Exhibit 10.1
                                                    BUSINESS NEWS NETWORK, INC.
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VIA US MAIL AND FACSIMILE (706) 651-1421
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                                                     September 27, 1999
Bob Wilson
Southern States Lenders, Inc.
421 Columbia Road, Suite 5-B
Martinez, GA  30907

         Re:      Agreement for Purchase of Advertising Time

Dear Bob:

         This letter will set forth our agreement, effective as of the date
first written above, with respect to the purchase by Southern States Lenders,
Inc. ("Corporation") of advertising time on the broadcast of the Business News
Network (the "Network"). Business News Network, Inc. ("BNN") will provide
Corporation with a One Hundred Twenty Thousand Dollar ($120,000) credit towards
the purchase of advertising on the Network's broadcast (the "Credit"). In
exchange for the Credit, Corporation will issue to BNN's assignee, B. Michael
Pisani ("Assignee"), Two Hundred Forty Thousand (240,000) shares of its common
stock. A certificate evidencing Assignee's ownership of such shares shall be
delivered per BNN's instructions within five business days of the date first
written above, at which time the shares shall be fully paid and non-assessable.
If such shares are restricted, Assignee's holding period shall deem to start as
to all such shares on the date first written above.

         The Corporation may utilize the Credit for advertising time to be
broadcast any time prior to 12:00 a.m. EST on the third anniversary of this
agreement, subject to availability; PROVIDED THAT, to the extent at least one
third of the Credit is not utilized by the second anniversary of this agreement,
that portion of the Credit will expire and FURTHER PROVIDED THAT, BNN may refuse
to provide advertising time representing a conversion of more than one tenth of
the original Credit in a single calendar month. The conversion of the Credit to
advertising time shall be made based on BNN's Media Rate Card. A copy of BNN's
current Media Rate Card is appended to this letter. In the event BNN's Media
Rate Card changes, Corporation shall be entitled to purchase advertising time
according to the replaced Media Rate Card for a period of 120 days subsequent to
BNN's notice to Corporation of such change.

         Corporation's rights under this agreement may not be assigned without
the written consent of BNN. This Agreement represents the entire understanding
of the parties and may be modified only by a writing signed by the parties.

         The signature made in closing below shall evidence BNN's acceptance of
and intent to be bound by the foregoing, with the further intent that all others
may rely thereupon. Please have Corporation execute this Agreement in the space
provided. In addition, please deliver a copy of the resolution of Corporation's
Board of Directors to issue the Corporation Shares together with a Secretary's
Certificate authenticating such resolution. Once executed by all parties and
delivery
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          10 FAWN LANE, HAVERFORD, PA 19041 * TELEPHONE (610) 526-9347
                            *FACSIMILE (610) 526-9345


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Southern States Lenders, Inc.                                September 27, 1999
Advertising Barter Agreement                                        Page 2 of 2

of the foregoing corporate documents having been made, the agreement shall be
deemed effective as of the date first written above.

         We at BNN are pleased to provide you with this asset and anticipate
providing you with even greater value upon its conversion to an advertising
campaign.

                                                       Very truly yours,

                                                       /s/ Michael B. Pisani
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                                                       Michael B. Pisani,
                                                       Chief Executive Officer


Agreed to and accepted on this 30th
day of September, 1999, With the
intent to be bound by the foregoing
and with The further intent that all
others may rely thereupon.

CORPORATION

By:      /s/ Robert S. Wilson        Corporate Seal:
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             Robert S. Wilson

Its:     Chairman
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