Agreement supersedes any prior agreements between the parties
          with respect to floorplan financing provided by Green Tree to Dealers
          and constitutes the entire agreement and may not be modified or
          amended in any manner, except in writing signed by the parties.

     14. HOW NOTICES SENT.

          14.1 To Manufacturer at:                 Bellcrest Homes, Inc.
                                                   206 Magnolia Street
                                                   P.O. Box 630
                                                   Millen, Georgia 30442

          14.2 To Green Tree at:                   Green Tree Financial
                                                     Corporation and its
                                                     subsidiaries
                                                   345 St. Peter Street
                                                   St. Paul, Minnesota  55102
                                                   Attention:  Floorplan
                                                     Department Manager

     15. GOVERNING LAW.

          This Agreement is to be governed by and construed according to the
          laws of the State of Minnesota. If any provision of this Agreement is
          held to be invalid or to be contrary to the laws of Minnesota or
          constituted authority which may apply to this Agreement, such
          provision shall be regarded as severable and not deemed to be a part
          of this Agreement.

     _______________________                         GREEN TREE FINANCIAL
     (Manufacturer)                                  CORPORATION and its
                                                     subsidiaries

     BELLCREST HOMES, INC.

     By:_______________                              By:___________________
     Its: President                                  Its:__________________

     And:_______________                             And:__________________
     Its: Vice President Finance                     Its:__________________




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