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                                                                   EXHIBIT 10.11

                                 PROMISSORY NOTE

Independence, Ohio JANUARY 5 , 2004 $ 200,00.00 NINETY ONE (91) DAYS AFTER DATE,
THE UNDERSIGNED (JOINTLY AND SEVERALLY, IF MORE THAN ONE) PROMISES TO PAY TO THE
ORDER OF

                                INDEPENDENCE BANK
                             (herein called "Bank")

TWO HUNDRED THOUSAND AND NO/100 DOLLARS at its office in the City of
Independence, Ohio, with interest after date (on a 360 day basis, but computed
on actual days) at a rate of 2.00% per annum above the best (prime) commercial
rate from time to time in effect at the Bank, payable AT MATURITY . Upon default
I payment of any principal or interest when due, or upon any other default under
the terms of this note, the principal of and unpaid interest on this note shall,
thereafter until paid, bear interest at the rat of two percent (2%) per annum
above the rate provided in this note, for interest prior to maturity, but in no
event shall the rate before or after maturity exceed the maximum rate permitted
by law. Any change in said interest rate shall be effective on the day of such
change in the best rate of the Bank. The payee and all subsequent holders of
this note shall have the right to accelerate maturity and to require collateral
or additional collateral, if the payee or holder shall in good faith deem itself
insecure at any time.

       The undersigned and, if more than one, each of the undersigned, hereby
authorizes any attorney at law to appearing court of record in the State of Ohio
or in any other state or federal district of the United States at anytime or
items after the above sum becomes due, and waive the issuance and service of
process and confess judgment against any one or more of them severally or
jointly in favor of any holder of this note for the amount then appearing due,
together with the costs of suit, and thereupon to release all errors and waive
all rights of appeal and stay of execution. The foregoing warrant of attorney
shall survive any judgment, it being understood that no judgment against less
than all of the undersigned shall bar any subsequent judgment against the others
or any thereof, and that should any judgment be vacated for any reason, the
foregoing warrant of attorney nevertheless may thereafter be used for obtaining
an additional judgment of judgments.

       A. (JURY TRIAL WAIVER) BORROWER AND ANY GUARANTOR, TO THE EXTENT
PERMITTED BY LAW, EACH WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING
ANY DISPUTE, WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE, BETWEEN BANK,
BORROWER AND/OR GUARANTOR ARISING OUT OF, IN CONNECTION WITH, RELATED TO, OR
INCIDENTAL TO THE RELATIONSHIP ESPECIALLY BETWEEN EACH OF THEM AND BANK IN
CONNECTION WITH THIS NOTE OR ANY OTHER AGREEMENT, INSTRUMENT OR DOCUMENT
EXECUTED OR DELIVERED IN CONNECTION THEREWITH OR THE TRANSACTIONS RELATED
THERETO, THIS WAIVER SHALL NOT I ANY WAY AFFECT, WAIVE, AMEND OR MODIFY BANK'S
ABILITY TO PURSUE REMEDIES PURSUANT TO ANY CONFESSION OR JUDGMENT OR COGNOVIT
PROVISION CONTAINED IN THIS NOTE, ANY GUARANTY OF PAYMENT OR ANY OTHER
AGREEMENT, INSTRUMENT OR DOCUMENT RELATED THERETO.

       WARNING--BY SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT
TRIAL. IF YOU DO NOT PAY ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU
WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A COURT CAN BE USED TO COLLECT
FORM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR WHETHER FOR
RETURNING GOODS, FAULTY GOODS, FAILURE ON HIS PART TO COMPLY WITH THE AGREEMENT,
OR ANY OTHER CAUSE.

ADDRESS: 230 WEST MAIN STREET              AMERICAN STONE INDUSTRIES, INC.
         SOUTH AMHERST, OHIO 44001     BY: /s/ Russell Ciphers Sr.
                                           -------------------------------------
LOAN NO. _________________________         RUSSELL CIPHERS SR., PRESIDENT & CEO
DUE      04-05-04

                                  Exhibit 10.11
                                   Page 1 of 1<PAGE>

                                                                   EXHIBIT 10.23

                         AMERICAN STONE INDUSTRIES, INC.

                               PROMISSORY NOTE FOR
                     FIXED RATE COMMERCIAL REAL ESTATE LOAN

$900,000.00                                                   Painesville, Ohio
                                                              October 13, 2003

       FOR VALUE RECEIVED, the undersigned, jointly and severally, promise to
pay to the order of MADISON/ROUTE 20, LLC the principal sum of Nine Hundred
Thousand Dollars ($900,000.00), together with interest thereon at the rate of
ten percent (10%) per annum.

       Interest will be charged and calculated on the basis of a three hundred
sixty (360) day year, on unpaid principal from the date advanced hereunder until
the full amount of principal has been paid. Interest shall be paid monthly in
arrears commencing on the first day of the month following the month in which
this instrument is executed, and continuing on the first day of each month
thereafter.

       Provided, notwithstanding the foregoing, the entire principal due and
owing hereunder together with any accrued interest shall be due and payable in
full, if not sooner paid, on the first annual anniversary of the date hereof,
which is hereinafter referred to as the "Maturity Date".

       This instrument is secured by a Mortgage ("Mortgage") of even date
herewith on certain property located in the Township of Amherst and in the
Township of Brownhelm, County of Lorain and State of Ohio, to which instrument
reference is made for the rights of the holder hereof with respect thereto.

       The occurrence of any one of the following shall constitute an Event of
Default hereunder:

1.     The occurrence of an event of "Monetary Default" as defined hereinbelow,
       or the failure of the undersigned to pay any other monetary obligations
       due and owing hereunder or under the Mortgages executed in connection
       with the making of the Loan evidenced hereby;

2.     The failure of the undersigned to do or perform, or refrain from doing or
       performing, any act or obligation specified herein or in the Mortgages,
       or in any other document relating to the indebtedness evidenced hereby;

3.     Any of the undersigned shall suffer or permit any act providing grounds
       for the entry of an Order for relief under any chapter of the Bankruptcy
       Code;

4.     Any representation or warranty made by any of the undersigned shall prove
       to be untrue, incorrect, or misleading, in any material adverse respect;

                                  Exhibit 10.23
                                   Page 1 of 3

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       any of which shall occur and be continuing upon the passage of: (i) ten
(10) business days after the giving of written notice in the event of any
Monetary Default, or (ii) thirty (30) business days after the giving of written
notice in the event of any other default, and without, in the latter instance,
any affirmative action being undertaken and diligently pursued on the part of
Borrower to the reasonable satisfaction of the holder hereof to affect the cure
thereof.

       A "Monetary Default" shall be defined to mean any of the following
occurrences: (i) non-payment of any amount due under this instrument as and when
due; or (ii) non-payment of real estate taxes as and when due on any of the
property described in the Mortgage of even date herewith.

       The principal indebtedness evidenced hereby may be prepaid at any time,
provided that any prepayment of principal made prior to the third monthly
anniversary of the date hereof shall be accompanied by a prepayment penalty in
an amount equal to three percent (3%) of such principal payment, and any
principal prepaid during the fourth through sixth months following the date
hereof shall be accompanied by a prepayment penalty in an amount equal to two
percent (2%) of the amount of such principal prepayment. Any prepayment of
principal after the sixth monthly anniversary of the date hereof may be made
without prepayment penalty whosoever.

       Upon the happening of any event of Monetary Default, or any other Event
of Default as hereinabove defined, the entire remaining balance of principal and
interest due hereunder shall, at the option of the holder hereof, become
immediately due and payable without further notice or demand whatsoever.

       After a Monetary Default or any other event of default, and failure to
cure within the applicable grace period, if any, the principal amount due
hereunder shall bear interest at a rate ("Default Rate") which is three percent
(3%) per annum in excess of the rate otherwise hereinabove specified.

       In the event that any monthly payment due hereunder is not received on or
before fifteen (15) days after the date on which it is due, the undersigned
shall be required to pay in addition to any other sums otherwise due hereunder a
late charge equal to five percent (5%) of the amount of the payment not received
for each calendar month or portion of a calendar month thereafter during which
such payment remains unpaid.

       The Makers waive demand, presentment for payment, protest, notice of
protest and of non-payment, and any and all lack of diligence or delays in
collection or enforcement of this Note, and expressly consent to any extension
of time of payment hereof, release of any of the security for this Note,
acceptance of other security therefor, or any other indulgence or forbearance,
any of which may be made without notice to any party and without in any way
affecting the personal liability of any party.

       The undersigned agree to pay the holder hereof all costs of collection of
the indebtedness evidenced hereby, including without in any way intending to
limit the generality of the foregoing, reasonable attorney fees incurred in
connection with such collection proceedings.

                                  Exhibit 10.23
                                   Page 2 of 3

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       The Makers further authorize any attorney at law to appear in any court
of record in Lorain County, Ohio or in any other county where the Makers may
reside or do business, after the indebtedness evidenced hereby becomes due by
acceleration or otherwise, and waive the issuing and service of process, and
confess a personal judgment against the Makers jointly and severally in favor of
the holder hereof for the amount then appearing due, together with the costs of
suit, and thereupon to release all errors ad waive all rights of appeal, and
stay of execution. This warrant of attorney to confess judgment shall remain in
full force and effect so long as any portion of the indebtedness evidenced
hereby remains unpaid, and any confession of judgment and subsequent vacation
thereof shall not constitute termination of this warrant of attorney to confess
judgment.

       The term "Makers" as used herein shall include the undersigned and all of
the respective administrators, heirs, successors and assigns, and if more than
one, all Makers shall be jointly and severally liable hereon.

       This Note is to be construed and enforced according to and governed by
the laws of the State of Ohio.

       If any provision of this Note, or any covenant, stipulation, obligation,
agreement, act, or action, or part thereof made, assumed or entered into, or
taken pursuant hereto or in connection herewith shall be adjudged illegal or
invalid, such illegality or invalidity shall not affect any other provision or
any other covenant, stipulation, obligation, agreement, act, or action, or part
thereof, made, assumed, entered into, or taken, each of which shall be construed
and enforced as if such illegal or invalid portion were not contained herein.
Such illegality or invalidity or any application thereof shall not affect any
legal and valid application thereof, and each such provision, covenant,
stipulation, obligation, agreement, act, or action, or part shall be deemed to
be effective, operative, made entered into, or taken in the manner and to the
full extent permitted by law.

       WARNING -- BY SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND
COURT TRIAL. IF YOU DO NOT PAY ON TIME, A COURT JUDGMENT MAY BE TAKEN AGAINST
YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A COURT CAN BE USED TO
COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR
WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO COMPLY WITH THE
AGREEMENT, OR ANY OTHER CAUSE.

                                       AMERICAN STONE CORPORATION
                                       A Delaware Corporation

                                   BY: /s/Russell H. Ciphers, Sr.
                                       -----------------------------------------
                                       Russell H. Ciphers, Sr., President

                                 Exhibit 10.23
                                  Page 3 of 3

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