ARBITRATION AND NOTICE OF FINAL AGREEMENT

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                    ARBITRATION AND NOTICE OF FINAL AGREEMENT

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To:  CONTEMPORARY CONSTRUCTORS, INC.

     19240 Redland Road

     San Antonio, Texas 78259

     (collectively, whether one or more, "Borrower")

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     As  of  the  effective date of this Notice, Borrower and THE FROST NATIONAL

BANK,  a  national banking association ("Lender") have consummated a transaction

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pursuant  to  which  Lender  has  agreed to make a loan or loans to Borrower, to

renew,  increase  and  extend  an  existing  loan or loans to Borrower and/or to

otherwise  extend  credit or make financial accommodations to or for the benefit

of  Borrower,  under a line of credit in an aggregate amount up to $4,550,000.00

and  under a term loan in an aggregate amount up to $1,709,201.51 (collectively,

whether  one  or  more,  the  "Loan").

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                                   ARBITRATION

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Upon  written  request  of  either  Lender or Borrower, any controversy or claim

between  or  among the parties hereto including but not limited to those arising

out  of  or  relating  to  the  Loan,  any  of the loan documents or any related

agreements  or  instruments  executed  in  connection  with  the Loan (the "Loan

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Documents"), including any claim based on or arising from an alleged tort, shall

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be  determined by binding arbitration in accordance with the Federal Arbitration

Act (or if not applicable, the applicable state law), the Commercial Arbitration

Rules of the American Arbitration Association, and the "Special Rules" set forth

below  unless  both  Lender  and  Borrower, in their respective sole discretion,

agree  in  writing  to  mediate  the  dispute  prior  to  submitting  to binding

arbitration. In the event of any inconsistency, the Special Rules shall control.

Judgment  upon  any  arbitration  award  may  be  entered  in  any  court having

jurisdiction.  Any  party  to  this  Agreement  may bring an action, including a

summary  or  expedited  proceeding,  to compel arbitration of any controversy or

claim to which this agreement applies in any court having jurisdiction over such

action.  The  party  that  requests  arbitration  has the burden to initiate the

arbitration  proceedings  pursuant  to  and  by  complying  with  the Commercial

Arbitration  Rules  of  the  American  Arbitration Association and shall pay all

associated  administrative  and  filing  fees.

The  arbitration  shall  be  conducted in the City of San Antonio, Bexar County,

Texas  and administered by the American Arbitration Association. All arbitration

hearings  will  be  commenced  within sixty (60) days of the written request for