Antonson & Kibler
                                  1000 Colfax
                              Gary, Indiana 46406
     
     
                                PROMISSORY NOTE
     
     $138,500.00                                   Date: March 31, 1996
     
     
     For value received, the undersigned Keystone Lines (the "Promisor") 
     promises to pay to the order of Harold Antonson and Michael Kibler 
     (the "Payee"), at 1000 Colfax, Gary, Indiana 46406, (or at such other 
     place as the Payee may designate in writing) the sum of $138,500.00 
     with interest from date of receipt as detailed below, on the unpaid 
     principal at the rate of 1.50 percent over the National Price as 
     published in the Wall Street Journal.                                     
     
     The unpaid principal and accrued interest shall be payable on demand.     
     All payments on this Note shall be applied first in payment of accrued 
     interest and any remainder in payment of principal.                       
     
     If any payment obligation under this Note is not paid when due, the       
     Promisor promises to pay all costs of collection, including reasonable    
     attorney fees, whether or not a lawsuit is commenced as part of the       
     collection process.                                                       
     
     No renewal or extension of this Note, delay in enforcing any right of     
     the Payee under this Note, or assignment by Payee of this Note shall      
     affect the liability of the Promisor.  All rights of the Payee under      
     this Note are cumulative and may be exercised concurrently or             
     consecutively at the Payee's option.                                      
     
     This Note shall be construed in accordance with the laws of the State     
     of Indiana.                                                               
     
     If any one or more of the provisions of this Note are determined to be    
     unenforceable, in whole or in part, for any reason, the remaining         
     provisions shall remain fully operative.                                  
     
     All payments of principal and interest on this Note shall be paid in      
     the legal currency of the United States.                                  






     
     
     Promisor waives presentment for payment, protest, and notice of protest   
     and nonpayment of this Note.                                              
     
               
     Signed this 5th day of May, 1996, at Gary, Indiana.
     
     
      Keystone Lines
     
     
     
     
      By: ____________________________________________________
              Michael Kiber
              President
     
     
                               Schedule of Loans
     
                       January 1996               $ 73,000
                       February 29, 1996          $ 48,700 
                       March 8, 1996             ($ 16,700)
                       March 31, 1996             $ 33,500 
                                                   -------
                                                  $138,500
                                                   =======






     
     
                               Antonson & Kibler
                                  1000 Colfax
                              Gary, Indiana 46406
     
     
                                PROMISSORY NOTE
     
     $1,300.00                                       Date: July 7, 1996
     
     
     For value received, the undersigned Keystone Lines (the "Promisor") 
     promises to pay to the order of Harold Antonson and Michael Kibler 
     (the "Payee"), at 1000 Colfax, Gary, Indiana 46406, (or at such other 
     place as the Payee may designate in writing) the sum of $1,300.00 with 
     interest from date of receipt as detailed below, on the unpaid princi-
     pal at the rate of 1.50 percent over the National Price as published 
     in the Wall Street Journal.                                               
     
     The unpaid principal and accrued interest shall be payable on demand.     
     All payments on this Note shall be applied first in payment of accrued 
     interest and any remainder in payment of principal.                       
     
     If any payment obligation under this Note is not paid when due, the       
     Promisor promises to pay all costs of collection, including reasonable    
     attorney fees, whether or not a lawsuit is commenced as part of the       
     collection process.                                                       
     
     No renewal or extension of this Note, delay in enforcing any right of     
     the Payee under this Note, or assignment by Payee of this Note shall      
     affect the liability of the Promisor.  All rights of the Payee under      
     this Note are cumulative and may be exercised concurrently or             
     consecutively at the Payee's option.                                      
     
     This Note shall be construed in accordance with the laws of the State     
     of Indiana.                                                               
     
     If any one or more of the provisions of this Note are determined to be    
     unenforceable, in whole or in part, for any reason, the remaining         
     provisions shall remain fully operative.                                  
     
     All payments of principal and interest on this Note shall be paid in      
     the legal currency of the United States.                                  






     
     
     Promisor waives presentment for payment, protest, and notice of protest   
     and nonpayment of this Note.                                              
     
               
     Signed this 7th day of July, 1996, at Gary, Indiana.
     
     
      Keystone Lines
     
     
     
     
      By: ____________________________________________________
              Michael Kiber
              President
     
     
                               Schedule of Loans
     
                       April 1996                  $ 1,300
                                                   -------
                                                   $ 1,300
                                                   =======