EXHIBIT 10.18

                              CONTINUING GUARANTY
                            (INDIVIDUAL GUARANTOR)
                                        
SAFECO

Name and Address of Guarantor:                     Name and Address of Creditor:
Doreen M. Chiu                                     SAFECO Credit Company, Inc.
46970 Ocotillo Ct.                                 Northwest Division
Fremont, California 94538                          4909 156th Ave NE
                                                   Redmond, WA 98052-6664

The undersigned ("Guarantor") requests that SAFECO Credit Company, Inc.
("Creditor") extend credit or other financial accommodations to ATG Inc. dba
Allied Technology Group ("Debtor")

In consideration of this extension of credit or financial accommodation, and
other good and valuable consideration, receipt and sufficiency of which is
acknowledged, Guarantor, as primary obligor and not endorser, absolutely and
unconditionally guarantees the full and prompt payment when due of all present
and future obligations of Debtor to Creditor, howsoever created, direct or
indirect, absolute or contingent, now existing or hereafter arising, due or to
become due, whether the obligations represent principal, interest, rent, late
charges, indemnities, an accelerated balance, liquidated damages, a deficiency
after sale or other disposition of leased equipment or collateral, or other sums
owing to Creditor (all such obligations being hereafter referred to as the
"Indebtedness"). Guarantor further agrees to pay all costs and expenses of every
kind and nature, including without limitation, attorney fees (incurred with or
without litigation and in bankruptcy proceedings), out-of-pocket expenses and
court costs, paid or incurred by Creditor in attempting to collect the
indebtedness and in enforcing, preserving or interpreting this "Guaranty".

This is a continuing guaranty. Creditor may from time to time grant credit or
other financial accommodations to Debtor without further notice to Guarantor.
The Guaranty shall remain in full force and effect until Guarantor delivers to
Creditor written notice revoking the Guaranty as to Indebtedness incurred after
receipt of the written notice, but the revocation shall not affect any
Indebtedness incurred prior to receipt of the notice. The execution of this
Continuing Guaranty shall not extinguish, release or waive any obligations,
promises or guarantees contained in any guaranty previously executed by
Guarantor.

Guarantor represents and warrants to Creditor that: (a) Guarantor has the legal
capacity and power to enter into this Guaranty and perform its obligations
hereunder, and (b) this Guaranty constitutes the valid, binding and enforceable
obligation of Guarantor in accordance with its terms.

Guarantor waives notice of acceptance of this Guaranty by Creditor and all
notices and demands of any kind to which Guarantor may be entitled, including
without limitation, all demands for payment and notices of nonpayment,
presentment, protest, notice of protest, and dishonor and notice of disposition
of collateral under UCC 9-504. Guarantor further waives any defense arising by
reason of the disability of Debtor, any lack of authority of Debtor with respect
to the Indebtedness, the invalidity, illegality or lack of enforceability of the
indebtedness, the failure of Creditor to acquire tide to any leased equipment or
a security interest in any collateral or to perfect or maintain any interest
therein or the loss or impairment of the liability of Debtor. Payment of any
sums now or hereafter owing to Guarantor by Debtor is hereby subordinated in
right of payment to the payment of the Indebtedness.

Without notice to or consent of Guarantor, and without affecting the obligations
of Guarantor under this Guaranty, Creditor may from time to time (a) change the
terms of the Indebtedness with the concurrence of Debtor, including but not
limited to, renewal, extension, refinancing, modification of the interest rate
or change in the manner or place of payment; (b) accelerate the maturity of, or
release or compromise, any Indebtedness, or release any guarantor or release or
impair any security for this Guaranty or the Indebtedness; (c) proceed against
the Guarantor for payment of any Indebtedness without first proceeding against
the Debtor or any other guarantor or any security for the indebtedness; (d)
abstain from taking any action or exercising any right against Debtor, the
security or any other guarantor. The rights of Creditor are cumulative and shall
not be exhausted by exercise of any rights against Guarantor or Debtor until all
Indebtedness has been paid.

The obligations of each Guarantor shall be joint and several, binding upon their
respective heirs, personal nonrepresentatives, successors and assigns and inure
to the benefit of the successors and assigns of Creditor. If legal action is
taken to enforce this Guaranty, such action may be maintained separately or
joined with an action against Debtor or any other Guarantor of Debtors
obligations.

If a claim is made upon Creditor at any time for repayment of any amounts
received by Creditor from any source on account of any Indebtedness and Creditor
repays or becomes liable to repay such claim by reason of any judgment or order
of any court or administrative body, or any settlement or compromise thereof,
Guarantor shall be liable to Creditor hereunder for such amounts to the same
extent as Guarantor would have been liable to Creditor if such amounts had never
been received by Creditor, notwithstanding the termination of this Guaranty or
the cancellation of any note or other instrument evidencing any indebtedness of
Debtor.

This writing is intended by the parties to be an integrated and final expression
of this Guaranty agreement and also is intended to be a complete and exclusive
statement of the terms of that agreement. No course of prior dealing between the
parties, no usage of trade and no parol or extrinsic evidence of any nature
shall be used to supplement, modify or vary any of the terms of this Guaranty.
If any provision of this Guaranty is in conflict with any applicable statute,
rule or law, such provision shall be deemed to be null and void to the extent it
is in conflict, but without invalidating any other provision of this Guaranty.
There are no conditions to the full effectiveness of this Guaranty.

Any notice or demand required or permitted to be given by Creditor to Guarantor
may be given by first class mail postage prepaid or overnight delivery to
Guarantor at the address shown above until Guarantor advises Creditor of a
different address in writing.

GUARANTOR UNCONDITIONALLY WAIVES ITS RIGHTS TO A JURY TRIAL OF ANY CLAIM OR
CAUSE OF ACTION BASED UPON OR ARISING OUT OF THIS GUARANTY, THE INDEBTEDNESS, OR
ANY DEALINGS BETWEEN GUARANTOR AND CREDITOR RELATING TO THIS GUARANTY.

This Guaranty shall be governed by and construed in accordance with the internal
laws (without applying the conflicts of law rules) of the State of California.


                   May 20th, 1997
- -----------------------------------------------
                   Date


Guarantor: _________________________________
                   Frank Y. K. Chiu

Witness:  __________________________________