DEMAND PROMISSORY NOTE

$5,000                                            JANUARY 16, 1998


FOR VALUE RECEIVED, the undersigned, Songs for the Planet, Inc., a Tennessee 
corporation, of 2831 Dogwood Place, Nashville, Tennessee 37204, promises to 
pay to the order of Owen & Associates, Inc. Profit Sharing Plan, at 11011 
King Street, Suite 260, Overland Park, Kansas  66210  or such other place as 
the holder may designate in writing to the undersigned, the principal sum of 
Five Thousand Dollars ($5,000), together with interest thereon from date 
hereof until paid, at the rate of Ten Percent (10%) per annum.  The entire 
principal amount shall be payable on demand.

Payments shall be applied first to accrued interest and the balance to 
principal.

All or any part of the aforesaid principal sum may be prepaid at any time and 
from time to time without penalty.

In the event of any default by the undersigned in the payment of principal or 
interest when due or in the event of the suspension of actual business, 
insolvency, assignment for the benefit of creditors, adjudication of 
bankruptcy, or appointment of a receiver, of or against the undersigned, the 
unpaid balance of the principal sum of this promissory note shall at the 
option of the holder become immediately due and payable.

The maker and all other persons who may become liable for the payment hereof 
severally waive demand, presentment, protest, notice of dishonor or 
nonpayment, notice of protest, and any and all lack of diligence or delays in 
collection which may occur, and expressly consent and agree to each and any 
extension or postponement of time or payment hereof from time to time at or 
after maturity or other indulgence, and waive all notice thereof.

In case suit or action is instituted to collect this note, or any portion 
hereof, the maker promises to pay such additional sum, as the court may 
adjudge reasonable, attorneys' fees in said proceedings.

This note is made and executed under, and is in all respects governed by, the 
laws of the State of Kansas.

                                             SONGS FOR THE PLANET, INC.


                                            BY_______________________________
                                               ELIZABETH A. PETERS, PRESIDENT