EXHIBIT 10.23

             CONSULTING AND LEGAL SERVICES AGREEMENT

     This Agreement is made effective as of the 20th day of June, 2003, and memorializes the oral agreement by

and between Newlan & Newlan, Attorneys at Law, a Texas general partnership consisting of L. A. Newlan, Jr. and

Eric Newlan ("Consultant"), and Covenant Financial Corporation, a Delaware corporation (the "Company").

     WHEREAS, Consultant possesses experience in the field of international and domestic financing,

     domestic and international taxation, Federal and state securities laws, secondary securities trading,

     business acquisitions and dispositions and matters of general and special law; and

     WHEREAS, the Company is a publicly-held company required to file periodic reports pursuant to

     the requirements of the Securities Exchange Act of 1934; and

     WHEREAS, the Company desires advice and guidance relating to the areas of expertise of

     Consultant, as aforesaid; and

     WHEREAS, the Company desires to hire Consultant and Consultant is willing to accept the

     Company as a client.

NOW THEREFORE, in consideration of the mutual covenants herein contained, it is agreed:

     1. The Company hereby engages Consultant to render advice and counsel with respect to law,

corporate organization, corporate finance, business opportunities and taxation. Consultant hereby accepts such

engagement and agrees to render such advice throughout the term of this Agreement.

     2. The services to be rendered by Consultant hereunder shall consist of the following:

          A. Giving advice and counsel on legal compliance by the Company with all securities laws

and regulations and communications laws and regulations applicable to its business, state, federal and foreign;

          B. Giving advice and counsel on legality of corporate business transactions, contracts,

including drafting and, at the Company's request, negotiation of contracts;

          C. Giving advice and counsel on business strategies, corporate finance, secondary trading in

the Company's securities, advice and, at the Company's request, assistance in negotiation and evaluation of mergers,

consolidations and acquisitions, spin-offs, split-ups and other dispositions and re-capitalizations;

          D. Giving advice and counsel on matters of income taxation, domestic and international, and

matters relating to import and export laws and regulations; and

          E. Giving advice and counsel in matters relating to protection and preservation of assets of

the Company, including, without limitation, engaging in litigation in courts in which Consultant is, or reasonably can

be, admitted to practice, and supervising litigation in places where Consultant is not so admitted and cannot

reasonably gain admission to practice.

     3. The term of this Agreement shall be one year.

     4. In consideration of the services to be performed by Consultant, the Company shall issue to

Consultant 300,000 shares of the Company's $.0001 par value common stock, which shares shall be valued at $.10

per share, or $30,000 in the aggregate.

     In addition to the fee payable hereunder, Consultant shall, from time to time during the term of this

Agreement, be reimbursed for costs paid and incurred by Consultant on behalf of the Company for travel, per diem,

lodging, long distance communications, courier services, photocopying and printing. Reimbursement is to be made

on receipt of invoice by the Company.

     5. The Company represents and warrants to Consultant that:

          A. The Company will cooperate fully and timely with Consultant to enable Consultant to

perform its obligations hereunder.

          B. The execution and performance of this Agreement by the Company has been duly

authorized by the Board of Directors of the Company.

          C. The performance by the Company of this Agreement will not violate any applicable court

decree, law or regulation, nor will it violate any provisions of the organizational documents of the Company or any

contractual obligation by which the Company may be bound.

          D. The Company will make its best efforts to file timely all periodic reports required to be

filed by it, pursuant to the provisions of the Securities Exchange Act of 1934, throughout the term of this Agreement.

     6. Until such time as the same may become publicly known, the parties agree that any information

provided to either of them by the other of a confidential nature will not be revealed or disclosed to any person or

entity, except in the performance of this Agreement, and upon completion of Consultant's services and upon the

written request of the Company, any original documentation provided by the Company will be returned to it.

Consultant will not directly or indirectly buy or sell the securities of the Company at any time when it is privy to

non-public information.

     7. All notices hereunder shall be in writing and addressed to the party at the address herein set forth,

or at such other address as to which notice pursuant to this section may be given, and shall be given by personal

delivery, by certified mail (return receipt requested), Express Mail or by national or international overnight courier.

Notices will be deemed given upon the earlier of actual receipt of three (3) business days after being mailed or

delivered to such courier service.

          Notices shall be addressed to Consultant at: Newlan & Newlan, Attorneys at Law

                                        819 Office Park Circle

                                        Lewisville, Texas 75057

          and to the Company at: Covenant Financial Corporation

                                        7635 Jefferson Highway, Suite 306

                                        Baton Rouge, Louisiana 70809

     8. Consultant consents to the placement of the following legend, or a legend similar thereto, on the

certificates representing the shares of Common Stock issued hereunder:

          THESE SECURITIES HAVE BEEN ISSUED IN RELIANCE UPON THE EXEMPTION FROM

          REGISTRATION AFFORDED BY SECTION 4(2) OF THE SECURITIES ACT OF 1933, AS

          AMENDED, AND MAY NOT BE TRANSFERRED WITHOUT AN OPINION OF COUNSEL

          SATISFACTORY TO THE CORPORATION TO THE EFFECT THAT ANY SUCH

          PROPOSED TRANSFER IS IN ACCORDANCE WITH ALL APPLICABLE LAWS, RULES

          AND REGULATIONS.

     9. Miscellaneous.

          A. In the event of a dispute between the parties, both Consultant and the Company agree to

               settle said dispute through the American Arbitration Association (the "Association") at

               the Association's Dallas, Texas, offices, in accordance with the then-current rules of the

               Association; the award given by the arbitrators shall be binding and a judgment can be

               obtained on any such award in any court of competent jurisdiction. It is expressly agreed

               that the arbitrators, as part of their award, can award attorneys fees to the prevailing party.

          B. This Agreement is not assignable in whole or in any part, and shall be binding upon the

               parties, their heirs, representatives, successors or assigns.

          C. This Agreement may be executed in multiple counterparts which shall be deemed an

               original. It shall not be necessary that each party execute each counterpart, or that any one

               counterpart be executed by more than one party, if each party executes at least one

               counterpart.

          D. This Agreement shall be governed by, and construed in accordance with, the laws of the

               State of Texas.

                              COVENANT FINANCIAL CORPORATION

                              (a Delaware corporation)

                              By: /s/ DAVID M. LOFLIN

                                   David M. Loflin

                                   President

                              NEWLAN & NEWLAN

                              (a Texas general partnership)

                              By: /s/ ERIC NEWLAN

                                   Eric Newlan

                                   Partner