<PAGE>   1
                                                                    Exhibit 10.2


                                PROMISSORY NOTE




$1,000,000                                   Dated: September 13, 1999


Principal Amount                             State of Florida


         FOR VALUE RECEIVED, the undersigned hereby jointly and severally
promise to pay to the order of Affordable Dealer Services, Inc., the sum of One
Million and 00/100 Dollars ($1,000,000), together with interest thereon at the
rate of 10% per annum on the unpaid balance. Said sum shall be paid in the
manner following: This note shall be paid within (3) Three Years, in (36)
Thirty-six consecutive and equal interest only payments of $8447.50 each, with a
first payment (45) Forty-Five days from hereof, and the same amount on the same
day of each month thereafter, provided the entire principal balance and any
accrued but unpaid interest shall be fully paid on or before September 13, 2002.


         All payments shall be first applied to interest and the balance to
principal. This note may be prepaid, at any time, in whole or in part, without
penalty. All prepayments shall be applied in reverse order of maturity.


         This note shall at the option of any holder hereof be immediately
due and payable upon the failure to make any payment due hereunder within
(90) Ninety days of its due date.


         In the event this note shall be in default, and placed with an
attorney for collection, then the undersigned agree to pay all reasonable
attorney fees and costs of collection. Payments not made within five (5) days
of due date shall be subject to a late charge of (5) Five % of said payment.
All payments hereunder shall be made to such address as may from time to time
be designated by any holder hereof.


         The undersigned and all other parties to this note, whether as
endorsers, guarantors or sureties, agree to remain fully bound hereunder until
this note shall be fully paid and waive demand, presentment and protest and all
notices thereto and further agree to remain bound, notwithstanding any
extension, renewal, modification, waiver, or other indulgence by any holder or
upon the discharge or release of any obligor hereunder or to this note or upon
the exchange, substitution, or release of any collateral granted as security
for this note. No modification or indulgence by any holder hereof shall be
binding unless in writing; and any indulgence on any one occasion shall not be
an indulgence for any other or future occasion. Any modification or change of
terms, hereunder granted by any holder hereof, shall be valid and binding upon
each of the undersigned, notwithstanding the acknowledgment of any of the
undersigned, and each of the undersigned does hereby irrevocably grant to each
of the others a power of attorney to enter into any such modification on their
behalf. The rights of any holder hereof shall be cumulative and not necessarily
successive. This note shall take effect as a sealed instrument and shall be
construed, governed and enforced in accordance with the laws of the State first
appearing at the head of this note. The undersigned hereby execute this note as
principals and not as sureties.


Signed in the presence of:




--------------------------------               --------------------------------
Witness                                        Borrower  Mid Lantic Marine, Inc.



/s/        [Illegible]                                    /s/    [Illegible]
--------------------------------              --------------------------------
Witness                                        Borrower