EXHIBIT 10.9 PROMISSORY NOTE

EXHIBIT 10.9

                                 PROMISSORY NOTE

$31,000                                                    NOVEMBER 14, 1998
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PRINCIPAL                                                   DATE

TEN (10)%                                                  LEXINGTON, KY (U.S.A.)
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INTEREST RATE                                              CITY           STATE

     FOR VALUE RECEIVED,   Equity Au, Inc. and its successor Equity   Technologies
and resources,   inc., (hereinafter "Equity Technology"),   a Delaware Corporation
with its principal   place of business at 1050 Chinoe Rd., Suite 304,   Lexington,
KY 40502,   promises to pay to the order of (Name of Lender) Kentrust,   Inc., (an
Individual   Corporation,   Partnership,   Limited Liability   Company) Frank Dickey
residing   at or with   principal   place of   business   at (Street   Address)   2098B
Candlelight Way. (City) LEXINGTON   (State) KY.   (hereinafter   "Lender"),   at the
address of the Lender or such other place as the holder hereof shall   designate,
the principal   amount of Thirty One Thousand   Dollars,   with interest thereon at
the rate of ten   (10%)   percent   per   annum,   one (1) year from the date of this
Note.   If this   Note is not   paid in full on the   date   payment   is due,   Equity
Technology   shall   pay   interest   at the rate of   twelve   (1