Document:

EXHIBIT 10.4

     It is expressly understood that any reference herein to "I" or "We" is to
Pinecrest Investment Group, Inc.

                    (This is a purchase money first mortgage)

     This Mortgage ("Security Instrument") is given on this 9th day of April
1999. The Mortgagor is Pinecrest Investment Group, Inc. ("Borrower"). This
Security Instrument is given to HOPEWELL LAND PARTNERS, LTD., a Florida Limited
Partnership, whose address is Post Office Box 112, Winter Haven, Florida
33882("Lender"). Borrower owes Lender the principal sum of Two Hundred Eighty
Eight Thousand and No/l00's Dollars. This debt is evidenced by Borrower's
Promissory Note ("Note"), dated same date as this Security Instrument, which
provides for monthly payments, with the full debt, if not paid earlier, due and
payable on April 9, 2000. This Security Instrument secures to Lender:

          (A)  The repayment of the debt evidenced by the Note, with interest,
               and all renewals, extensions and modifications;
          (B)  The payment of all other sums, with interest, advanced under
               Paragraph 7 to protect the security of this Security Instrument;
               and
          (C)  The performance of Borrower's covenants, and agreements under
               this Security Instrument and the Note. For this purpose, Borrower
               does hereby mortgage, grant and convey to Lender the following
               described property located in Hillsborough County, Florida.

     The SE 1/4 of the SE 1/4 of Section 20, Township 30 South, Range 22 East,

     Hillsborough County, Florida, less right of way for State Road 640 which
has the address of vacant land on Lithia-Pinecrest Road, Lithia, FL ("Property
Address")

     Together with all improvements now or hereafter erected on the property and
all easements, rights, appurtenances rents, royalties, mineral, oil and gas
rights and profits, water rights and stock, and all fixtures now or hereafter a
part of the property. All replacements and additions shall also be covered by
this Security Instrument. All of the foregoing is referred to in this Security
Instrument as the "Property".

     Borrower covenants that Borrower is lawfully seized of the estate hereby
conveyed and has the right to mortgage, grant and convey the Property that the
Property is unencumbered, except for encumbrances of record. Borrower warrants
and will defend generally the title to the Property against claims and demands,
subject to any encumbrances of record.

     Borrower and Lender covenant and agree as follows:

     1.   Payment of Principal and Interest: Pre-payment and Late Charges.
          Borrower shall promptly pay when due the principal of and interest on
          the debt evidenced by the Note and any prepayment and late charges due
          under the Note.

<PAGE>

     2.   Funds for Taxes and Insurance. Upon demand by Lender, Borrower shall,
          subject to applicable law, pay to Lender on the day monthly payments
          are due under the Note, until the Note is paid in full, a sum
          ("Funds") equal to one-twelfth (1/12) of: (a) Yearly taxes and
          assessments which may attain priority over this Security Instrument;
          (b) Yearly leasehold payments or ground rents on the Property, if any;
          (c) Yearly hazard insurance premiums, and; (d) Yearly mortgage
          insurance premiums, if any. These are called "Escrow Items". Lender
          may estimate the funds due on the basis of current data and reasonable
          estimates for future escrow items. At the inception of this loan
          Lender is not requiring payment of escrow items.

          The funds shall be held in an institution the deposits or accounts of
          which are insured or guaranteed by a federal or state agency, if
          available. Lender shall apply the funds to pay the escrow items.
          Lender may not charge for holding and applying the funds, analyzing
          the account or verifying the escrow items, unless Lender pays Borrower
          interest on the funds and applicable law permits the Lender to make
          such a charge. Borrower and Lender may agree in writing that interest
          shall be paid on the funds. Unless an agreement is made or applicable
          law requires interest to be Paid, Lender shall not be required to pay
          Borrower any interest or earnings on the funds. Lender shall give to
          Borrower without charge, an annual accounting of the funds showing
          credits and debits to the funds and the purpose for which each debit
          to the funds was made.

          The funds are pledged as additional security for the sums secured by
          this Security Instrument.

          If the amount of the funds held by Lender, together with the future
          monthly payments of funds payable prior to the due dates of the escrow
          items, shall exceed the amount required to pay the escrow items when
          due, the excess shall be at Borrower's option, either promptly repaid
          to Borrower or credit to Borrower on monthly payments of funds. If the
          amount of the funds held by Lender is not sufficient to pay the escrow
          items when due, Borrower shall pay to Lender any amount necessary to
          make up the deficiency in one or more payments as required by Lender.

          Upon payment in full of all sums secured by this Security Instrument,
          Lender shall promptly refund to Borrower any funds held by Lender. If
          under Paragraph 19 the property is sold or acquired by Lender, Lender
          shall apply, no later than immediately prior to the sale of the
          property or its acquisition by Lender, any funds held by Lender at the
          time of application as a credit against the sums secured by this
          Security Instrument.

          Lender may require or waive the requirement of payment of escrow for
          any given year.

     3.   Application of Payment. Unless applicable law provides otherwise, all
          payments received by Lender under Paragraph 1 and 2 shall be applied;
          First to late charges due under the Note Second, to pre-payment
          charges due under the Note; Third, to amounts payable under Paragraph
          2; Fourth, to interest due; and last, to principal due.

     4.   Charges; Liens. Borrower shall pay all taxes, assessments, charges,
          fines and impositions attributable to the Property, which may attain
          priority over this Security Instrument, and leasehold payments or
          grounds rents, if any. Borrower shall pay these obligations in the
          manner provided in Paragraph 2, or if not paid in that manner, shall
          pay them on time directly to the person owed payment. Borrower shall
          promptly furnish to Lender all notice of amounts to be paid under this
          paragraph. If Borrower makes these payments directly, Borrower shall
          promptly furnish to the Lender receipts evidencing the payments.

          Borrower shall promptly discharge any lien, including, but not limited
          to, superior mortgages, which has priority over this Security
          Instrument unless Borrower: (A) Agrees in writing to the payment of
          the obligation secured by the lien in a manner acceptable to Lender;
          (B) Contest in good faith the lien by, or defends against enforcement
          of the lien in, legal proceedings which in the Lender's opinion
          operates or prevents the enforcement of the lien or forfeiture of any
          part of the Property; or (C) secures from the holder of the lien an
          agreement satisfactory to Lender subordinating the lien to this

<PAGE>

          Security Instrument. If Lender determines that any part of the
          Property is subject to a lien, which may attain priority over this
          Security Instrument, Lender may give Borrower a notice identifying the
          lien. Borrower shall satisfy the lien or take one or more of the
          actions set forth above within ten (10) days of the giving f the
          notice.

     5.   Hazard Insurance. Borrower shall keep the improvements now existing or
          hereafter erected on the Property insured against loss by fire,
          hazards included within the term "extended coverage" and any other
          hazards for which Lender requires insurance. This insurance shall be
          maintained in the amounts and for the periods that Lender requires.
          The insurance carrier providing the insurance shall be chosen by
          Borrower subject to Lender's approval, which shall not be unreasonably
          withheld.

          All insurance policies and renewals shall be acceptable to Lender and
          shall include a standard mortgage clause. Lender shall have the right
          to hold the policies and renewals. If Lender requires, Borrower shall
          promptly give to Lender all receipts of paid premiums and renewal
          notices. In the event of loss, Borrower shall give prompt notice to
          the insurance carrier and Lender. The Lender .may make proof of loss
          if not made promptly by Borrower.

          Unless Lender and Borrower otherwise agree in writing, insurance
          proceeds shall be applied to restoration or repair of the Property
          damage the restoration or repair is economically feasible and Lender's
          security not lessened. If the restoration or repair is not
          economically feasible Lender's security would be lessened, the
          insurance proceeds shall be applied to the sums secured by this
          Security Instrument, whether or not then due, any excess paid to
          Borrower. If Borrower abandons the Property, but does not answer
          within thirty (30) days a notice from Lender that the insurance
          carrier has offered to settle a claim, then Lender may collect the
          insurance proceeds. Lender may use the proceeds to repair or restore
          the Property or to pay sums secured by this Security Instrument,
          whether or not then due. The thirty (30) day period will begin at the
          time the notice is given.

          Unless Lender and Borrower otherwise agree in writing, any application
          of proceeds to principal shall not extend or postpone the due date of
          the monthly payments referred to in paragraphs 1 and 2 or change the
          amount of the payment. If under paragraph 19 the Property is acquired
          by Lender, Borrower's right to any insurance policies and proceeds
          resulting from damage to the property prior to the acquisition shall
          pass to Lender to the extent of the sums secured by this Security
          Instrument immediately prior to the acquisition.

     6.   Preservation and Maintenance of Property; Leaseholds. Borrower shall
          not destroy, damage or substantially change the Property, allow the
          Property to deteriorate or commit waste. If this Security Instrument
          is; on a leasehold, Borrower shall comply with the provisions of the
          lease, and if Borrower acquires fee title to the Property, the
          leasehold and fee title shall not merge unless Lender agrees to the
          merger in writing.

          No building or other structure or improvement, fixture or personal
          property mortgaged hereby shall be removed or demolished without the
          prior written consent of Lender. Borrower will not make, permit, or
          suffer any alteration of or addition to any building or other
          structure or improvement now or which may hereafter be erected or
          installed upon the Property, C any part thereof, nor will the Borrower
          use, or permit or suffer the use of any of the Property for any
          purpose other than the purpose or purposes for which the same is now
          intended to be used, without the prior written consent of Lender.
          Borrower will maintain Property in good condition and state of repair
          and will not suffer or permit any waste to any part thereof, and will
          promptly comply with all the requirements of federal, state, and local
          governments, or of any departments, divisions or bureaus thereof,
          pertaining to such Property or any part thereof.

     7.   Protection of Lender's Rights in Property; Mortgage Insurance. If
          Borrower fails to perform the covenants and agreements contained in
          this. Security Instrument, or there is a legal proceeding that may
          significantly affect Lender's rights in Property (such as a proceeding
          in bankruptcy, probate or condemnation or to enforce laws or
          regulations), then Lender may do and pay for whatever is necessary to
          protect the value of the Property and Lender's rights in the Property.

<PAGE>

          Lender's actions may include paying any sums secured by a lien, which
          has priority over this Security Instrument, appearing in court, paying
          reasonable attorney's fees and entering on Property to make repairs.
          Although Lender may take action under this paragraph 7, Lender does
          not have to do so.

          Any amounts disbursed by Lender under this paragraph 7 shall become
          additional debt of Borrower secured by this Security Instrument.
          Unless Borrower and Lender agree to other terms of payment, these
          amounts shall bear interest from the date of disbursement at the Note
          rate and shall be payable, with interest, upon notice from Lender to
          Borrower requesting payment.

          If Lender required mortgage insurance as a condition of making the
          loan secured by this Security Instrument, Borrower shall pay the
          premiums required to maintain the insurance in effect until such tie
          as the requirement for the insurance terminates in accordance with
          Borrower's and Lender's written agreement or applicable law.

     8.   Inspection. Lender or its agent may make reasonable entries upon and
          inspections of Property. Lender shall give Borrower notice at the tie
          of or prior to an inspection specifying reasonable cause of the
          inspection.

     9.   Condemnation. The proceeds of any award or claim for damages, direct
          or consequential, in connection with any condemnation or other taking
          or any part of the Property, or for conveyance in lieu of
          condemnation, are hereby assigned and shall be paid to Lender.

          In the event of a total or partial taking of the Property, unless
          Borrower and Lender otherwise agree, the proceeds shall be applied to
          the sums secured by this Security Instrument, whether or not then due,
          with any excess paid to Borrower.

          If the Property is abandoned by Borrower, or is, after notice by
          Lender to Borrower that the condemnor offers to make an award or
          settle a claim for damages, Borrower fails to respond to Lender within
          30 days after the date the notice is given, Lender is authorized to
          collect and apply the proceeds, at its option, either to restoration
          or repair of the Property or to the suns secured by this Security
          Instrument, whether or not then due.

          Unless Lender and Borrower otherwise agree in writing, any application
          of proceeds to principal shall not extend or postpone the due date of
          the monthly payments referred to in paragraphs 1 and 2 or change the
          amount of such payments.

     10.  Borrower Not Released; Forbearance by Lender Not a Waiver. Extension
          of the time for payment or modification of amortization of the sums
          secured by this Security Instrument granted by Lender to any successor

<PAGE>

          in interest of Borrower shall not operate to release the liability f
          the original Borrower or Borrowers successors in interest. Lender
          shall not be required to commence proceedings against any successor in
          interest or refuse to extend time for payment or otherwise modify
          amortization of the sums secured by this Security Instrument by reason
          of any demand made by the original Borrower or Borrower's successors n
          interest. Any forbearance by Lender in exercising any right or remedy
          shall not be a waiver of or preclude the exercise of any right or
          remedy.

     11.  Successors and Assigns Bound; Joint and Several Liability Cosignors.
          The covenants and agreements of this Security Instrument shall bind
          and benefit the successors and assigns of Lender and Borrower subject
          to the provisions of Paragraph 17. Borrower's covenants and agreements
          shall be joint and several. Any Borrower who co-signs this Security
          Instrument but does not execute the Note; (a) is co-signing this
          Security Instrument only to mortgage, grant and convey the Borrower's
          interest in the Property under the terms of this Security Instrument
          (b) is not personally obligated to pay the sums secured by this
          Security Instrument; and (c) agrees that Lender and ay other Borrower
          may agree to extend, modify, forbear or make any accommodations with
          regard to the terms of this Security Instrument or the Note without
          that Borrower's consent.

     12.  Loan Charges. If the loan secured by this Security Instrument is
          subject to a law which sets maximum loan charges, and that law is
          finally interpreted so that the interest or other loan charges
          collected or to be any such loan charge shall be reduced by the amount
          necessary to reduce the charge to the permitted limits and (b) any
          sums already collected from Borrower which exceeded permitted limits
          will be refunded to Borrower, Lender my choose to make this refund by
          reducing the principal owed under the Note, if permitted by law. Or by
          making a direct payment to Borrower. If a refund reduces principal,
          the reduction will be treated as a partial prepayment without any
          prepayment charge under the Note.

     13.  Legislation Affecting Lender's Rights. If enactment or expiration of
          applicable laws has the effect of rendering any provision of the Note
          or this Security Instrument unenforceable according to its terms,
          Lender, at its option, may require immediate payment in full of all
          sums secured by this Security Instrument and may invoke any remedies
          permitted by paragraph 19. If Lender exercises this option, Lender
          shall take the steps specified in the second paragraph of paragraph
          17.

     14.  Notices. Any notice to Borrower provided for in this Security
          Instrument shall be given by mailing it by first class mail unless
          applicable Law request use of another method. The notice shall be
          directed to the Property Address or any other address Borrower
          designates by notice to lender. Any notice to Lender shall be given by
          first class mail to Lender's address stated herein or any other
          address Lender designates by notice to Borrower. Any notice provided
          for in this Security Instrument shall be deemed to have been given to
          Borrower or Lender when given as provided in this paragraph.

<PAGE>

     15.  Governing Law; Severability. This Security Instrument shall be
          governed by federal law and the law of the jurisdiction in which the
          Property is located. In the event that any provision or clause of this
          Security Instrument or the Note conflicts with applicable law, such
          conflict shall not affect other provisions of this Security Instrument
          or the Note which can be given effect without the conflict provision.
          To this end the provisions of this Security Instrument and the Note
          are declared to be severable.

     16.  Borrower's Copy. Borrower does hereby acknowledge receipt of one
          conformed copy of the Note and of this Security Instrument.

     17.  Transfer of the property or a Beneficial Interest in Borrower. If all
          or any part of the Property or any interest in it is sold or
          transferred (or if a beneficial interest in Borrower is sold or
          transferred an Borrower is not a natural person) without Lender's
          prior written consent, lender may, at its option, require immediate
          payment if full of all sums secured by this Security Instrument.

          If Lender exercises this option. Lender shall give Borrower notice of
          acceleration. The notice shall provide a period of not less than 10
          days from the date the notice is delivered or mailed within which
          Borrower must pay all sums secured by this Security Instrument. If
          Borrowers fails to pay these sums prior to the expiration of this
          period, Lender may invoke any remedies permitted by this Security
          instrument without further notice or demand on Borrower.

     18.  Borrower's Right to Reinstate. If Borrower meets certain conditions,
          Borrower shall have the right to have enforcement of this Security
          Instrument discontinued at any time prior to the earlier of: (a) 5
          days (or such other period as applicable law may specify for
          reinstatement) before sale of the Property pursuant to any power of
          sale contained in this Security Instrument. Those conditions are that
          Borrower: (a) pays lender all sums which then would be due under this
          Security Instrument and the Note had no acceleration occurred' (b)
          cures any default of any other covenants or agreements; (c) pays all
          expenses incurred in enforcing this Security instrument, including,
          but not limited to, reasonable attorney's fees; and (d) takes such
          action as Lender may reasonably require to assure that the lien of
          this Security Instrument shall continue unchanged. Upon reinstatement
          by Borrower, this Security Instrument and the obligation secured
          hereby shall remain fully effective as if no acceleration had
          occurred. However, this right to reinstate shall not apply in the case
          of acceleration under paragraphs 13 or 17.

          NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree
          as follows:

<PAGE>

     19.  Acceleration; Remedies. Lender shall give notice to Borrower prior to
          acceleration following Borrower's breach of any covenant or agreement
          in this Security Instrument (but not prior to acceleration under
          paragraphs 13 and 17 unless applicable law provides otherwise). The
          notice shall specify" (a) the default: (b) the action required to cure
          the default; (c) a date, not less than 10 days from the date the
          notice is given to Borrower, by which the default must be cured; and
          (d) that failure to cure the default on or before the date specified
          in the notice may result in acceleration of the sums secured by this
          Security Instrument, foreclosure by judicial proceedings and sale of
          the Property. The notice shall further inform Borrower of the right to
          reinstate after acceleration and the right to assert n the foreclosure
          to reinstate after acceleration and the right to assert in the
          foreclosure proceeding the non-existence of a default or any other
          defense of Borrower to acceleration and foreclosure. If the default is
          not cured on or before the date specified in the notice, or is not
          capable of being cured, Lender at its option may require immediate
          payment in full of all sums secured by this Security Instrument
          without further demand any may foreclose this Security Instrument by
          judicial proceeding. Lender shall be entitled to collect all expenses
          incurred in pursing the remedies provided in this paragraph 19,
          including, but not limited, reasonable attorney's fees and costs of
          title evidence.

     20.  Lender in Possession. Lender in any action to foreclose this mortgage
          shall be entitled to the appointment of a receiver, without notice, as
          a matter or right and without regard to the value of Property, or the
          solvency or insolvency of Borrower or other party liable of the
          payment of the Note and other indebtedness secured by this mortgage.
          Upon acceleration, under paragraph 19 or abandonment of the property.
          Lender, in accordance with law, shall be entitled to enter upon, take
          possession of and mange the Property and to collect the rents of the
          Property including those past due. Any rents collected by lender or
          the receiver shall be applied first to payments of the cost of
          management of the property and collection of tents, including, but not
          limited to, receiver's fees, premiums on receiver's bonds and
          reasonable attorney's fees, and then to the sums secured by this
          Security Instrument.

     21.  Release. Upon payment of all sums secured by this Security Instrument,
          Lender shall release this Security instrument without charge to
          Borrower. Borrower shall pay any recordation costs.

     22.  Attorney's Fees. As used in this Security Instrument and the Note,
          "attorney's fees" shall include, but not be limited to, attorney's
          fees award by an appellate court.

<PAGE>

     BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Security Instrument executed by Borrower and any rider (s)
executed by Borrower.

      Signed, sealed and delivered              Pinecrest Investment Group, Inc.
      in the presence of:
                                                         s/ David B. Howe
                                                         By: David B. Howe
                                                         Its: Chairman

State of Florida
County of Hillsborough

     I hereby certify that on this day, before me, an officer duly authorized n
the state aforesaid and in the county aforesaid to take acknowledgments,
personally appeared David B. Howe, Chairman* to me know to be the person(s)
described in or produced a driver's license as identification, and who executed
the foregoing instrument and acknowledged before that executed the same for the
purpose therein expressed.

     * of Pinecrest Investment group, Inc.

Witness my hand and official seal in the count and state  aforesaid this 9th day
of April, 1999.

                                s/  E. Michelle Yeomans

                                Notary Public, State of Florida
                                E. Michelle Yeomans
                                Printed Name of Notary

                                My commission expires: 8/26/01

<PAGE>
                                 PROMISSORY NOTE
                                 ---------------

             DATED this 9th day of April, 1999, Plant City, Florida.

     1. Borrowers Promise to Pay. In return for the loan that I have received, I
promise to pay. Two Hundred, Eighty-Eight Thousand & No/100's U.S. Dollars.
(This amount is called "principal"), plus interest, to the order of the Lender.
The Lender is HOPEWELL LAND PARTNERS, LTD., a Florida Limited Partnership. I
understand that Lender may transfer this Promissory Note ("Note"). Lender or
anyone who takes this Note by transfer and who is entitled to receive payments
under this Note is called the "Note Holder".

     2. Interest will be charged on unpaid principal until the full amount of
principal has been paid in accordance with the terms of this Note. I will pay
interest at a yearly rate of 12 percent. simple interest. The interest rate
required by this section is the rate I will pay before any default described in
Section 6 of this Note. After default, I will pay the highest interest rate
allowable by law.

     3. Payments

          (A) Time and Place of Payments. I will pay interest only payments
every month. I will make my monthly payments on the 9th day of each month
beginning on May 9, 1999 and a balloon and final payment on the 9th day of
April, 2000. My monthly payments will be applied to interest before principal.
If, on April 9, 2000, I still owe amounts under this Note, I will pay those
amounts in full on that date, which is called the "maturity date". I will make
my monthly payments at Post Office Box 112, Winter Haven, Florida 33892, or at a
different place if required by the Note Holder. In the event I make all payments
timely in the amount indicated, then, my final payment of April 9, 2000, will be
$288,000.60 plus interest.

          (B) Amount of my Initial Monthly Payments. Each of my monthly payments
will be in the amount of U.S. Dollars $32,880.00 This amount represents interest
only and does not include escrows, late fees, or such other obligations which
may be required under the terms of the security instrument.

     4. Borrowers Right to Pre-Pay. I have the right to make payments of
principal at any time before they are due. A payment of principal only is known
as a "pre-payment". When I make a pre-payment. I will tell the Note Holder, in
writing, that I am doing so. I may make a full pre-payment or partial
pre-payments without paying any pre-payment charge. The Note Holder will use all
of my pre-payments to reduce the amount of principal that. I owe under this
Note. If I make a partial pre-payment there will be no changes in the due dates
of my monthly payments unless the Note Holder agrees in writing to those
changes.

     5. Loan Charges. If a law, which applies to this loan and which sets
maximum loan charges, is finally interpreted so that the interest 'or' other
loan charges collected or to be collected in connection with this loan 'exceed
the permitted limits, then:

     (i) Any such loan charge shall be reduced by the amount necessary to reduce
the charge to the permitted limit; and

     (ii) Any sums already collected from me that exceed permitted limits will
be refunded to me. The Note Holder may choose to make this refund by reducing
the principal I owe under this Note or by making a direct payment to me if a
refund reduces principal. The reduction will be treated as a partial
pre-payment.

     6. Borrowers Failure to Pay as Required

          (A) Late Charges for Overdue Payments. If the Note Holder has not
received the full amounts of any monthly payment by the end of 15 calendar days
after the date it is due, I will pay a late charge to the Note Holder. The
amount of the charge will be 5% percent of my overdue payment of principal and
interest. I will pay this late charge promptly but only one on each late
payment.

<PAGE>

          (B) Default. If I do not pay the full amount of each monthly payment
on the date it is due, I will be in default.

          (C) Notice of Default. If I am in default, the Note Holder may send me
a written notice telling me if I do not pay the overdue amount by a certain
date, the Note Holder may require me to pay immediately the full amount of
principal that has not been paid and all the interest that I owe on that amount.
That date must be at least Ten (10) days after the date on which the notice is
delivered or mailed to me.

          (D) No Waiver by Note Holder. Even if, at a time when I am in default,
the Note Holder does not require me to pay immediately in full and as described
above, the Note Holder will still have the right to do so if I am in default at
a later date.

          (E) Payment of Note Holder's Costs and Expenses. If the' Note Holder
has required me to pay immediately in full as described above, the Note Holder
will have the right to be paid back by me for all of its cost, and expenses in
enforcing this Note to the extent not prohibited by applicable law. Those
expenses include, for example, reasonable attorney's fees, including but not
limited to attorney's fees incurred on appeals.

     7. Giving of Notices Unless applicable law requires a different method, any
notice that must be given to me under this Note will be given by mailing it by
First Class Mail to me at 1211 Tech Blvd., Suite 101, Tampa, FL 33619 or a
different address if I give the Note Holder a notice of my different address.

     Unless the Note Holder requires a different method, any notice that must be
given to the Note Holder under this Note will be given by mailing it by First
Class Mail to the Note Holder at the address stated in Section 3(A) above or at
a different address if I am given a notice of that different address.

     8. Obligations of Persons Under this Note. If more than one person signs
this Note, each person is fully and personally obligated to keep all of the
promises made in this Note, including the promise to pay the full amount owed.
Any person who is a guarantor, surety or endorser of this Note is also obligated
to do these things. Any person who takes over these obligations, including the
obligations of a guarantor, surety or endorser of this Note, is also obligated
to keep all of the promise made in this Note. The Note Holder may enforce its
rights under this Note against each person individually or against all of us
together. This means that any one of us may be required to pay all of the
amounts owed under this Note.

     9. Waivers. I and any other person who has obligations under this Note
waive the rights of presentment and notice of dishonor. "Presentment" means the
right to require the Note Holder to demand payment of amounts due. "Notice of
Dishonor" means the right to require the Note Holder to give notice to other
persons that amounts due have not bee

     10. Other provisions Requiring Immediate Payment The Security Instrument
describes how and under what conditions I am to be required to make immediate
payment in full of all amounts I owe under this Note. One of those conditions is
described as follows:

          Transfer of the Property or a Beneficial Interest in Borrower. If all
of any part of the property or any interest in it is sold or transferred (or if
a beneficial interest in Borrower is sold or transferred and Borrower is not a
natural person) without Lender's prior written consent, Lender may, at its
option, require immediate payment in full of all sums secured by this Security
Instrument.

          If Lender exercises this option, Lender shall give Borrower notice of
acceleration. The notice shall provide a period of not less than Ten (10) days
from the date the notice is delivered or mailed within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies
permitted by the Security Instrument without further notice of demand on
Borrower.

WITNESS the hand(s) and seal(s) of the undersigned.

PINECREST INVESTMENT GROUP, INC.

S/ David B. Howe (Borrower)
By: David B. Howe
Its: ChairmanEXHIBIT 10.5

                              EMPLOYMENT AGREEMENT
                              --------------------

     THIS AGREEMENT made as of this 22nd day of November, 1999, between
Pinecrest Investment Group. Inc. (PNCR-OTCBB), a Florida corporation
(hereinafter sometimes called the "Employer"), having its corporate offices
located at 1201 Tech Blvd., Suite 101, Tampa, Florida 33619, principal place of
business and Thomas M. Tillman, whose mailing address is P.O. Box 205, Lithia,
Florida 33547 (hereinafter sometimes called the "Employee").

     WHEREAS, the Employee and Employer desire to set forth in writing their
contract with respect to Employee's employment by Employer;

     NOW, THEREFORE, in consideration of their mutual promises set forth herein,
the parties hereby agree as follows:

     1.   EMPLOYMENT. Employer hereby employs Employee, and Employee hereby
          accepts such employment, upon the terms and conditions set forth in
          this Agreement.

     2.   DUTIES AND AUTHORITIES.

          A.   Employee will occupy the position of President and Chief
               Operating Officer (hereinafter referred to as "Position" or
               "Assignment") with the Employer's wholly owned subsidiary known
               as PINECREST FARMS, INC. (hereinafter referred to as
               "Subsidiary").
          B.   Employee agrees to devote full business time equal to at least a
               40-hour business workweek while this agreement is in effect,
               dedicating all attention, skill and effort to the faithful
               performance of this agreement.
          C.   Employee will not, during the term of this Agreement, directly or
               indirectly engage in a like or similar business as that of
               Employer, either as an employee, employer, or consultant,
               principal, corporate officer, or in any other capacity, whether
               or not compensated, without the prior written consent of
               Employer.

     3.   TERM OF EMPLOYMENT. The term of employment shall be for a period of 5
          years beginning November 22, 1999 and continue to November 21, 2004
          (hereinafter called the "Initial Term"). After the Initial Term, this
          Agreement shall be extended automatically for successive periods of
          one year each upon the same terms and conditions set forth in this
          contract, or other terms and conditions as the parties hereto shall
          agree, unless this Agreement is terminated by either party as herein
          provided.

     4.   COMPENSATION. Employee will receive compensation during the term of
          this Agreement as follows:

          A.   BASE SALARY. An Annual Base Salary (hereinafter "Annual Base
               Salary"), of $120,000 payable bi-weekly.

          B.   BONUSES/INCENTIVE PAY. Employee shall earn a bonus, on a pro-rata
               basis, for meeting the Revenues, Gross Profit and Gross Net
               Operating Profit guideline indicated in Exhibit A attached hereto
               and made a part hereof. Thresholds shall be calculated pursuant
               to GAAP (Generally Accepted Accounting Principles) and as
               indicated in Exhibit A except that Gross Net Operating Profit
               shall be calculated as follows: Gross Net Operating Profit shall
               be the Net Profit before federal, state and local income taxes,
               determined in accordance with GAAP and adjusted to exclude: (i)
               any bonus or incentive payments paid to officers, directors,
               and/or stockholders; (ii) any extraordinary gains or losses
               (including, but not limited to, gains or losses in disposition of
               assets); (iii) any deficiency of federal and state income taxes
               paid in a prior year; and (iv) depreciation. The Bonus shall be
               calculated within thirty days after the end of each quarter.
               One-half of the Annually Disbursable Bonus shall be disbursed to
               Employee within forty-five (45) days after the end of the
               quarter, and the remaining one-half shall be disbursed within
               ninety (90) days after the end of the fiscal year. The Accrued
               Bonus shall be disbursed within 90 days after the end of the 60th
               month from the inception of this Agreement or as otherwise
               indicated in this Agreement.

                                       1
<PAGE>

          C.   PENSION AND PROFIT SHARING. The Employee shall be entitled to
               participate in any pension or profit sharing plan, or other type
               of plan adopted by the Employer for the benefit of its officers.
               If the corporation establishes more than one plan, Employee may
               choose the plan in which to participate.
          D.   SEVERANCE PAY. In the event of termination of this Agreement for
               any reason other than those set forth in Paragraph 12.A. below,
               or if Employer breaches, or attempts to breach this Agreement,
               Employer shall pay Employee the sum of (a) the Annual Base Salary
               of $120,000, plus (b) an amount equal to the total Annually
               Disbursable Bonus/Incentive Pay paid or payable in the
               immediately preceding quarter multiplied by a factor of 4, plus
               (c) all Accrued Bonus accrued through the date of termination.
               The Severance Pay shall be paid in cash within 30 days.

     5.   DEFERRED COMPENSATION. The Employee shall be entitled to participate
          in any deferred compensation plan adopted by the Employer for the
          benefit of its officers.

     6.   RELOCATION. In the event Employee is transferred and assigned to a new
          principal place of work located more than fifty (50) miles from
          Employee's residence, Employer will pay for all reasonable relocation
          expenses including:
          a.   Transportation fares, meals, and lodging for Employee, his
               spouse, and family from Employee's residence to any new residence
               located near the new principal place of work.
          b.   Moving of Employee's household goods and the personal effects of
               Employee and Employee's family from Employee's residence to the
               new residence.
          c.   Lodging and meals for Employee and Employee's family for a period
               of not more than sixty (60) consecutive days while occupying
               temporary living quarters located near the new principal place of
               work.
          d.   Round trip travel expenses and lodging expenses for Employee's
               family for no more than two (2) house hunting trips to locate a
               new residence, each trip not to exceed fourteen (14) days; and
          e.   Expenses in connection with the sale of the residence of Employee
               including realtor fees, mortgage prepayment penalties, termite
               inspector fees, title insurance policy and revenue stamps, escrow
               fees, fees for drawing documents, state or local sales taxes,
               mortgage discount points (if in lieu of a prepayment penalty),
               and seller's attorneys fees. At the option of Employee and in
               lieu of reimbursement for these expenses, Employee may sell the
               residence of Employee to the Employer at the fair market value of
               the residence determined by an appraiser chosen by the Employer.
               The appraisal will be performed within ten (10) days after notice
               of transfer and notice of appraised value will be submitted by
               report to Employee. Employee will have the right to sell the
               residence to the Employer at the appraised price by giving notice
               of intent to sell within thirty (30) days from the date of the
               appraisal report. The term "residence" shall mean the property
               occupied by Employee as the principal residence at the time of
               transfer and does not include summer homes, multiple-family
               dwellings, houseboats, boats, or airplanes but does include
               condominium or cooperative apartment units and duplexes (two
               family) occupied by Employee.

     7.   MEDICAL, DENTAL, AND OTHER INSURANCE. At its sole cost and expense,
          Employer agrees to include Employee and Employee's family in the group
          medical, dental, hospital and disability insurance plans of Employer,
          when such plans are established and will provide group life insurance
          for Employee in the amount of not less than $100,000. Said life
          insurance policy shall then remain in effect for the remainder of the
          term of the Agreement. In the event that the Employer does not
          establish such plans for the benefit of its employees, Employer shall
          reimburse Employee for a private health benefits and disability
          package that is at least as comprehensive as the benefits that
          Employee currently has in place.

     8.   LEAVE.
          A.   VACATION. Employee shall be entitled to three (3) weeks of paid
               vacation each year during this agreement. Employee and Employer
               shall mutually agree upon the time for the vacation. If vacation
               is not taken, for the benefit of the Employer, Employee shall be
               reimbursed at his base salary rate for time not taken.

                                       2

<PAGE>

          B.   HOLIDAYS. The Employee will be entitled to nine (9) paid holidays
               each year as follows: New Years Day, Presidents Day, Employee's
               Birthday (March 27), Memorial Day, Independence Day, Labor Day,
               Thanksgiving Day, the Friday following Thanksgiving Day, and
               Christmas Day. Additional holidays may be allowed in connection
               with holidays which fall on weekends.
          C.   SICK LEAVE. The Employee shall be allowed up to ten (10) sick
               days per year. Sick days are not cumulative and may not be
               carried from year to year.
          D.   EMERGENCY LEAVE. If a member of the Employee's immediate family
               dies or becomes critically ill, the Employee will be allowed up
               to three days of leave with pay. Additional time may be granted,
               with or without pay, upon approval of the Employer.

     9.   AUTOMOBILE. Employer will pay to Employee an automobile allowance of
          $600 per month plus a gas allowance of $150 per month.

     10.  EXPENSE REIMBURSEMENT. Employee shall be entitled to reimbursement for
          all reasonable expenses, including travel and entertainment, incurred
          by Employee in the performance of Employee's duties. Employee will
          maintain records and written receipts as required by federal and state
          tax authorities to substantiate expenses as an income tax deduction
          for Employer and shall submit vouchers for expenses for which
          reimbursement is made.

     11.  DEATH. In the event that Employee dies during the term of this
          Agreement, this Agreement shall be immediately terminated.

     12.  TERMINATION.
          A.   This Agreement may be terminated upon ten (10) days' notice to
               Employee if: (i) Employee willfully breaches or habitually
               neglects the duties to be performed under Paragraph 2, or engages
               in any conduct which is dishonest or damages the reputation of
               Employer; (ii) an act of God renders impossible performance of
               this Agreement or, (iii) failure of Employer to conduct business
               due to financial inability to maintain its operations.
          B.   This Agreement may be terminated by Employee without cause by
               giving ninety (90) days notice to Employer. Under this provision,
               Employer will have the option of terminating this Agreement at
               any time subsequent to Employee's notice of termination to
               Employer. In the event Employer decides to terminate this
               Agreement prior to expiration of said 90 day period provided for
               above, Employer shall only be liable to employee for compensation
               under this Agreement up to the date that employee no longer
               provides service to employer.
          C.   In the event employment is terminated pursuant to subparagraph A
               or B, Employee will be entitled to only base salary compensation
               earned prior to the date of termination as provided for in
               Paragraph 4 of this agreement computed pro rata up to and
               including the date of termination, and any earned incentive
               salary payments, or the deferred compensation payments provided
               for in Paragraph 4.B and 5, respectively.
          D.   In the event Employer is acquired, is a non-surviving party in a
               merger, or transfers substantially all of its assets, this
               agreement shall not be terminated and Employer agrees to take all
               actions necessary to assure that the transferee or surviving
               company is bound by the provisions of this agreement.
          E.   In the event of termination of this Agreement for any reason
               other than those set forth in subparagraph A or B above, or if
               Employer breaches, or attempts to breach this Agreement, Employer
               shall pay Employee the Severance Pay as set forth in paragraph
               4.E above.

     13.  NOTICES. Any notice provided for in this agreement shall be given in
          writing. Notices shall be effective from the date of service, if
          served personally on the party to whom notice is to be given or on the
          second day after mailing, if mailed by first class mail, postage
          prepaid. Notices shall be properly addressed to the parties at their
          respective addresses or to such other address as either party may
          later specify by notice to the other.

                                       3

<PAGE>

     14.  ENTIRE AGREEMENT. This Agreement contains the entire agreement and
          supersedes all prior agreements and understanding, oral or written,
          with respect to the subject matter hereof. This Agreement may be
          changed only by an agreement in writing signed by the party against
          whom any waiver, change, amendment or modification is sought.

     15.  WAIVER. The waiver by either party of a breach of any of the
          provisions of this Agreement by the other party shall not be construed
          as a waiver of any subsequent breach.

     16.  GOVERNING LAW: VENUE. This Agreement shall be construed and enforced
          in accordance with the laws of the State of Florida, Hillsborough
          County, Florida, shall be proper venue for any litigation arising out
          of this Agreement.

     17.  PARAGRAPH HEADINGS. Paragraph headings are for convenience only and
          are not intended to expand or restrict the scope or substance of the
          provisions of this Agreement.

     18.  ASSIGNABLIITY. The rights and obligations of the Employer under this
          Agreement shall inure to the benefit of and shall be binding upon the
          successors and assigns of the Employer. This Agreement is a personal
          employment agreement and the rights, obligations and interests of the
          employee hereunder may not be sold, assigned, transferred, pledged or
          hypothecated.

     19.  SEVERABILITY. If any provisions of this Agreement is held by a court
          of competent jurisdiction to be invalid or unenforceable, the
          remainder of the Agreement shall remain in full force and shall in no
          way be impaired.

     20.  ARTITRATION. Any controversy or claim arising out of or relation to
          this contract, or breach thereof, shall be settled by arbitration in
          accordance with the Rules of the American Arbitration Association and
          judgment upon the award rendered by the arbitrators may be entered in
          any court having jurisdiction thereof.

     21.  LITIGATION. In the event of any litigation for the enforcement of this
          agreement, or collection of the obligations evidenced hereby, the
          prevailing party shall be entitled to recover costs and expenses of
          such action, including reasonable attorneys' fees, from the
          non-prevailing party.

IN WITNESS WHEREOF,  the parties have executed this Agreement as of the 22nd day
of November 1999.

                                            EMPLOYEE:

/s/  Sheryl Salvadore                        /s/  Thomas M. Tillman
------------------------------------        ------------------------------------
                                                  Thomas M. Tillman

------------------------------------
        Witnesses

                                            EMPLOYER:

                                            PINECREST INVESTMENT GROUP. INC.
                                            a Florida Corporation
Attested:

/s/  Sheryl Salvadore                       By:  /s/  David B. Howe
------------------------------------             -------------------------------
Secretary                                             David B. Howe, CEO

                                       4

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