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Exhibit 10.10.1

FIRST AMENDMENT TO CREDIT AGREEMENT

        THIS FIRST AMENDMENT TO CREDIT AGREEMENT (the "First Amendment") is made
effective as of the 25th day of September, 2001, between MOVIE GALLERY, INC., a
Delaware corporation (the "Borrower"), and SOUTHTRUST BANK, an Alabama banking
corporation, as Agent (the "Agent"). Capitalized terms used herein but not
defined shall have the meanings as set forth in the Credit Agreement (as
hereinafter defined).

        WHEREAS, pursuant to that certain Credit Agreement dated as of June 27,
2001, among Borrower, Agent, and the other Lender Parties a party thereto (the
"Credit Agreement"), Lenders made available to Borrower, subject to the terms
and conditions thereof, (i) the Revolving Loan in the initial principal amount
of up to Sixty-Five Million and 00/100 Dollars ($65,000,000.00), and (ii) the
Swing Line Loan of up to Five Million and 00/100 Dollars ($5,000,000.00); and

        WHEREAS, Agent and Borrower have agreed to amend the Credit Agreement in
order to amend Section 8.8 of the Credit Agreement, pertaining to Hedge
Agreements, as hereinafter provided.

        NOW, THEREFORE, in consideration of One Dollar ($1.00) and other good
and valuable consideration, the receipt and adequacy of which are hereby
acknowledged, the parties agree that the Credit Agreement is hereby amended as
follows:

        1.    The Credit Agreement is hereby amended by deleting Section 8.8 in
its entirety, and by substituting the following new Section 8.8 in lieu thereof:

        8.8    Interest Rate Protection.    At December 1, 2001, Borrower shall
have entered into or obtained, and Borrower will thereafter maintain in full
force and effect, Hedge Agreements in form and substance reasonably satisfactory
to the Agent the effect of which shall be to fix or limit interest rates payable
by Borrower as to at least thirty-three and one-third percent (331/3%) of all
principal amounts outstanding at such date under all Funded Debt of Borrower and
its Subsidiaries for a period of not less than two (2) years after such date.
Borrower will deliver to the Agent, promptly upon receipt thereof, copies of
such Hedge Agreements (and any supplements or amendments thereto), and promptly
upon request therefor, any other information reasonably requested by the Agent
to evidence its compliance with the provision of this Section.

        2.    As a condition to the effectiveness of this First Amendment:
(a) Borrower shall reimburse the Lender Parties for all of the Lender Parties'
fees and expenses, including, but not limited to, any and all filing fees,
recording fees, and reasonable expenses and fees of the Lender Parties' legal
counsel, incurred in connection with the preparation, amendment, modification or
enforcement of this First Amendment, the Credit Agreement, and any and all
documents executed and delivered in connection herewith or therewith;
(b) Borrower shall execute and deliver to Agent all further documents and
perform all other acts which Agent reasonably deems necessary or appropriate to
perfect or protect its security for the Loans; and (c) Borrower shall have
delivered to Agent such other documentation, if any, as may be requested by
Agent to satisfy Agent that this First Amendment, and all other documents and
instruments executed by Borrower in connection with this First Amendment or in
furtherance hereof have each been duly authorized, executed and delivered on
behalf of Borrower, and constitute valid and binding obligations of Borrower.

        3.    Borrower represents and warrants to Agent that all representations
and warranties given by Borrower in Article VII of the Credit Agreement are true
and correct as of the date hereof, except to the extent affected by this First
Amendment. Borrower represents and warrants to Agent that Borrower is in full
compliance with all of the covenants of Borrower contained in Articles VIII, IX
and X of the Credit Agreement, except to the extent affected by this First
Amendment.

        4.    Except as heretofore or herein expressly modified, or as may
otherwise be inconsistent with the terms of this First Amendment (in which case
the terms and conditions of this First Amendment shall govern), all terms of the
Credit Agreement and all documents and instruments executed and

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delivered in furtherance thereof shall be and remain in full force and effect,
and the same are hereby ratified and confirmed in all respects.

        5.    The undersigned Guarantors execute this First Amendment to
expressly evidence their assent to all the terms of the Credit Agreement and
this First Amendment, and to further acknowledge and agree that the Guaranty
remains in full force and effect and that the "Guaranteed Obligations" under the
Guaranty shall include, without limitation, all obligations of Borrower under
the Credit Agreement, as amended by this First Amendment.

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        IN WITNESS WHEREOF, this First Amendment has been duly executed as of
the day and year first above written.

    BORROWER:
 
 
MOVIE GALLERY, INC.               By:   /s/  J. STEVEN ROY      

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    Its:   Executive Vice President and Chief Financial Officer                
        GUARANTORS:
 
 
M.G.A., INC.               By:   /s/  J. STEVEN ROY      

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    Its:   Executive Vice President and Chief Financial Officer                
        MOVIEGALLERY.COM, INC.               By:   /s/  J. STEVEN ROY      

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    Its:   Senior Vice President and Chief Financial Officer                    
    MOVIE GALLERY FINANCE, INC.               By   /s/  J. STEVEN ROY      

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    Its:   President                         AGENT:
 
 
SOUTHTRUST BANK, as Agent               By:   /s/  STUART JOHNSON      

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    Its:   Commercial Loan Officer

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FIRST AMENDMENT TO CREDIT AGREEMENT