Exhibit 10:36

                           NOTE MODIFICATION AGREEMENT

This Note  Modification  Agreement  is made the 27th day of July,  1999,  by and
between the undersigned  parties with regard to the obligation  described below,
which obligation shall hereinafter be referred to as the "Note".

     Date of Note:   6/16/99       Original Amount of Note  $1,529,784.00
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     Interest Rate:  LSB Prime variable plus .75% (8.50%)
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     Payable:        11 payments of $19,000 beginning 7/16/99 with final payment
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                     of unpaid principal plus accrued interest due June 16,
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                     2000.
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     Security:       See attached Addendum A dated June 16, 1999
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     Principal Balance   $1,521,779.32       Interest Paid To: 7/16/99
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The maker of the Note and  Lexington  State Bank,  the payee  thereof,  mutually
desire to modify and amend the provisions of the Note in the manner  hereinafter
set forth, it being  specifically  understood that except as herein modified and
amended,  the terms and provisions of the Note and any Security Agreement and/or
Deed of Trust granted as security thereto shall remain unchanged and continue in
full force and effect as therein written.

Now  therefore,  for good and  valuable  consideration,  the receipt of which is
hereby acknowledged, the undersigned agreed that the Note is hereby modified and
amended to provide as follows:

     Extend  amortization  schedule at $19,000 monthly through May 16, 2001 with
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     unpaid principal, plus accrued interest due June 16, 2001
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It is mutually  agreed by and between the  parties  hereto that  nothing  herein
contained  shall  impair the  security  now held for the Note,  nor shall waive,
annul, vary or affect any provision, condition, covenant, or agreement contained
in  the  Note  or any  Security  Agreement  of  Deed  of  Trust  securing  same.
Furthermore,  all rights and remedies as to all parties  secondarily  liable for
repayment of the indebtedness evidenced by the Note are hereby reserved.

In witness whereof,  this instrument has been executed by the parties hereto and
delivered on the day and year first above written.

                                        Wellington Hall, Limited

                                        By: /s/ Hoyt M. Hackney, Jr.      (Seal)
                                            ------------------------------
                                            Hoyt M. Hackney, Jr. President
LEXINGTON STATE BANK
                                        By: /s/ William W. Woodruff       (Seal)
                                            ------------------------------
                                            William W. Woodruff, Secretary

                                    Attest: /s/ William W. Woodruff       (Seal)
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                                            William W. Woodruff, Secretary
By: /s/ E. Warren MacKinstry
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    E. Warren MacKinstry                                          Corporate Seal

Its:  Vice President
      -------------------------              Account/Note Number:
                                             Old
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                                             New   3200548-9002
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