AMERICAN CONSUMERS INC
EXHIBIT 10.21
<DOCUMENT>
<TYPE>EX-10.21
<SEQUENCE>2
<FILENAME>doc9.txt
<DESCRIPTION>EXHIBIT 10.21
<TEXT>


                                 EXHIBIT (10.21)


                       Demand Note with Variable Interest
                          Rate between the Company and
                       Michael A. and Diana K. Richardson


<PAGE>
                                   DEMAND NOTE
                           WITH VARIABLE INTEREST RATE

April 1, 1999                                           Fort Oglethorpe, Georgia

     1.   Loan Agreement.

          This  Loan  Agreement  is  made  and  entered  into  this date between
          American  Consumers,  Inc., a Georgia Corporation (herein after called
          "Company")  and  Michael  A.  Richardson  and  Diana  K.  Richardson.

     2.   Promise  to  Pay.

          On  Demand,  we  promise  to pay to the order of Michael A. Richardson
          and/or  Diana  K.  Richardson  the principal balance of this note with
          interest.  The initial balance of this loan being $96,778.50 with said
          balance being adjusted as payments and/or additional loans are made by
          or  to  the  Company.

     3.   Interest.

          This loan contains a variable rate feature. The annual percentage rate
          may  change  monthly  during  the  term  of  this transaction when the
          Company's  "bank  rate" changes. Monthly interest payments will be due
          and  payable  on  the  10th of each month beginning May 10, 1999 until
          such  indebtedness  evidenced  hereby  is  paid in full. If payment of
          interest  is  not  made,  at  the discretion of the Richardson's, said
          interest amount will be added to the principal balance as of the first
          of  each  month.

     4.   Collateral.

          This loan is unsecured.


          AMERICAN CONSUMERS, INC.           MICHAEL A. & DIANA K. RICHARDSON
                 (BORROWER)                              (LENDER)

          /s/ Paul R. Cook                   /s/ Michael A. Richardson
          ___________________________        ________________________________
          PAUL R. COOK VICE PRESIDENT              MICHAEL A. RICHARDSON


<PAGE>

</TEXT>
</DOCUMENT>
