Exhibit 20.1

                                PROMISSORY NOTE

US$189,631.58                                                  November 17, 1998

      FOR VALUE RECEIVED, the undersigned, WORLDWIDE DATA, INC., together with
its affiliates and assigns (the "Debtor"), by this Promissory Note (this
"Note"), absolutely and unconditionally promises to pay to BRONSON B. CONRAD
(the "Payee"), in lawful money of the United States of America the principal sum
of One Hundred Eighty-Nine Thousand Six Hundred and Thirty-One Dollars and Fifty
Eight Cents (US$189,631.58), together with accrued interest on the unpaid
principal balance of this Note from the date hereof until paid at the rate of
ten percent (10%) per annum. Interest shall be computed on the basis of a 360
day year and shall be payable in cash upon payment of principal. The principal
hereof and the interest thereon shall be due and payable on demand. Payments
shall be made to the Payee at the address to which notices to the Payee are to
be made hereunder, or at such other place as the Payee may from time to time
designate in writing. This Note is the Promissory Note referred to in the Stock
Purchase Agreement by and between Debtor and Payee of even date herewith.

      This Note is made and delivered in New York, New York.

      The Debtor hereby reserves the right to prepay the indebtedness evidenced
by this Note, in whole or in part, at any time without penalty or premium, upon
the payment of principal and interest.

      The delay or failure to exercise any right hereunder shall not waive such
right. The undersigned hereby waives notice of protest, any and all delays or
lack of diligence in collection hereof and assents to each and every extension
or postponement of the time of payment or other indulgence.

      This Note shall be governed by and construed and interpreted in accordance
with the laws of the State of New York.

      IN WITNESS WHEREOF, the Debtor has caused this Note to be executed and its
seal affixed hereunto by its duly authorized officers the day and year first
above written.

                                        WORLDWIDE DATA, INC


                                        By:  /s/ [ILLEGIBLE]
                                             -------------------
                                             Name:
                                             Title:

Attest:
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       Name:
       Title: