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                                                                   EXHIBIT 10.44

                                 PROMISSORY NOTE

$200,000                                                       November 22, 1999

FOR VALUE RECEIVED, Bikers Dream Inc. (the "Company") hereby promises to pay
Bill Whalen as the Payee at 69 Oriole Way, Westbury, NY 11590-1126(or at such
other address as the Payee may notify the Company from time to time), the
principal sum of Two Hundred Thousand DOLLARS ($200,000) or the outstanding
principal amount hereof, whichever is less, in lawful money of the United States
of America and in immediately available funds, without set-off, counterclaim or
deduction of any kind, on March 31, 2000 subject to pre-payment or the earlier
date described below, and to pay interested on the unpaid principal amount of
this Note for the period commencing on the date hereof until this Note shall be
paid in full at a rate equal to 12% per annum. Principal and accrued interest on
this Note shall be payable in full on or before March 31, 2000 or in part upon
the earlier receipt of funds by the Company from any third-party lender or
investor (each, a "Prepayment Date"), in an amount equal to the net proceeds of
each financing up to the outstanding principal and accrued interest herein.


        The Note shall have the following terms and conditions:

1.      This Note may be prepaid, in whole or in part, prior to March 31, 2000
        (the "Maturity Date"), and shall be prepaid to the extent set forth
        above on each Prepayment Date. The indebtedness evidenced by this Note
        shall be pari passu with all other senior unsecured indebtedness of the
        Company.

2.      The Maturity Date of this Note may be further extended at the option of
        the Payee.

3.      An "Event of Default" shall occur if one or more of the following events
        shall occur and be continuing: (A) the Company shall fail to pay the
        principal and accrued interest on the Note when due; (B) the Company
        shall default in any material respect on any of its obligations under
        this Note or any representation or warranty by the Company in connection
        herewith shall prove to have been untrue or in any respect on or as of
        the date made, which default remains uncured 15 days after written
        notice thereof from the holder hereof to the Company, (C) the Company
        shall (i) apply for or consent to the appointment of, or taking
        possession by, a receiver, custodian, trustee or liquidation of itself
        or of all or a substantial part of its property, (ii) make a general
        assignment for the benefit of its creditors, (iii) commence a voluntary
        case under relevant bankruptcy code or similar law (as now or hereafter
        in effect), or (v) admit in writing its inability to pay its debt
        generally as they become due, or (vi) take any action for the purpose of
        effecting any of the foregoing: or (D) a proceeding or case shall be
        commenced, without the application or consent of the Company, in any
        court of competent jurisdiction, seeking (i) its liquidation,
        reorganization, dissolution or winding-up, or the composition or
        readjustment of its debts, (ii) the appointment of a trustee., receiver,
        custodian, liquidator or the like of the Company or all or any
        substantial parts of its assets, or (iii) similar relief in respect of
        the Company under any law relating to bankruptcy, insolvency,
        reorganization, winding-up, or composition or adjustment of debts, and
        such proceeding or case shall continue un-dismissed, or an order,
        judgment or decree approving or ordering any of the foregoing shall be
        entered and continue un-stayed and in effect, for a period of 30 days;
        or an order



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        for relief against this Company shall be entered in an involuntary case
        under any relevant bankruptcy code or similar law (as now or hereafter
        in effect):


4.      THEREUPON: (1) in the case of an Event of Default other than one
        referred to in clause (C) or (D) of the immediate preceding paragraph,
        the Payee, by written notice to the Company, may declare the principal
        amount of this note then outstanding and the accrued interest thereon
        and all other amounts payable by the Company hereunder to be forthwith
        due and payable, whereupon such amounts together with interest
        thereafter accruing at 25% shall be immediately due and payable without
        presentment, demand, protest or other formalities of any kind (other
        than the notice expressly provided for above in the sub clause (1), all
        of which are hereby expressly waived by the Company): and (2) in the
        case of an Event of Default referred to in clause C or (D) of the
        immediate preceding paragraph, the principal amount then outstanding of,
        and the accrued interest on this Note and all other amounts payable by
        the Company hereunder shall become automatically immediately due and
        payable without presentment, demand, protest or other formalities of any
        kind, all of which are hereby expressly waived by the Company.

5.      The Company agrees to pay upon demand all costs of collection and
        enforcement of this Note, together with the costs incurred by the
        Company in connection with any extension, amendment or restatement of
        this Note (including without limitation, in connection with the
        preparation, review, or other revision of this amended and restated
        promissory note and any other document in connection herewith).

6.      This Note may be negotiated, assigned or transferred without the consent
        of the Company.

7.      THIS AMENDED AND RESTATED PROMISSORY NOTE SHALL BE GOVERNED BY AND
        CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK
        APPLICABLE TO INSTRUMENTS MADE AND DELIVERED THEREIN BY RESIDENTS
        THEREOF.


                                            Bikers Dream, Inc.


                                            By /s/ H. Rosenman
                                               ---------------------------------

                                            Name
                                                --------------------------------

                                            Title CEO
                                                 -------------------------------