EXHIBIT 10.20

                                                        18210 REDMOND WAY
                                                        REDMOND, WA 98052-5090
GREAT WESTERN LEASING                                   P.O. Box 126
Division of Selland Auto Transport, Inc.                REDMOND, WA 98073-0126
                                                        (206) 869-6415

                               GUARANTY AGREEMENT         

                                Lease No. K-541

The undersigned, in consideration of the execution by Great Western Leasing
Division of Selland Auto Transport, Inc., its successors and assigns
("Lessor" herein), of the foregoing Lease Agreement and every Schedule
incorporated therein, jointly and severally guarantee Lessor that the
undersigned will duly perform each and every covenant and obligation, and will
duly and fully pay each and every lease payment and other sums owing under said
Lease Agreement. This guaranty shall be an absolute, direct, continuing, and
unlimited guaranty, and Lessor shall not be bound to exhaust its recourse
against Lessee before being entitled to payment or performance by the
undersigned. Lessor may compound and settle with Lessee, or any one or more
guarantor, or surrender or exchange any security without notice to and without
affecting the obligation of any guarantor. The undersigned agree to remain bound
notwithstanding any extensions of the lease or payment, modification or
subleases, and the undersigned hereby consents thereto.

The undersigned hereby waives all notices, including notice of acceptance hereof
and any demand or notice of nonpayment or nonperformance given by Lessor. The
joint and several obligations and liabilities of the undersigned hereunder shall
survive the death of any or all of the undersigned, and shall be binding on the
estate or successor thereof. The undersigned shall have no right to subrogation
or claim as a result of any payment hereunder until all claims of Lessor under
the lease have been paid.

Address:  46970 Ocotillo Ct. 
          Fremont, CA 94539

Signed:  ___________________________ 
          Frank Chiu

Signed:  ___________________________
          Doreen Chiu

Dated:    September 1, 1994

Witness:  __________________________