Exhibit 10.15

                                    GUARANTY



                                 LITTLE ROCK, AR
                                     (City)

                                                         APRIL 20, 2004
For good and valuable  consideration,  the receipt and  sufficiency of which are
hereby acknowledged, and to induce BANK OF THE OZARKS (CHENAL)
                                   ---------------------------------------------
(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations  to or for the account of CAPITOL  DEVELOPMENT OF ARKANSAS,  INC.
(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities and obligations described
as follows:

     A.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of the debt,  liability  or  obligation  of
          Borrower  to Lender  evidenced  by or  arising  out of the  following:
          $2,050,000.00 CAPITOL DEVELOPMENT OF ARKANSAS. INC.and any extensions,
          renewals  or  replacements  thereof  (hereinafter  referred  to as the
          "Indebtedness").
     B.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of  each  and  every  debt,  liability  and
          obligation of every type and description  which Borrower may now or at
          any time  hereafter  owe to Lender  (whether  such debt,  liability or
          obligation now exists or is hereafter created or incurred, and whether
          it is or may be direct or indirect,  due or to become due, absolute or
          contingent,  primary or  secondary,  liquidated  or  unliquidated,  or
          joint, several, or joint and several; all such debts,  liabilities and
          obligations  being  hereinafter   collectively   referred  to  as  the
          "Indebtedness").   Without  limitation,  this  guaranty  includes  the
          following described debt(s):

     The Undersigned further acknowledges and agrees with Lender that:

     1. No act or thing need occur to establish the liability of the Undersigned
hereunder,  and no act or  thing,  except  full  payment  and  discharge  of all
indebtedness,  shall in any way exonerate  the  Undersigned  or modify,  reduce,
limit or release the liability of the Undersigned hereunder.

     2. This is an absolute, unconditional and continuing guaranty of payment of
the  Indebtedness  and shall  continue  to be in force and be  binding  upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancings  thereof.  If  there  be more  than one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

     3. If the Undersigned shall be dissolved,  shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy Code, the full amount of ail Indebtedness, whether due and payable or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

     4.  The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal  amount of $600,000.00  (if unlimited or if no amount  is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
and enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without affecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness from.  Borrower or any other person (except the Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shall be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.
     5. The Undersigned  will pay or reimburse Lender for all costs and expenses
(including  reasonable attorneys' fees and legal expenses) incurred by Lender in
connection with the  protection,  defense or enforcement of this guaranty in any
litigation or bankruptcy or insolvency  proceedings.  This guaranty includes the
additional provisions on page 2, all of which are made a part hereof.

     This guaranty is & unsecured; D secured by a mortgage or security agreement
dated _____ ; D secured by ___________________._____________________.



IN WITNESS WHEREOF,  this guaranty has been duly
executed by the Undersigned the day and year first above written.

  G WARREN STEPHENSON                  /s/                     JL
----------------------------------------------------------------------


P O BOX 17210
LITTLE ROCK AR



<PAGE>



                                    GUARANTY



                                 LITTLE ROCK, AR
                                     (City)



                                                         APRIL 20, 2004
For good and valuable  consideration,  the receipt and  sufficiency of which are
hereby acknowledged, and to induce BANK OF THE OZARKS (CHENAL)
                                   ---------------------------------------------
(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations  to or for the account of CAPITOL  DEVELOPMENT OF ARKANSAS,  INC.
(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities and obligations described
as follows:

     A.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of the debt,  liability  or  obligation  of
          Borrower  to Lender  evidenced  by or  arising  out of the  following:
          $2,050,000.00 CAPITOL DEVELOPMENT OF ARKANSAS. INC.and any extensions,
          renewals  or  replacements  thereof  (hereinafter  referred  to as the
          "Indebtedness").
     B.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of  each  and  every  debt,  liability  and
          obligation of every type and description  which Borrower may now or at
          any time  hereafter  owe to Lender  (whether  such debt,  liability or
          obligation now exists or is hereafter created or incurred, and whether
          it is or may be direct or indirect,  due or to become due, absolute or
          contingent,  primary or  secondary,  liquidated  or  unliquidated,  or
          joint, several, or joint and several; all such debts,  liabilities and
          obligations  being  hereinafter   collectively   referred  to  as  the
          "Indebtedness").   Without  limitation,  this  guaranty  includes  the
          following described debt(s):

     The Undersigned further acknowledges and agrees with Lender that:

     1. No act or thing need occur to establish the liability of the Undersigned
hereunder,  and no act or  thing,  except  full  payment  and  discharge  of all
indebtedness,  shall in any way exonerate  the  Undersigned  or modify,  reduce,
limit or release the liability of the Undersigned hereunder.

     2. This is an absolute, unconditional and continuing guaranty of payment of
the  Indebtedness  and shall  continue  to be in force and be  binding  upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancings  thereof.  If  there  be more  than one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

     3. If the Undersigned shall be dissolved,  shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy Code, the full amount of ail Indebtedness, whether due and payable or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

     4.  The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal amount of $1,200,000.00  (if unlimited or if no amount is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
and enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without affecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness from.  Borrower or any other person (except the Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shall be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.  5. The Undersigned  will pay or reimburse
Lender for all costs and  expenses  (including  reasonable  attorneys'  fees and
legal expenses) incurred by Lender in connection with the protection, defense or
enforcement  of this  guaranty in any  litigation  or  bankruptcy  or insolvency
proceedings.  This guaranty includes the additional provisions on page 2, all of
which are made a part hereof.

     This guaranty is & unsecured; D secured by a mortgage or security agreement
dated _____ ; D secured by ___________________._____________________.



IN WITNESS WHEREOF,  this guaranty has been duly executed by the Undersigned the
day and year first above written.


Tommy L. Lasiter                                                JL
813 Cherry Hill rd.
N. Little Rock, AR  72116



<PAGE>


                                   GUARANTY



                                 LITTLE ROCK, AR
                                     (City)

                                                        APRIL 20, 2004
For good and valuable  consideration,  the receipt and  sufficiency of which are
hereby acknowledged, and to induce BANK OF THE OZARKS (CHENAL)
                                   ---------------------------------------------
(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations  to or for the account of CAPITOL  DEVELOPMENT OF ARKANSAS,  INC.
(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities and obligations described
as follows:

     A.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of the debt,  liability  or  obligation  of
          Borrower  to Lender  evidenced  by or  arising  out of the  following:
          $2,050,000.00 CAPITOL DEVELOPMENT OF ARKANSAS. INC.and any extensions,
          renewals  or  replacements  thereof  (hereinafter  referred  to as the
          "Indebtedness").
     B.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of  each  and  every  debt,  liability  and
          obligation of every type and description  which Borrower may now or at
          any time  hereafter  owe to Lender  (whether  such debt,  liability or
          obligation now exists or is hereafter created or incurred, and whether
          it is or may be direct or indirect,  due or to become due, absolute or
          contingent,  primary or  secondary,  liquidated  or  unliquidated,  or
          joint, several, or joint and several; all such debts,  liabilities and
          obligations  being  hereinafter   collectively   referred  to  as  the
          "Indebtedness").   Without  limitation,  this  guaranty  includes  the
          following described debt(s):

     The Undersigned further acknowledges and agrees with Lender that:

     1. No act or thing need occur to establish the liability of the Undersigned
hereunder,  and no act or  thing,  except  full  payment  and  discharge  of all
indebtedness,  shall in any way exonerate  the  Undersigned  or modify,  reduce,
limit or release the liability of the Undersigned hereunder.

     2. This is an absolute, unconditional and continuing guaranty of payment of
the  Indebtedness  and shall  continue  to be in force and be  binding  upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancings  thereof.  If  there  be more  than one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

     3. If the Undersigned shall be dissolved,  shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy Code, the full amount of ail Indebtedness, whether due and payable or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

     4.  The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal  amount of $600,000.00  (if unlimited or if no amount  is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
and enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without affecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness from.  Borrower or any other person (except the Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shall be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.  5. The Undersigned  will pay or reimburse
Lender for all costs and  expenses  (including  reasonable  attorneys'  fees and
legal expenses) incurred by Lender in connection with the protection, defense or
enforcement  of this  guaranty in any  litigation  or  bankruptcy  or insolvency
proceedings.  This guaranty includes the additional provisions on page 2, all of
which are made a part hereof.

     This guaranty is & unsecured; D secured by a mortgage or security agreement
dated _____ ;
D secured by ___________________._____________________.

IN WITNESS WHEREOF,  this guaranty has been duly executed by the Undersigned the
day and year first above written.

Bruce Thalheimer
73 Robinwood R.
Little rock, AR  72210



<PAGE>

                                   GUARANTY



                                 LITTLE ROCK, AR
                                     (City)

                                                        APRIL 20, 2004
For good and valuable  consideration,  the receipt and  sufficiency of which are
hereby acknowledged, and to induce BANK OF THE OZARKS (CHENAL)
                                   ---------------------------------------------
(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations  to or for the account of CAPITOL  DEVELOPMENT OF ARKANSAS,  INC.
(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities and obligations described
as follows:

     A.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of the debt,  liability  or  obligation  of
          Borrower  to Lender  evidenced  by or  arising  out of the  following:
          $2,050,000.00 CAPITOL DEVELOPMENT OF ARKANSAS. INC.and any extensions,
          renewals  or  replacements  thereof  (hereinafter  referred  to as the
          "Indebtedness").
     B.   If this [ ] is  checked,  the  Undersigned  guarantees  to Lender  the
          payment  and  performance  of  each  and  every  debt,  liability  and
          obligation of every type and description  which Borrower may now or at
          any time  hereafter  owe to Lender  (whether  such debt,  liability or
          obligation now exists or is hereafter created or incurred, and whether
          it is or may be direct or indirect,  due or to become due, absolute or
          contingent,  primary or  secondary,  liquidated  or  unliquidated,  or
          joint, several, or joint and several; all such debts,  liabilities and
          obligations  being  hereinafter   collectively   referred  to  as  the
          "Indebtedness").   Without  limitation,  this  guaranty  includes  the
          following described debt(s):

     The Undersigned further acknowledges and agrees with Lender that:

     1. No act or thing need occur to establish the liability of the Undersigned
hereunder,  and no act or  thing,  except  full  payment  and  discharge  of all
indebtedness,  shall in any way exonerate  the  Undersigned  or modify,  reduce,
limit or release the liability of the Undersigned hereunder.

     2. This is an absolute, unconditional and continuing guaranty of payment of
the  Indebtedness  and shall  continue  to be in force and be  binding  upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancings  thereof.  If  there  be more  than one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

     3. If the Undersigned shall be dissolved,  shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy Code, the full amount of ail Indebtedness, whether due and payable or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

     4.  The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal amount of $1,200,000.00  (if unlimited or if no amount is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
and enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without affecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness from.  Borrower or any other person (except the Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shall be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.  5. The Undersigned  will pay or reimburse
Lender for all costs and  expenses  (including  reasonable  attorneys'  fees and
legal expenses) incurred by Lender in connection with the protection, defense or
enforcement  of this  guaranty in any  litigation  or  bankruptcy  or insolvency
proceedings.  This guaranty includes the additional provisions on page 2, all of
which are made a part hereof.

     This guaranty is & unsecured; D secured by a mortgage or security agreement
dated _____ ;
D secured by ___________________._____________________.



IN WITNESS WHEREOF,  this guaranty has been duly executed by the Undersigned the
day and year first above written.


Doyle Rogers
111 Center Street, Suite 1510
Little Rock,AR  72201







<PAGE>



                              ADDENDUM TO GUARANTY

                                                           Little Rock, Arkansas

        This  ADDENDUM TO GUARANTY (the  "Addendum")  made this __ day of April,
2004,  by the  undersigned,  hereinafter  "Guarantor",  and  Bank of the  Ozarks
(Chenal), hereinafter "Lender".

        This Addendum is deemed to be  incorporated  into that certain  Guaranty
 dated of even date herewith (the "Guaranty") and executed by Guarantor in favor
 of lender in connection with Lender's loan to Capital  Development of Arkansas,
 Inc.,  hereinafter  "Borrower".  which U described as a loan to Borrower in the
 original  principal  amount of  $2,050,000.00,  together -with any  extensions,
 renewals or replacements  thereof,  plus all accrued  Interest  thereon and all
 attorney*' fees, collection costs, and other expenses,  without limitation,  to
 which Lender may be entitled (hereinafter the "Indebtedness").

        Lender  hereby agrees with  Guarantor  that in the event Lender seeks to
 enforce the  Guaranty,  Guarantor,  whether  singly or together  with any other
 guarantor of the  Indebtedness,  shall have the right to purchase  all, and not
 less than all, of the  Indebtedness  and  thereby  acquire all of the rights of
 lender in connection with) the Indebtedness, including, without limitation, any
 mortgages  entered into in  connection  with the  Indebtedness,  provided  that
 within five (5) days after being  notified by Lender of Borrower's  default and
 Lenders'  desire  to  enforce  the  terms of the  Guaranty  against  Guarantor,
 Guarantor  shall  notify  Lender of  his/its  intent to  exercise  the right to
 purchase  the  Indebtedness.  If the  right to  purchase  the  Indebtedness  is
 exercised,  the purchase of the Indebtedness must close within thirty (30) days
 after  Guarantor hag given notice of such purchase to the Lender.  In the event
 that Guarantor Ms to give timely notice of his/its intent to exercise the right
 to purchase the  Indebtedness,  or fails to consummate the purchase  within the
 specified  time,  then the right to purchase the  Indebtedness  shall be deemed
 waived  by  Guarantor,  The  consideration  to be  paid  by  the  Guarantor  or
 guarantors shall equal the amount of the Indebtedness as defined above.

         In the event of a purchase of the Indebtedness pursuant to the terms of
  this  Addendum,  then,  in such event,  the  provisions  of Section ,10 of the
  Guaranty shall be null and void and of no further force and effect,

         This  Addendum  made and entered  into  the dare first  above  written,


                             GUARANTOR:
-----------------------------

                                    /s/
                                    -----------------------------
                                    Doyle W. Rogers


                                    LENDER:

                                    BANK OF THE 0ZARKS (CHENAL)


                                    Name:
                                    Title:





<PAGE>


                              ADDENDUM TO GUARANTY

                                                           Little Rock, Arkansas

        This ADDENDUM TO GUARANTY (the  "Addendum") made this 22nd day of April,
2004,  by the  undersigned,  hereinafter  "Guarantor",  and  Bank of the  Ozarks
(Chenal), hereinafter "Lender".

        This Addendum is deemed to be  incorporated  into that certain  Guaranty
 dated of even date herewith (the "Guaranty") and executed by Guarantor in favor
 of lender in connection with Lender's loan to Capital  Development of Arkansas,
 Inc.,  hereinafter  "Borrower".  which U described as a loan to Borrower in the
 original  principal  amount of  $2,050,000.00,  together -with any  extensions,
 renewals or replacements  thereof,  plus all accrued  Interest  thereon and all
 attorney*' fees, collection costs, and other expenses,  without limitation,  to
 which Lender may be entitled (hereinafter the "Indebtedness").

        Lender  hereby agrees with  Guarantor  that in the event Lender seeks to
 enforce the  Guaranty,  Guarantor,  whether  singly or together  with any other
 guarantor of the  Indebtedness,  shall have the right to purchase  all, and not
 less than all, of the  Indebtedness  and  thereby  acquire all of the rights of
 lender in connection with) the Indebtedness, including, without limitation, any
 mortgages  entered into in  connection  with the  Indebtedness,  provided  that
 within five (5) days after being  notified by Lender of Borrower's  default and
 Lenders'  desire  to  enforce  the  terms of the  Guaranty  against  Guarantor,
 Guarantor  shall  notify  Lender of  his/its  intent to  exercise  the right to
 purchase  the  Indebtedness.  If the  right to  purchase  the  Indebtedness  is
 exercised,  the purchase of the Indebtedness must close within thirty (30) days
 after  Guarantor hag given notice of such purchase to the Lender.  In the event
 that Guarantor Ms to give timely notice of his/its intent to exercise the right
 to purchase the  Indebtedness,  or fails to consummate the purchase  within the
 specified  time,  then the right to purchase the  Indebtedness  shall be deemed
 waived  by  Guarantor,  The  consideration  to be  paid  by  the  Guarantor  or
 guarantors shall equal the amount of the Indebtedness as defined above.

         In the event of a purchase of the Indebtedness pursuant to the terms of
  this  Addendum,  then,  in such event,  the  provisions  of Section ,10 of the
  Guaranty shall be null and void and of no further force and effect,

         This Addendum made and entered into the dare first above written,


                            GUARANTOR:
---------------------------



                                               Warren Stephenson

                                               LENDER:

                                               BANK OF THE 0ZARKS (CHENAL)



                                               Name:
                                               Title:





<PAGE>

                              ADDENDUM TO GUARANTY

                                                           Little Rock, Arkansas

        This ADDENDUM TO GUARANTY (the  "Addendum") made this 22nd day of April,
2004,  by the  undersigned,  hereinafter  "Guarantor",  and  Bank of the  Ozarks
(Chenal), hereinafter "Lender".

        This Addendum is deemed to be  incorporated  into that certain  Guaranty
 dated of even date herewith (the "Guaranty") and executed by Guarantor in favor
 of lender in connection with Lender's loan to Capital  Development of Arkansas,
 Inc.,  hereinafter  "Borrower".  which U described as a loan to Borrower in the
 original  principal  amount of  $2,050,000.00,  together -with any  extensions,
 renewals or replacements  thereof,  plus all accrued  Interest  thereon and all
 attorney*' fees, collection costs, and other expenses,  without limitation,  to
 which Lender may be entitled (hereinafter the "Indebtedness").

        Lender  hereby agrees with  Guarantor  that in the event Lender seeks to
 enforce the  Guaranty,  Guarantor,  whether  singly or together  with any other
 guarantor of the  Indebtedness,  shall have the right to purchase  all, and not
 less than all, of the  Indebtedness  and  thereby  acquire all of the rights of
 lender in connection with) the Indebtedness, including, without limitation, any
 mortgages  entered into in  connection  with the  Indebtedness,  provided  that
 within five (5) days after being  notified by Lender of Borrower's  default and
 Lenders'  desire  to  enforce  the  terms of the  Guaranty  against  Guarantor,
 Guarantor  shall  notify  Lender of  his/its  intent to  exercise  the right to
 purchase  the  Indebtedness.  If the  right to  purchase  the  Indebtedness  is
 exercised,  the purchase of the Indebtedness must close within thirty (30) days
 after  Guarantor hag given notice of such purchase to the Lender.  In the event
 that Guarantor Ms to give timely notice of his/its intent to exercise the right
 to purchase the  Indebtedness,  or fails to consummate the purchase  within the
 specified  time,  then the right to purchase the  Indebtedness  shall be deemed
 waived  by  Guarantor,  The  consideration  to be  paid  by  the  Guarantor  or
 guarantors shall equal the amount of the Indebtedness as defined above.

         In the event of a purchase of the Indebtedness pursuant to the terms of
  this  Addendum,  then,  in such event,  the  provisions  of Section ,10 of the
  Guaranty shall be null and void and of no further force and effect,

         This Addendum made and entered into the dare first above written,

                                  GUARANTOR:
---------------------------------




                                           Tommy J. Lasiter

                                           LENDER:

                                           BANK OF THE 0ZARKS (CHENAL)

                                           Name:
                                           Title:




<PAGE>



                              ADDENDUM TO GUARANTY

                                                           Little Rock, Arkansas

        This ADDENDUM TO GUARANTY (the  "Addendum") made this 22nd day of April,
2004,  by the  undersigned,  hereinafter  "Guarantor",  and  Bank of the  Ozarks
(Chenal), hereinafter "Lender".

        This Addendum is deemed to be  incorporated  into that certain  Guaranty
 dated of even date herewith (the "Guaranty") and executed by Guarantor in favor
 of lender in connection with Lender's loan to Capital  Development of Arkansas,
 Inc.,  hereinafter  "Borrower".  which U described as a loan to Borrower in the
 original  principal  amount of  $2,050,000.00,  together -with any  extensions,
 renewals or replacements  thereof,  plus all accrued  Interest  thereon and all
 attorney*' fees, collection costs, and other expenses,  without limitation,  to
 which Lender may be entitled (hereinafter the "Indebtedness").

        Lender  hereby agrees with  Guarantor  that in the event Lender seeks to
 enforce the  Guaranty,  Guarantor,  whether  singly or together  with any other
 guarantor of the  Indebtedness,  shall have the right to purchase  all, and not
 less than all, of the  Indebtedness  and  thereby  acquire all of the rights of
 lender in connection with) the Indebtedness, including, without limitation, any
 mortgages  entered into in  connection  with the  Indebtedness,  provided  that
 within five (5) days after being  notified by Lender of Borrower's  default and
 Lenders'  desire  to  enforce  the  terms of the  Guaranty  against  Guarantor,
 Guarantor  shall  notify  Lender of  his/its  intent to  exercise  the right to
 purchase  the  Indebtedness.  If the  right to  purchase  the  Indebtedness  is
 exercised,  the purchase of the Indebtedness must close within thirty (30) days
 after  Guarantor hag given notice of such purchase to the Lender.  In the event
 that Guarantor Ms to give timely notice of his/its intent to exercise the right
 to purchase the  Indebtedness,  or fails to consummate the purchase  within the
 specified  time,  then the right to purchase the  Indebtedness  shall be deemed
 waived  by  Guarantor,  The  consideration  to be  paid  by  the  Guarantor  or
 guarantors shall equal the amount of the Indebtedness as defined above.

         In the event of a purchase of the Indebtedness pursuant to the terms of
  this  Addendum,  then,  in such event,  the  provisions  of Section ,10 of the
  Guaranty shall be null and void and of no further force and effect,

         This Addendum made and entered into the dare first above written,


                                GUARANTOR:
-------------------------------


                                             Bruce Thalheimer

                                             LENDER:

                                             BANK OF THE 0ZARKS (CHENAL)


                                             Name:
                                             Title: