CUSIP  No.  19421N 10 0                13D                   Page  7 of 20 Pages


                                    EXHIBIT 10.1
                                    ------------

                             JOINT FILING AGREEMENT


Agreement  dated  as  of  July  __, 2001 by and between Richard H. Langley, Jr.,
an  individual  ("Langley")  and  Langley  Investment  Advisory  Group,  Inc., a
Florida  corporation  ("LIAG").  Langley and LIAG shall collectively be referred
to  as  the  "Parties."

Each  of  the Parties hereto represents to the other Parties that it is eligible
to use Schedule 13D to report its beneficial interest in shares of common stock,
par  value  $0.001,  of  Collaborative Financial Network Group, Inc., a Delaware
corporation,  owned of record by Richard H. Langley, Jr. and  Langley Investment
Advisory  Group, Inc. ("Schedule 13D"),  and  it  will  file  the  Schedule  13D
on  behalf  of  itself.

Each  of  the  Parties  agrees  to  be  responsible for the timely filing of the
Schedule  13D  and  any  and all amendments thereto and for the completeness and
accuracy of the information concerning itself contained in the Schedule 13D, and
the  other  Parties  to  the  extent  it knows or has reason to believe that any
information  about  the  other  Parties  is  inaccurate.


Dated:  July 23,  2001

                           /s/ Richard H. Langley, Jr.
                        --------------------------------------------------------
                        Richard  H.  Langley,  Jr.,  an  individual



                        Langley  Investment  Advisory  Group,  Inc.


                           /s/ Richard H. Langley, Jr.
                        --------------------------------------------------------
                        By:    Richard  H.  Langley,  Jr.
                        Its:   President