EXHIBIT 10.2
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                                 PROMISSORY NOTE

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  Principal   Loan Date   Maturity  Loan No. Call/Coll. Account Officer Initials
$1,500,000.00 11-30-2004 01-05-2006  57821               16995    SM
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References in the shaded area are for Lender's use only and do not limit the
applicability of this document to any particular loan or item. Any item above
containing "..." has been omitted due to text length limitations.
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Borrower: GREYSTONE MANUFACTURING, L.L.C.   Lender: THE F&M BANK & TRUST COMPANY
          (TIN:  20-0165377)                        Harvard Commercial Loans
          1613 E. 15th Street                       1330 S. Harvard
          Tulsa, OK 74120                           (P.O. Box 4500 - 74159)
                                                    Tulsa, OK 74112
                                                    (918) 748-4060
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Principal                           Initial           Date
Amount:   $1,500,000.00             Rate: 6.000%      of Note: November 30, 2004

PROMISE TO PAY. GREYSTONE MANUFACTURING, L.L.C. ("Borrower") promises to pay to
THE F&M BANK & TRUST COMPANY ("Lender"), or order, in lawful money of the United
States of America, the principal amount of One Million Five Hundred Thousand &
00/100 Dollars ($1,500,000.00) or so much as may be outstanding, together with
interest on the unpaid outstanding principal balance of each advance. Interest
shall be calculated from the date of each advance until repayment of each
advance.

PAYMENT. Borrower will pay this loan in full immediately upon Lender's demand.
If no demand is made, Borrower will pay this loan in one payment of all
outstanding principal plus all accrued unpaid interest on January 5, 2006. In
addition, Borrower will pay regular monthly payments of all accrued unpaid
interest due as of each payment date, beginning January 5, 2005, with all
subsequent interest payments to be due on the same day of each month after that.
Unless otherwise agreed or required by applicable law, payments will be applied
first to any accrued unpaid interest; then to principal; then to any unpaid
collection costs; and then to any late charges. The annual interest rate for
this Note is computed on a 365/360 basis; that is, by applying the ratio of the
annual interest rate over a year of 360 days, multiplied by the outstanding
principal balance, multiplied by the actual number of days the principal balance
is outstanding. Borrower will pay Lender at Lender's address shown above or at
such other place as Lender may designate in writing.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an independent index which is the current
floating adjustable Prime Lending Rate (as hereinafter defined) at all times.
("The Prime Lending Rate of interest shall mean the prime rate published by the
Wall Street Journal, Southwest Edition, in its Money Rates columns as the prime
rate or base rate on corporate loans at large U.S. money center commercial banks
or a similar rate if such rate ceases to be published. If the Prime Lending Rate
of interest is no longer announced or established for any reason, the Bank may
select as the alternative Prime Lending Rate such other announced and
established prime or base rate for corporate loans of a New York, New York money
center bank that Bank deems in its sole discretion to be most comparable to the
no longer published Prime Lending Rate.) (the "Index"). The Index is not
necessarily the lowest rate charged by Lender on its loans. If the Index becomes
unavailable during the term of this loan, Lender may designate a substitute
Index after notice to Borrower. Lender will tell Borrower the current Index rate
upon Borrower's request. The interest rate change will not occur more often than
each day. Borrower understands that Lender may make loans based on other rates
as well. The Index currently is 5.000% per annum. The interest rate to be
applied to the unpaid principal balance of this Note will be at a rate of 1.000
percentage point over the Index, resulting in an initial rate of 6.000% per
annum. NOTICE: Under no circumstances will the Interest rate on this Note be
more than the maximum rate allowed by applicable law.

PREPAYMENT; MINIMUM INTEREST CHARGE. In any event, even upon full prepayment of
this Note, Borrower understands that Lender is entitled to a minimum interest
charge of $7.50. Other than Borrower's
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obligation to pay any minimum interest charge, Borrower may pay without penalty
all or a portion of the amount owed earlier than it is due. Early payments will
not, unless agreed to by Lender, in writing, relieve Borrower of Borrower's
obligation to continue to make payments of accrued unpaid interest. Rather,
early payments will reduce the principal balance due. Borrower agrees not to
send Lender payments marked "paid in full", "without recourse", or similar
language. If Borrower sends such a payment, Lender may accept it without losing
any of Lender's rights under this Note, and Borrower will remain obligated to
pay any further amount owed to Lender. All written communications concerning
disputed amounts, including any check or other payment instrument that indicates
that the payment constitutes "payment in full" of the amount owed or that is
tendered with other conditions or limitations or as full satisfaction of a
disputed amount must be mailed or delivered to: THE F&M BANK & TRUST COMPANY,
Harvard Commercial Loans, 1330 S. Harvard (P.O. Box 4500-74159), Tulsa, OK
74112.

LATE CHARGE: If a payment is 10 days or more late, Borrower will be charged
$19.00.

INTEREST AFTER DEFAULT. Upon default, at Lender's option, and if permitted by
applicable law, Lender may add any unpaid accrued interest to principal and such
sum will bear interest therefrom until paid at the rate provided in this Note
(including any increased rate). Upon default, Lender, at its option, may, if
permitted under applicable law, increase the variable interest rate on this Note
to 45.000% per annum. The interest rate will not exceed the maximum rate
permitted by applicable law.

DEFAULT. Each of the following shall constitute an event of default ("Event of
Default") under this Note:

            Payment Default. Borrower fails to make any payment when due under
            this Note.

            Other Defaults. Borrower fails to comply with or to perform any
            other term, obligation, covenant or condition contained in this Note
            or in any of the related documents or to comply with or to perform
            any term, obligation, covenant or condition contained in any other
            agreement between Lender and Borrower.

            False Statements. Any warranty, representation or statement made or
            furnished to Lender by Borrower or on Borrower's behalf under this
            Note or the related documents is false or misleading in any material
            respect, either nor or at the time made or furnished or becomes
            false or misleading at any time thereafter.

            Death or Insolvency. The dissolution of Borrower (regardless of
            whether election to continue is made), any member withdraws from
            Borrower, or any other termination of Borrower's existence as a
            going business or the death of any member, the insolvency of
            Borrower, the appointment of a receiver for any part of Borrower's
            property, any assignment for the benefit of creditors, any type of
            creditor workout, or the commencement of any proceeding under any
            bankruptcy or insolvency laws by or against Borrower.

            Creditor or Forfeiture Proceedings. Commencement of foreclosure or
            forfeiture proceedings, whether by judicial proceeding, self-help,
            repossession or any other method, by any creditor of Borrower or by
            any governmental agency against any collateral securing the loan.
            This includes a garnishment of any of Borrower's accounts, including
            deposit accounts, with Lender. However, this Event of Default shall
            not apply if there is a good faith dispute by Borrower as to the
            validity or reasonableness of the claim which is the basis of the
            creditor or forfeiture proceeding and if Borrower gives Lender
            written notice of the creditor or forfeiture proceeding and deposits
            with Lender monies or a surety bond for the creditor or forfeiture
            proceeding, in an amount determined by Lender, in its sole
            discretion, as being an adequate reserve or bond for the dispute.

            Events Affecting Guarantor. Any of the preceding events occurs with
            respect to any Guarantor of any of the indebtedness or any Guarantor
            dies or becomes incompetent, or revokes or disputes the validity of,
            or liability under, any guaranty of the indebtedness evidenced by
            this Note.

            Adverse Change. A material adverse change occurs in Borrower's
            financial condition, or Lender believes the prospect of payment or
            performance of this Note is impaired.

            Insecurity. Lender in good faith believes itself insecure.

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LENDER'S RIGHTS. Under default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, and then
Borrower will pay that amount.

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect
this Note if Borrower does not pay. Borrower will pay Lender that amount. This
includes, subject to any limits under applicable law, Lender's attorneys' fees
and Lender's legal expenses, whether or not there is a lawsuit, including
without limitation all attorneys' fees and legal expenses for bankruptcy
proceedings (including efforts to modify or vacate any automatic stay or
injunction), and appeals. If not prohibited by applicable law, Borrower also
will pay any court costs, in addition to all other sums provided by law.

JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any
action, proceeding, or counterclaim brought by either Lender or Borrower against
the other.

GOVERNING LAW. This Note will be governed by federal law applicable to Lender
and, to the extent not preempted by federal law, the laws of the State of
Oklahoma without regard to its conflicts of law provisions. This Note has been
accepted by Lender in the State of Oklahoma.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $10.00 if Borrower
makes a payment on Borrower's loan and the check or other payment order
including any preauthorized charge with which Borrower pays is later dishonored.

COLLATERAL. Borrower acknowledges this Note is secured by All accounts and
inventory now owned or hereafter acquired by debtor and proceeds thereof.

LINE OF CREDIT. This Note evidences a revolving line of credit. Advances under
this Note may be requested orally by Borrower or as provided in this paragraph.
All oral requests shall be confirmed in writing on the day of the request. All
communications, instructions, or direction by telephone or otherwise to Lender
are to be directed to Lender's office shown above. The following person
currently is authorized to request advances and authorize payment sunder the
line of credit until Lender receives from Borrower, at Lender's address shown
above, written notice of revocation of his or her authority: Warren F. Kruger,
Manager, President & CEO of GREYSTONE MANUFACTURING, L.L.C. Borrower agrees to
be liable for all sums either: (A) advanced in accordance with the instructions
of an authorized person or (B) credited to any of Borrower's accounts with
Lender. The unpaid principal balance owing on this Note at any time may be
evidenced by endorsements on this Note or by Lender's internal records,
including daily computer print-outs. Lender will have no obligation to advance
funds under this Note if: (A) Borrower or any guarantor is in default under the
terms of this Note or any agreement that Borrower or any guarantor has with
Lender, including any agreement made in connection with the signing of this
Note; (B) Borrower or any guarantor ceases doing business or is insolvent; (C)
any guarantor seeks, claims or otherwise attempts to limit, modify or revoke
such guarantor's guarantee of this Note or any other loan with Lender; (D)
Borrower has applied funds provided pursuant to this Note for purposes other
than those authorized by Lender; or (E) Lender in good faith believes itself
insecure.

SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and
upon Borrower's heirs, personal representatives, successors and assigns, and
shall inure to the benefit of Lender and its successors and assigns.

NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES.
Please notify us if we report any inaccurate information about your account(s)
to a consumer reporting agency. Your written notice describing the specific
inaccuracy(ies) should be sent to us at the following address: The F&M Bank &
Trust Company, 1330 S. Harvard, Tulsa, OK 74112.

GENERAL PROVISIONS. This Note is payable on demand. The inclusion of specific
default provisions or rights of Lender shall not preclude Lender's right to
declare payment of this Note on its demand. Lender may delay or forgo enforcing
any of its rights or remedies under this Note without losing them. Borrower and
any other person who signs, guarantees or endorses this Note, to the extent
allowed by law, waive presentment, demand for payment, and notice of dishonor.
Upon any change in the terms of this Note, and unless otherwise expressly stated
in writing, no party who signs this Note, whether as maker, guarantor,
accommodation maker or endorser, shall be released

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from liability. All such parties agree that Lender may renew or extend
(repeatedly and for any length of time) this loan or release any party or
guarantor or collateral; or impair, fail to realize upon or perfect Lender's
security interest in the collateral; and take any other action deemed necessary
by Lender without the consent of or notice to anyone. All such parties also
agree that Lender may modify this loan without the consent of or notice to
anyone other than the party with whom the modification is made. The obligations
under this Note are joint and several.

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF
THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO
THE TERMS OF THE NOTE.

BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.

BORROWER:

GREYSTONE MANUFACTURING, L.L.C.


By: /s/ Warren F. Kruger
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      Warren F. Kruger, Manager, President & CEO of
      GREYSTONE MANUFACTURING, L.L.C.





















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