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                                                                   EXHIBIT 10.20

PROMISSORY NOTE

$80,000                                               September 15, 1999

Interstate University (herein called the "Maker"), for value received, promises
to pay to the order of Gulf Northern Transport, Inc. (herein called the
"Holder"), Eighty Thousandx Thousands Dollars ($80,000), together with interest
on the unpaid principal balance at a rate of ten percent (10%) per annum,
payable in 36 consecutive equal monthly payments of principal and interest in
the amount of $2,581.37 on the first day of each month beginning November 1,
1999, and continuing until the entire indebtedness is fully paid.

The Maker waives presentment, demand for payment, protest, notice of protest,
and notice of nonpayment. Maker agrees to pay all costs, charges and expenses
incurred by Holder and its assigns (including, without limitation, costs of
collection, court costs, and reasonable attorney's fees). This Note shall in
all respects be subject to, and governed by, the internal laws of the State of
South Carolina. Maker hereby irrevocably submits to the jurisdiction of any
State or Federal Court sitting in either Charleston, South Carolina, in any
action or proceeding arising out of or relating to this Note, and hereby
irrevocably agrees that all claims in respect of such action or proceeding may
be heard and determined in such State or Federal Court. Maker hereby
irrevocably waives to the fullest extent he may do so, the defense of an
inconvenient forum to the maintenance of such action or proceeding. Maker
hereby consents and agrees that the summons and complaint and any other process
which may be serviced in any such action or proceeding may be served by mailing
(by registered or certified mail) or delivering a copy of such process at the
address below. The parties agree that a final judgment in any such action or
proceeding shall be conclusive and may be enforced in other jurisdictions by
suit on the judgment or any other manner provided by law.

The Maker shall have the right to prepay the amount of this Note, in whole or
in part, without penalty. Maker agrees that any delay on the part of the Holder
hereof in exercising any rights hereunder will not operate as a waiver of such
rights. The Note applies to, inures to the benefit of, and binds the successors
and assigns of the parties hereto.

                       MAKER:

BY: Interstate University.


/s/ Dan Pixler
-----------------------------
    Dan Pixler - Manager


                          ADDRESS:  5699 Hwy 41 N.
                                    Evansville, IN 47725
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PROMISSORY NOTE

$476,000                                               September 30, 1999

Transit Financial Services, Inc. (herein called the "Maker"), for value
received, promises to pay to the order of Gulf Northern Transport, Inc. (herein
called the "Holder"), Four Hundred Seventy Six Thousand Dollars ($476,000),
together with interest on the unpaid principal balance at a rate of ten percent
(10%) per annum, payable in 48 consecutive equal monthly payments of principal
and interest in the amount of $12,072.59 on the first day of each month
beginning November 1, 1999, and continuing until the entire indebtedness is
fully paid.

The Maker waives presentment, demand for payment, protest, notice of protest,
and notice of nonpayment. Maker agrees to pay all costs, charges and expenses
incurred by Holder and its assigns (including, without limitation, costs of
collection, court costs, and reasonable attorney's fees). This Note shall in
all respects be subject to, and governed by, the internal laws of the State of
South Carolina. Maker hereby irrevocably submits to the jurisdiction of any
State or Federal Court sitting in either Charleston, South Carolina, in any
action or proceeding arising out of or relating to this Note, and hereby
irrevocably agrees that all claims in respect of such action or proceeding may
be heard and determined in such State or Federal Court. Maker hereby
irrevocably waives to the fullest extent he may do so, the defense of an
inconvenient forum to the maintenance of such action or proceeding. Maker
hereby consents and agrees that the summons and complaint and any other process
which may be serviced in any such action or proceeding may be served by mailing
(by registered or certified mail) or delivering a copy of such process at the
address below. The parties agree that a final judgment in any such action or
proceeding shall be conclusive and may be enforced in other jurisdictions by
suit on the judgment or any other manner provided by law.

The Maker shall have the right to prepay the amount of this Note, in whole or
in part, without penalty. Maker agrees that any delay on the part of the Holder
hereof in exercising any rights hereunder will not operate as a waiver of such
rights. The Note applies to, inures to the benefit of, and binds the successors
and assigns of the parties hereto.

                       MAKER:

BY: Transit Financial Services, Inc.


/s/ Dan Pixler
-----------------------------
    Dan Pixler - Manager


                          ADDRESS:  1004 Crooked Oak Road
                                    Summerville, SC 29482