Document:

EXHIBIT 10.3
                                ESCROW AGREEMENT

     THIS  ESCROW  AGREEMENT made and entered into as of the __th day of ______,
2001,  by  and  between  West  Metro Financial Services, Inc. (the "Company"), a
corporation organized under the laws of the State of Georgia, and First National
Bank  of  Polk  County,  a  national  bank  (the  "Escrow  Agent").

     WHEREAS,  the  Company  intends to offer for sale a minimum of _____ shares
and  a  maximum  of  _____  of  its common stock, _____ par value per share (the
"Shares"),  at a price of $10.00 per share pursuant to the terms of the offering
circular  dated  _________________________  (the  "Offering  Circular")  (such
offering  is  hereinafter  referred  to  as  the  "Offering");  and

     WHEREAS,  the  Company  intends  to enter into stock subscription agreement
substantially  in  the  form  attached  hereto  as  Exhibit A (the "Subscription
Agreements")  with  prospective  shareholders of the Company (the "Subscribers")
pursuant  to which Subscribers would subscribe for Shares by paying the purchase
price  thereof  to  the  Escrow  Agent;  and

     WHEREAS,  under  the  terms of the Subscription Agreements and the Offering
Circular,  the Escrow Agent will (i) release to the Company the funds paid to it
by  the  Subscribers  to the Company, together with any interest earned thereon,
if,  by ________  __,  2001  (unless extended by the Company), subscriptions and
payment  in  full  for  not  less  than  a  specified number of Shares have been
received  and  the  Company  has  obtained  all required regulatory approvals to
commence  business (or has satisfied, or made adequate provision for satisfying,
any  conditions  to  such  approvals),  or  (ii)  return all such funds, without
interest to the Subscribers is the above-reference conditions are not satisfied;
and

     WHEREAS,  the Escrow Agent is agreeable to serving as escrow agent upon the
terms  and  conditions  stated  herein;

     NOW, THEREFORE, in consideration of the mutual covenants and agreements set
forth  herein,  and  for  other good and valuable consideration, the undersigned
hereby  agree  as  follows:

     1.   Agreement  to Become Escrow Agent. Escrow Agent agrees to accept funds
          --------------------------------
          from  the  Subscribers on behalf of the Company and to hold said funds
          until:

               (a)  receipt  of  written  confirmation from the Company that the
          Offering has been terminated prior to the satisfaction of all required
          conditions  to  the  release  of  the  escrowed  funds  to the Company
          ("Notice  of  Termination");

               (b)  receipt  of  written  confirmation  from  the  Office of the
          Comptroller of the Currency that the Company has failed to meet all of
          the  conditions  required to commence business as a national bank, and
          that  preliminary  approval  of  the  Company's  application  has been
          withdrawn  ("Notice  of  Withdrawal");

<PAGE>
               (c) receipt of evidence satisfactory to the Escrow Agent that (i)
          the  Company has not received subscriptions and payment in full for at
          least  _____  Shares  before  the  Offering expiration date (5:00p.m.,
          __________  Georgia time, on ____________________, unless the Offering
          is  extended  pursuant  to the written instructions of the Company for
          additional  periods not exceeding an aggregate of _________ days (i.e.
          until  ____________________),  or (ii) on or before _________________,
          ______, the Company has not obtained all required regulatory approvals
          (or has not satisfied, or made adequate provisions for satisfying, any
          conditions  to  such  approvals);  or

               (d) receipt of (i) written confirmation from the Company that the
          Company  has  received fully paid subscriptions for a minimum of _____
          Shares,  that the Offering has been completed and that the Company has
          obtained  all required regulatory approvals (or has satisfied, or made
          adequate provisions for satisfying, any conditions to such approvals )
          (the  "Bank's  Confirmation  Letter").

     2.   Release of Escrow Funds to Subscribers. If the Escrow Agent receives a
          --------------------------------------
          Notice of Termination,, Notice of Withdrawal or the evidence described
          in  paragraph  1(c)  above,  the Escrow Agent shall promptly refund to
          each  Subscriber,  by  bank  check  drawn  on  the escrow account, all
          collected  funds  received  from  such  Subscriber,  with any interest
          earned.  Escrow  Agent  shall  deliver  all  such refunds to each such
          Subscriber  by  regular mail addressed to the business of home address
          set  forth  on the Subscription Agreement between the Company and such
          Subscriber.

     3.   Release  of  Escrow  Funds  to the Company. At such time as the Escrow
          ------------------------------------------
          Agent  receives the Company's Confirmation Letter, Escrow Agent agrees
          to  release  to  the  Company  the amount of the subscription proceeds
          relating to subscriptions or portions thereof accepted by the Company,
          together  with  any  interest  and  other  earnings  earned  thereon.

     4.   Disputes  Between  Parties;  Indemnification  of  Escrow Agent. In the
          --------------------------------------------------------------
          event  of  a  disagreement between Escrow Agent and the Company or the
          organizers  of  the  Company  (hereinafter  referred  to  as  the
          "Organizers") or in the event of a disagreement between the Company or
          the  Organizers  and  a  Subscriber,  the  Escrow  Agent  may  in  its
          discretion  withhold  action  on its part until directed to proceed by
          written agreement of the parties to end such dispute or by an order of
          a  court of competent jurisdiction; provided, however, that the Escrow
          Agent  may in its discretion deposit the subject matter of the dispute
          with a court of competent jurisdiction. The Company and the Organizers
          agree  to  indemnify  the  Escrow  Agent and hold it harmless from and
          against  any costs and expenses incurred by Escrow Agent in connection

                                        2
<PAGE>
          with any dispute between the Company or the Organizers and Subscribers
          or  in  connection  with  any  dispute  between  Escrow  Agent  and  a
          Subscriber  or actions taken by any third party involving Escrow Agent
          or the monies deposited with Escrow Agent as aforesaid, including, but
          not  limited  to  reasonable  attorneys'  fees. Provided, however, the
          Company  shall not be liable to Escrow Agent as a result of successful
          actions  brought  against Escrow Agent based on Escrow Agent's failure
          to  perform  pursuant  to  the  terms  of  this  Agreement.

     5.   Liability  of Escrow Agent. In performing any of its duties hereunder,
          --------------------------
          Escrow  Agent  shall  not  incur  any liability for damages, losses or
          expenses  except  by its breach of this Agreement or by its negligence
          or  willful  default,  and  it  shall  accordingly  not incur any such
          liabilities  with  respect  to  (a) any action taken or refrained from
          being  taken  in good faith, either with or without advice of counsel,
          with  respect  to  any  question  relating  to  the  duties  or
          responsibilities  of  Escrow  Agent  under  this Agreement, or (b) any
          action  taken  or  refrained  from  being  taken  in reliance upon any
          instrument,  not only as to its due execution, validity, effectiveness
          and/or  its  provisions,  but also as to the truth and accuracy of any
          information  contained  therein  which  Escrow  Agent  in  good  faith
          believes  to  be  genuine  and  to  have  been presented by the proper
          person(s).  Escrow  Agent  shall  not  be  obligated  or  required
          affirmatively  to  commence  any  action  against  the  Company,  any
          Organizer, or any Subscriber or to defend any action that the Company,
          any  Organizer,  a  Subscriber  or  any  other  person  might  bring.

     6.   Removal  of Escrow Agent. Escrow Agent agrees that the Company and the
          ------------------------
          Organizers may remove it as escrow agent hereunder by mutual agreement
          at  any time upon thirty (30) days written notice to Escrow Agent, and
          substitute  an  individual  or  a bank or a trust company therefor, in
          which  event  Escrow  Agent,  upon  receipt of written notice thereof,
          shall  account  for  and  deliver to such substituted escrow agent all
          funds and obligations held by it, less any amounts then due and unpaid
          to  it  for fees and expenses as herein provided for, and Escrow Agent
          shall  thereafter  be  discharged  from  all  liability  hereunder.

     7.   Resignation  of  Escrow Agent. Escrow Agent may resign as escrow agent
          -----------------------------
          hereunder  at  any  time  upon  thirty (30) days written notice to the
          Company  and  the  Subscribers.  The  Company shall select a successor
          escrow  agent.  The  Escrow  Agent,  upon receipt of written notice of
          designation of a successor escrow agent, shall account for and deliver
          to  such  successor escrow agent all funds and obligations held by it,
          less  nay  amounts  then due and unpaid to it for fees and expenses as
          herein  provided, and Escrow Agent shall thereafter be discharged from
          all  liability  hereunder.

     8.   Investment  of  Escrow  Funds  and Interest and Earnings Thereon. Upon
          ----------------------------------------------------------------
          collection  of  each check by the Escrow Agent, the Escrow Agent shall
          invest  the funds in deposit accounts or certificates of deposit which
          are  fully  insured  by  the  Federal Deposit Insurance Corporation or
          another agency of the United States government, federal funds, or such
          other investments as the Escrow Agent and the Company shall agree. The

                                        3
<PAGE>
          Company  shall provide the Escrow Agent with instructions from time to
          time  concerning  in  which  of  the  specific  investment instruments
          described  above the funds deposited on behalf of Subscribers shall be
          invested,  and  the  Escrow  Agent  shall adhere to such instructions.
          Interest  and  other earnings (less fees incurred by the Escrow Agent)
          shall  start  accruing  on  such  funds as soon as such funds would be
          deemed  to  be  available for access under applicable banking laws and
          pursuant  to the Escrow Agent's own banking policies. All interest and
          other  earnings  on  the  escrowed  subscription  proceeds  shall  be
          delivered  to and retained by the Company as set forth in Section 2 or
          Section  3  of  this  Escrow  Agreement.  In  the event any check of a
          Subscriber  is  returned for insufficient funds or other reason to the
          Escrow  Agent  after  deposit  by  Escrow  Agent,  Escrow  Agent shall
          promptly  return  the  check to the Company to take whatever action as
          the  Company  deems  necessary.

     9.   Compensation of Escrow Agent; Liability of the Company and Organizers.
          ---------------------------------------------------------------------
          The  Company  and  the  Organizers  shall  be  jointly  and  severally
          responsible  for the compensation of the Escrow Agent for the services
          provided hereunder. The Company and the Organizers agree to pay to the
          Escrow  Agent  as  fee  at the rate of $ ____ per month per $1 million
          managed.  Such  fee  shall be calculated daily and shall be determined
          based  on  funds  actually  received  from Subscribers. In addition, a
          $20.00  per  check fee will be charged if the escrow account has to be
          refunded  to  Subscribers  pursuant  to  Section  2  of  this  Escrow
          Agreement.  All  of  these  fees  are  payable upon the release of the
          escrowed  subscription  proceeds,  and  the  Escrow  Agent  is  hereby
          authorized to deduct such fees from the escrowed subscription proceeds
          prior to any release thereof; provided, however, that the Escrow Agent
          shall  present  an  updated accounting of such fees to the Company for
          approval  at  least  24  hours prior to deducting them from the escrow
          subscription  proceeds,  and  the  Company  shall consent to the total
          amount of such fees, which consent shall not be unreasonably withheld.

     10.  Notices.  Any  notices  or  items  to  be delivered hereunder shall be
          -------
          deemed  properly  given  or  done if mailed by certified mail, postage
          prepaid,  to  the  parties  at  the  following  designated  addresses:

          If  to  the  Company:

                                   West Metro Financial Services, Inc.
                                   J.  Michael  Womble
                                   President and Chief Executive Officer
                                   P.  O.  Box  705
                                   Dallas,  Georgia  30132

                                        4
<PAGE>
          If to the Escrow Agent:

                                   Larry  Kuglar
                                   President and Chief Executive Officer
                                   First National Bank of Polk County
                                   Cedartown,  Georgia  30125

     11.  Limitations  of  Duties.  The  Escrow Agent undertakes to perform only
          ---------------------
          such duties as are expressly set forth herein and no implied duties or
          obligations  shall  be  read  into  this  Agreement against the Escrow
          Agent.  The  Company  and  the  Organizers hereby acknowledge that the
          status  of Escrow Agent is that of agent only for the limited purposes
          set  forth,  and hereby agree that in making the offering, there shall
          be  no representation or implication that the Escrow Agent, by serving
          as  escrow  agent  hereunder  or  otherwise,  has  investigated  the
          desirability  or  advisability  of  investment  in  the  Shares or has
          approved,  endorsed  or  passed upon the merits of the investment, nor
          shall the name of the Escrow Agent be used in any manner whatsoever in
          connection  with  the  offer  or  sale  of  the  Shares  other than by
          acknowledgement  that  it  has agreed to serve as Escrow Agent for the
          limited  purposes  herein  set  forth.

     12.  Successors  and Assigns. This Agreement shall inure to the benefit of,
          -----------------------
          and  be  binding  upon,  the  parties  hereto  and  their  respective
          successors  and  assigns.

     13.  Governing  Law;  Severability.  This  Agreement shall be construed and
          -----------------------------
          enforced  in  accordance  with  the laws of Georgia. The provisions of
          this  Agreement  are  severable, and the invalidity of any one or more
          provisions  shall  not  be  deemed  to  invalidate  the  remainder.

     14.  Entire  Agreement.  This  Agreement  constitutes  the entire agreement
          -----------------
          between  the  parties  hereto  with  respect  to  the  transactions
          contemplated  herein  with  respect  to  the  escrow  funds  and  its
          supersedes all prior discussions, understandings or agreements between
          said  parties.

     15.  Headings.  The  headings of the sections and paragraphs of this Escrow
          --------
          Agreement are inserted for convenience only and shall not be deemed to
          constitute part of this Escrow Agreement or to affect the construction
          thereof.

                                        5
<PAGE>
     IN  WITNESS WHEREOF, the undersigned have cause this Escrow Agreement to be
signed  by  their respective officers thereunto duly authorized as of this _____
day  of  __________.

                                   COMPANY

                                   WEST  METRO  FINANCIAL  SERVICES,  INC.

                                   By:
                                      ------------------------------------------
                                      J.  Michael  Womble
                                      President and Chief Executive Officer

                                   ESCROW  AGENT

                                   FIRST NATIONAL BANK OF POLK COUNTY

                                   By:
                                      ------------------------------------------
                                      Larry  Kuglar
                                      Chief  Executive  Officer

                                        6
<PAGE>Exhibit 10.4
                                 Promissory Note
--------------------------------------------------------------------------------
WEST  METRO                                          LDK  /  LDK
FINANCIAL  SERVICES       FIRST  NATIONAL  BANK      Loan  Number   1000017797
P.O.  BOX  705            OF  POLK  COUNTY                       ---------------
DALLAS  GA  30132         967 N MAIN STREET          Date   JULY     20  ,  2001
                          CEDARTOWN GA 30125               ---------------------
                                                     Maturity Date JULY 20, 2002
                                                                   -------------
                                                     Loan Amount  $   500,150.00
                                                                  --------------
 BORROWER'S  NAME          LENDER'S  NAME  AND
  AND  ADDRESS                  ADDRESS
"I"  includes  each         "You" means the lender,
borrower above, joint     its Successors and assigns.
and  severally.
--------------------------------------------------------------------------------
For  value  received,  I  promise  to pay to you, or your order, at your address
listed  above  the  PRINCIPAL sum of
                                     -------------------------------------------
FIVE HUNDRED THOUSAND ONE HUNDRED FIFTY AND 00/100    Dollars $   500,150.00
-----------------------------------------------------          -----------------
[ ]  SINGLE  ADVANCE:   I  will  receive  all  of  this  principal  sum  on
       N/A    .  No  additional  advances  are  contemplated  under  this  note.
     ---------
[X]  MULTIPLE  ADVANCE:  The  principal sum shown above is the maximum amount of
     principal I can borrow under this note.  On   07/20/2001   I  will  receive
                                                 --------------
     the amount of $             and future principal advances are contemplated.
                    ------------
     CONDITIONS:  The  conditions for future advances are UPON AGREEMENT BY BANK
                                                          ----------------------
     AND BORROWER
     ---------------------------------------------------------------------------

     ---------------------------------------------------------------------------

     [XX] OPEN  END CREDIT:  You and I agree that I may borrow up to the maximum
             amount  of  principal  more than one time.  This feature is subject
             to all other conditions  and  expires  on   07/20/02      .
                                                       ----------------
     [  ] CLOSED END CREDIT: You and I agree that I may borrow up to the maximum
          only  one  time  (and  subject  to  all  other  conditions).
INTEREST:  I  agree  to  pay  interest on the outstanding principal balance from
     07/02/2001 at the rate of    6.250   % per year until  THE NEXT RATE CHANGE
     ----------                -----------                 ---------------------
     DATE     .
     ---------
[XX] VARIABLE  RATE:  This  rate  may  then  change  as  stated  below.
     [XX] INDEX RATE: The future rate will be  .500 % BELOW  the following index
                                              --------------
     rate:  PRIME INTEREST RATE AS PUBLISHED  DAILY  IN  THE WALL STREET JOURNAL
           ---------------------------------------------------------------------

     ---------------------------------------------------------------------------
     [  ]  NO  INDEX:  The  future  rate  will not be subject to any internal or
           external index.  It  will  be  entirely  in  your  control.
     [XX]  FREQUENCY AND TIMEING:  the  rate on this note may change as often as
                                   DAILY                                       .
               ----------------------------------------------------------------
               A change in the interest rate will take effect
                            ON  THE  SAME  DAY                                 .
               ----------------------------------------------------------------
     [  ]  LIMITATIONS:    During  the  term of this loan, the applicable annual
           interest  rate  will  not  be  more  than     N/A      % or less than
                                                     ------------
                N/A    %.  The  rate  may  not  change  more  than             %
           ------------                                            ------------
           each                      .
                ---------------------
     EFFECT  OF  VAIABLE RATE:  A  change  in  the  interest  rate will have the
     following  effect  on  the  payments:
     [  ]  The  amount of each scheduled         [XX]  The amount of  the  final
           payment will change.                        payment  will  change.
     [  ]                                                                      .
           --------------------------------------------------------------------
ACCRUAL METHOD:  Interest will be calculated on a     360/ACTUAL          basis.
                                                  -----------------------
POST  MATURITY RATE:  I agree to pay interest on the unpaid balance of this note
     owing  after  maturity,  and  until  paid  in  full,  as  stated  below:
     [XX] on the same fixed or variable rate basis in effect before maturity (as
          indicated  above).
     [  ] at  a  rate  equal  to                                               .
                                -----------------------------------------------
[XX]  LATE  CHARGE:  If a payment is made more than   10   days after it is due,
                                                    ------
      I agree to pay a late charge of   10.000 % OF THE PAYMENT WITH A MAXIUM OF
                                      ------------------------------------------
      $50.00  WHICHEVER  IS  LESS.                                             .
      -------------------------------------------------------------------------
[XX]  ADDITIONAL CHARGES:  In addition to interest, I agree to pay the following
      charges  which  [XX]  are  [  ]  are  not included in the principal amount
      above:   $150.00  LOAN  FEE.                                             .
             ------------------------------------------------------------------
PAYMENTS:  I  agree  to  pay  this  mote  as  follows:
[XX]  INTEREST:  I  agree to pay accrued interest QUARTERLY BEGINNING 10/20/2001
                                                 -------------------------------

--------------------------------------------------------------------------------
[XX]  PRINCIPAL:  I  agree  to  pay  this  principal     ON  07/20/2002
                                                     ---------------------------

      --------------------------------------------------------------------------
[  ]  INSTALLMENTS:  I  agree  to pay this note in          payments.  The first
                                                   --------
      payment will be in the amount of $            and will be due            .
                                        ------------               ------------
      A payment of $                will be due                      thereafter.
                    ---------------             --------------------
      The  final  payment of the entire unpaid balance of principal and interest
      will be due                                                              .
                  -------------------------------------------------------------
[  ] If  checked,  and this loan is secured by a first lien on real estate, then
     any  accrued  interest  not  paid  when  due  (whether  due  by reason of a
     scheduled  of payment or due because of lenders demand) will become part of
     the  principal  thereafter,  and will bear interest at the interest rate in
     effect  from  time  to  time  as  provided  for  in  this  agreement.
ADDITIONAL  TERMS:

[  ]  SECURITY: This note is separately  PURPOSE:  The  purpose  of this loan is
secured by (describe separate  document  SHORT TERM WORKING CAPITAL            .
by  type  and  date):                    --------------------------------------
                                         SIGNATURE AND SEALS:IN WITNESS WHEREOF,
                                         I  HAVE  SIGNED  MY NAME AND AFFIXED MY
(This section is for your internal use.  SEAL ON THIS   20  DAY OF   JULY 2001 .
Failure  to  list a  separate  security              -------      -------------
document  does  not  mean the agreement  BY  DOING  SO, I AGREE TO THE TERMS OF
will  not  secure  this  note.           THIS NOTE (INCLUDING THOSE ON PAGE 2).
                                         I HAVE RECEIVED A COPY ON TODAY'S DATE.
                                         WEST METRO FINANCIAL SERVICES INC
Signature of Lender                      /s/ J. Michael Womble            (seal)
                                         ---------------------------------
                                         J. MICHAEL WOMBLE ###-##-####    (seal)
/s/ Larry D. Keith
---------------------------------------  ---------------------------------
LARRY D. KEITH VICE PRESIDENT                                             (seal)
---------------------------------------  --------------------------------

         FORM    4                                                        (seal)
                                         --------------------------------
UNIVERSAL NOTE                                                     (page 1 of 2)
(c)  1984, 1991 BANKERS SYSTEMS. INC., ST. CLOUD, MN 66301 (1-800-397-2341) FORM
UN-GA  1/24/98

<PAGE>
                               FORM  OF  GUARANTY                  Exhibit  10.4
                                    GUARANTY
                                                  CEDARTOWN,   GA
                                                  --------   -------
                                                  (City)     (State)

                                                   JULY   20, 2001
                                                  ------------------

     For  good  and valuable consideration, the receipt and sufficiency of which
are  hereby  acknowledged,  and  to  in-duce  FIRST NATIONAL BANK OF POLK COUNTY
                                              ----------------------------------
(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  WEST METRO FINANCIAL SERVICES 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:_______________________________________________________
               _____and  any  extensions,  renewals  or  replacements  thereof
               (hereinafter  referred  to  as  the  "Indebtedness").
          B.   If this [XX] 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):  WEST  METRO  FINANCIAL  SERVICES,  INC.
                                  ----------------------------------------------
     The  term  "Indebtedness"  as  used  in this guaranty shall not include any
     obligations  entered into between Borrower and Lender after the date hereof
     (including  any  extensions,  renewals or replacements of such obligations)
     for which Borrower meets the Lender's standard of creditworthiness based on
     Borrower's own assets and income without the addition of a guaranty, or for
     which  a  guaranty  is required but Borrower chooses someone other than the
     joint  Undersigned  to  guaranty  the  obligation.

     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 all 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 $ _________________(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 [XX]  unsecured;  [  ] secured by a mortgage or security
agreement  dated  ______________________;  [  ]  secured  by  ________________.

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

                                                     -------------------------

                                                     -------------------------

                                                     -------------------------
     FORM  23                                        "Undersigned" shall refer
                                                     to all persons  who  sign
                                                     this guaranty, severally
                                                     and  jointly.

BANKERS  SYSTEMS.  INC., ST. CLOUD, MN 66301 (1-800-397-2341) FORM M-240 5/20/91
(For  Corporate  Guarantor  use  M-250)                         (page  1  of  2)

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00028-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00028-of-00352.parquet"}]]