PROMISSORY NOTE
$66,531.22     April 15, 1997
I, Mark V. Heitz, residing in Topeka, Kansas ("Maker"), hereby promise to pay
to AmVestors Financial Corporation ("AmVestors"), a Kansas corporation, the
principal sum of sixty six thousand five hundred thirty-one dollars and
twenty-two cents ($66,531.22), together with interest thereon at the Prime
Rate as reported in the Wall Street Journal on April 15, 1997. All outstanding
principal and interest shall be due and payable in full on or before December
31, 1997.
     Maker
     /s/ Mark V. Heitz
     Mark V. Heitz
/note
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