Document:

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                                                                  EXHIBIT 10.32

                                 PROMISSORY NOTE

$61,845.00                                               Oklahoma City, Oklahoma
Dated:  January 25, 2000                           Maturity Date:  July 25, 2001

     FOR VALUE RECEIVED, FULLNET COMMUNICATIONS, INC., an Oklahoma corporation,
with an address of 200 North Harvey, Suite 1706, Oklahoma City, Oklahoma 73102
(the "Maker"), does promise to pay to the order of FULLNET OF TAHLEQUAH, INC.,
an Oklahoma corporation with an address of HC 11 Box 48 1/2 Tahlequah, Oklahoma
74464 (the "Holder"), at such place as may be designated by the Holder of this
promissory note (the "Note"), the principal sum of Sixty-One Thousand Eight
Hundred and Forty-Five and No/100's Dollars ($61,845), at zero percent (0%)
interest per annum. The principal of this Note shall be paid in eighteen monthly
installments, which payments shall begin 30 days after the date of this Note and
shall be in the amount of $3,435.83 per month for the first seventeen (17)
installments, with the final installment payment under the Note finally due and
payable on the Maturity Date set forth above, in the amount of $3,435.83.

     Whenever any payment shall be due under this Note on a day which is not a
"Business Day" (as such term is hereafter defined), the date on which such
payment is due shall be extended to the next succeeding Business Day with the
same force and effect as if made on the date of payment. "Business Day" means a
day other than a Saturday, Sunday or other day on which national banks in
Oklahoma City, Oklahoma are authorized to be closed.

     Capitalized terms used herein which are not otherwise defined shall have
the meaning as described in that certain Asset Purchase Agreement between the
parties dated of even date herewith (the "Asset Purchase Agreement").

     ADJUSTMENT TO NOTE. The principal payable pursuant to the terms of this
Note shall be subject to a downward adjustment upon the occurrence of the
Adjustment Event, as set forth in Section 2.3 of the Asset Purchase Agreement,
which section shall by this reference be incorporated herein for all purposes.

     EVENT OF DEFAULT. Except as set forth in the preceding section, the failure
to pay principal when due shall be an event of default.

     RIGHT OF PREPAYMENT. At any time from the date hereof to the due date, the
Maker may prepay the entire principal sum or any portion thereof, without
penalty or restriction.

     AMENDMENT AND WAIVER. This Note may not be changed, modified or amended, or
terminated, nor may any of its provision be waived, except by an agreement in
writing signed by the party against whom enforcement thereof is sought.

     CHOICE OF LAW. This Note shall be governed by and construed in accordance
with the laws of the State of Oklahoma.

     PROMISES BINDING. This Note shall be binding upon the Maker and its
successors and assigns.

                                  Page 1 of 2
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     IN WITNESS WHEREOF, the Maker has caused this instrument to be duly signed
as of the date first set forth above.

                                     FULLNET COMMUNICATIONS, INC.

                                     By: /s/ TIMOTHY J. KILKENNY
                                         --------------------------------------
                                         Timothy J. Kilkenny, President and CEO

                                  Page 2 of 2<PAGE>
                                                                EXHIBIT 10.33

                              AMENDED AND RESTATED

                                 PROMISSORY NOTE

$50,168                                                 Oklahoma City, Oklahoma
Dated:  February 7, 2000                     Maturity Date:  As set forth below

     This Amended and Restated Promissory Note (the "Note") hereby amends and
restates the promissory note dated February 4, 2000 (the "Promissory Note"), in
the amount of $69,048. This Note in not in payment of the Promissory Note but is
in substitution of the Promissory Note.

     FOR VALUE RECEIVED, FULLNET COMMUNICATIONS, INC., an Oklahoma corporation,
with an address of 200 North Harvey, Suite 1706, Oklahoma City, Oklahoma 73102
(the "Maker"), does promise to pay to the order of DAVID LOOPER, an individual
with an address of P.O. Box 8, Ochelata, Oklahoma 74051 (the "Holder") at such
place as may be designated by the Holder of this Note, the principal sum of
Fifty Thousand One Hundred Sixty Eight Dollars and No/100's Dollars ($50,168),
at eight percent (8%) interest per annum. Principal and interest shall be due
and payable on the Maturity Date which shall be the earlier to occur of (i) the
closing of any private equity placement of Maker's common stock conducted by
Maker in excess of $351,000; (ii) the closing of any underwritten offering of
the Maker's common stock; or (iii) February 4, 2001, in which case the amount of
principal and interest due shall be $54,181.44.

         Whenever any payment shall be due under this Note on a day which is not
a "Business Day" (as such term is hereafter defined), the date on which such
payment is due shall be extended to the next succeeding Business Day with the
same force and effect as if made on the date of payment. "Business Day" means a
day other than a Saturday, Sunday or other day on which national banks in
Oklahoma City, Oklahoma are authorized to be closed.

     Capitalized terms used herein which are not otherwise defined shall have
the meaning as described in that certain Asset Purchase Agreement between the
parties dated of even date herewith (the "Asset Purchase Agreement").

     ADJUSTMENT TO NOTE. The principal and interest payable pursuant to the
terms of this Note shall be subject to a downward adjustment upon the occurrence
of the Adjustment Event, as set forth in Section 2.4 of the Asset Purchase
Agreement, which section shall by this reference be incorporated herein for all
purposes.

     EVENT OF DEFAULT. Except as set forth in the preceding section, the failure
to pay principal when due shall be an event of default.

     RIGHT OF PREPAYMENT. At any time from the date hereof to the due date, the
Maker may prepay the entire principal sum or any portion thereof, without
penalty or restriction.

     AMENDMENT AND WAIVER. This Note may not be changed, modified or amended, or
terminated, nor may any of its provision be waived, except by an agreement in
writing signed by the party against whom enforcement thereof is sought.

                                  Page 1 of 2
<PAGE>

     CHOICE OF LAW. This Note shall be governed by and construed in accordance
with the laws of the State of Oklahoma.

     PROMISES BINDING. This Note shall be binding upon the Maker and its
successors and assigns.

     IN WITNESS WHEREOF, the Maker has caused this instrument to be duly signed
as of the date first set forth above.

                                FULLNET COMMUNICATIONS, INC.

                                By: /s/ TIMOTHY J. KILKENNY
                                    --------------------------------------
                                    Timothy J. Kilkenny, President and CEO

                                  Page 2 of 2<PAGE>
                                                                  EXHIBIT 10.34

                                 PROMISSORY NOTE

$175,000                                                Oklahoma City, Oklahoma
Dated:  February 29, 2000                     Maturity Date:  February 28, 2001

     FOR VALUE RECEIVED, FULLNET COMMUNICATIONS, INC., an Oklahoma corporation,
with an address of 200 North Harvey, Suite 1706, Oklahoma City, Oklahoma 73102
(the "Maker"), does promise to pay to the order of WALLACE L. WALCHER, an
individual, at such place as may be designated by the Holder of this promissory
note (the "Note"), the principal sum of One Hundred Seventy Five Thousand and
No/100's Dollars ($175,000), at eight percent (8%) interest annum. Principal and
interest shall be due and payable on the Maturity Date which shall be the
earlier to occur of (i) the closing of any single funding (whether debt or
equity) obtained by Maker subsequent to the date of this Note in the aggregate
amount of at least $2,000,000; (ii) the closing of any underwritten offering of
the Maker's common stock; or (iii) one year from the date of this Note, in which
case the amount of principal and interest due shall be $189,000.

     Whenever any payment shall be due under this Note on a day which is not a
"Business Day" (as such term is hereafter defined), the date on which such
payment is due shall be extended to the next succeeding Business Day with the
same force and effect as if made on the date of payment. "Business Day" means a
day other than a Saturday, Sunday or other day on which national banks in
Oklahoma City, Oklahoma are authorized to be closed.

     EVENT OF DEFAULT AND RIGHT OF SET-OFF. The failure to pay principal or
interest when due shall be an event of default.

     RIGHT OF PREPAYMENT. At any time from the date hereof to the due date, the
Maker may prepay the entire principal sum or any portion thereof, without
penalty or restriction.

     AMENDMENT AND WAIVER. This Note may not be changed, modified or amended, or
terminated, nor may any of its provision be waived, except by an agreement in
writing signed by the party against whom enforcement thereof is sought.

     CHOICE OF LAW. This Note shall be governed by and construed in accordance
with the laws of the State of Oklahoma.

     PROMISES BINDING. This Note shall be binding upon the Maker and its
successors and assigns.

     IN WITNESS WHEREOF, the Maker has caused this instrument to be duly signed
as of the date first set forth above.

                                   FULLNET COMMUNICATIONS, INC.

                                   By: /s/ TIMOTHY J. KILKENNY
                                       --------------------------------------
                                       Timothy J. Kilkenny, President and CEO

                                   Page 1 of 1

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