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                                   PROMISSORY NOTE







$3,344,174.21                                                  October 1, 1996
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For Value Received, RUSSELL DATA SERVICES, INC., a Nevada corporation
("Russell"), hereby promises to pay to the order of National Medical
Financial Services Corporation, a Nevada corporation (the "Holder"), the
principal sum of Three Million, Three Hundred Forty-four Thousand, One
Hundred Seventy-four and 21/00 Dollars ($3,344,174.21) plus interest accrued,
thereon, as provided herein:

1.     ADVANCES OF PRINCIPAL.  The Holder shall make advances to principal to
       Russell as follows:

              October 1, 1996                             $3,344,174.21
                                                          -------------

2.     INTEREST RATE.  This Note shall bear interest from the date of this
       Note on the principal balance outstanding at a rate of ten percent
       (10%) per annum.  Interest accrued on this Note shall be payable with
       the each payment of principal of this Note in accordance with payment
       schedule set forth in Section 4 of this agreement.

3.     PAYMENTS.  All payments under this Note shall be in lawful money of the
       United States of America.  The principal amount of this Note may be
       prepaid at any time without penalty.

4.     PAYMENTS OF PRINCIPAL.  The agreed upon schedule for the repayment of
       principal is as follows:

         $1,000,000.00 Principal plus accrued interest, payable and due on
         January 15, 1997;

         $1,000,000.00 Principal plus accrued interest, payable and due on
         April 15, 1997;

         $1,000,000.00 Principal plus accrued interest, payable and due on July
         15, 1997;

         $  344,174.21 Principal plus accrued interest, payable and due on
         September 15, 1997.

5.     NO WAIVER AMENDMENTS.  Failure of the Holder to insist upon strict
       performance of the terms, conditions and provisions of this Note shall
       be deemed a waiver of future compliance therewith of a waiver of such
       terms, conditions or provisions.  No waiver of any terms, conditions
       or provisions hereof shall be deemed to have been made unless
       expressed in writing and signed by the Holder.  The terms of this Note
       shall not be amended, supplemented or modified in any manner without
       the prior written consent of the Holder.

6.     GOVERNING LAW.  This Note shall be governed by and construed in
       accordance with, the laws of the State of Nevada, regard to principles
       of conflict of law.


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IN WITNESS WHEREOF, this Note has been duly executed and delivered by the
maker of this Note on the date first above written.

                                         RUSSELL DATA SERVICES, INC.


                                         By:  /s/ Douglas R. Colkitt, M.D.
                                              -------------------------------
                                              Name:  Douglas R. Colkitt, M.D.
                                              -------------------------------
                                              Title: President
                                              -------------------------------




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