Exhibit
10.7

    


    VARIABLE
RATE REVOLVING CREDIT

    PROMISSORY
NOTE

     

    
      	 
      	
              January
      1st, 2002

            
	
              $20,000,000.00

            	
              McMurray,
      Pennsylvania

            


    

    


    FOR VALUE
RECEIVED, Hardy Credit Co., a Pennsylvania business trust (the “Obligor”),
promises to pay to the order of Margaret H. Magerko, Trustee under the
Irrevocable Trust for Margaret H. Magerko and her successors and assigns under
the 1997 Irrevocable Trust for Margaret Hardy Magerko (together with its
successors and assigns, (the “Obligee”), the lesser of (i) the principal amount
of Twenty Million Dollars ($20,000,000), or (ii) the aggregate unpaid principal
amount of all loans (which shall include all cash advances made by Obligee to
Obligor unless expressly provided otherwise in a writing contemporaneous with
any such advance) made by the Obligee to the Obligor on and after the date first
set forth above, payable together with interest paid monthly at Wall Street
Journal Prime minus 2%.

     

    Advances
under this Note are only made when both Obligor and Obligee agree to an increase
in principal.  Neither is under an obligation to do so.

     

    The
principal indebtedness evidenced by this Variable Rate Revolving Credit
Promissory Note (“Note”) shall be payable in full on November 7, 2012 to the
holder of this Note.  All payments to be made in respect of principal
under this Note shall be made in lawful money of the United States of America,
in immediately available funds and by certified check, bank cashier check or
wire transfer, delivered to Obligee at or before the time such payment is due,
in each case without setoff, counterclaim or other deduction of any
nature.

     

    Except as
otherwise expressly provided herein, Obligor hereby waives presentment for
payment, demand, protest and notice of protest, notice of dishonor or default
and all other demands and notices in connection with the delivery, acceptance,
performance, default or enforcement of this Note.

     

    
      
         


      

      
         


        
          

        

      

      
         


      

    


    No delay
on the part of Obligee in exercising any of its powers or rights, or partial or
single exercise thereof, shall constitute a waiver thereof.  The
unenforceability of any provision hereof shall not affect the enforceability of
the remaining provisions hereof.

     

    Obligor
further agrees that in the event Obligee institutes legal proceedings to enforce
this Note, Obligor shall pay, in addition to any principal hereunder due and
unpaid, all costs and expenses of such proceedings, including reasonable
attorneys’ fees.

     

    This Note
shall bind the Obligor and its successors and assigns and the benefits hereto
shall inure to the Obligee and its successors and assigns.

     

    This Note
shall be governed by and construed in accordance with the laws of the
Commonwealth of Pennsylvania.  Obligor consents to the jurisdiction
and venue of the Federal and state courts located in Allegheny or Washington
County, Pennsylvania with respect to any suit arising out of relating to, or
mentioning this Note.

     

    Time is
of the essence of this Note.

     

    IN
WITNESS WHEREOF, intending to be legally bound hereby, Obligor has caused this
Note to be executed and delivered as of the date first above
written.

     

    
      
        
          
            	
                    WITNESS:

                  	 	
                    OBLIGOR:

                  
	 
      	 	 
      
	 
      	 	
                    Hardy
      Credit Co.

                  
	 
      	 	 
      
	
                     /s/ Cheri B. Bomar

                  	 	
                    By:

                  	
                    /s/ Daniel M.
  Wallach

                  


          

        

      

    

     

    
      
         


      

      
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