Exhibit 10.9



                      John H. Harland Company

                 Supplemental Retirement Agreement


THIS AGREEMENT (the  "Agreement"), dated  as of  January 14,  1999,
between  John  H.  Harland  Company,  a  Georgia  corporation  (the
"Corporation"), and Timothy C. Tuff  (the "Employee").

WHEREAS, the  Employee  serves  as President  and  Chief  Executive
Officer of  the Corporation,  and is  in a  position to  contribute
materially to the continued growth, development and future business
of the Corporation; and

WHEREAS, the Corporation desires to provide supplemental retirement
and life insurance benefits to the Employee, in accordance with the
employment letter dated October 6, 1998;

NOW, THEREFORE, the Corporation and the Employee agree as follows:

A.   Supplemental Retirement Benefits.


(1)  Normal  Retirement  Benefit:     Upon   retirement  from   the
     Corporation after  attaining age  65,  the Employee  shall  be
     eligible to receive from the Corporation an annual benefit  of
     $186,288, payable in  equal monthly  installments of  $15,524,
     for a period of 10 consecutive years.

 (2) Termination Prior  to Age  65:   In the  event the  Employee's
     employment with the  Corporation terminates prior  to age  65,
     for any reason  other than his  death or  disability or  early
     retirement pursuant to  subparagraph (4)  below, and  provided
     that he has completed at least 60 months of continuous  active
     service with  the  Corporation (including  active  service  as
     referred to in the last  sentence of subparagraph (5)  below),
     his vested annual benefit at age 65 will be reduced  according
     to the following vesting schedule:


          Date of Termination of Employment       Annual Benefit


          October 6, 2003 - December 31, 2004          $  36,725
          January 1 - December 31, 2005               44,709
          January 1 - December 31, 2006               53,225
          January 1 - December 31, 2007               62,274
          January 1 - December 31, 2008               93,144
          January 1 - December 31, 2009             108,047
          January 1 - December 31, 2010             128,539
          January 1, 2011 or thereafter             186,288

(3)  Monthly installment payments to the Employee shall commence on
     the first  day  of  the  month  following  the  later  of  the
     Employee's 65th birthday or his termination of employment with
     the Corporation.
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(4)  Early Retirement  Benefit:    If  Employee  retires  from  the
     Corporation after attaining age  62, but prior  to age 65,  he
     shall be entitled to receive, at his option, an annual benefit
     of $91,947,  payable  in  equal monthly  installments,  for  a
     period of 10 consecutive years commencing on the first day  of
     the month following his early retirement.


 (5) Disability:  In the event the Employee becomes disabled  while
     in active  service with  the Corporation,  as defined  by  the
     Corporation's long-term disability  program, prior  to age  65
     and such disability continues until age 65, he shall  commence
     receiving payment of his full normal retirement benefit at age
     65, regardless  of  whether  he has  completed  60  months  of
     continuous active service. If the Employee subsequently ceases
     to be disabled  prior to age  65, he shall  be deemed to  have
     terminated service  with the  Corporation as  of the  date  he
     ceased to  be disabled,  unless he  resumes service  with  the
     Corporation within  30 days  after such  date.   The  Employee
     shall be deemed  to be in  active service  for periods  during
     which he is on permitted leave  of absence not in excess of  2
     years pursuant to  a written agreement  with the  Corporation,
     and for  temporary periods  of  disability, provided  that  he
     returns within 30 days after the termination of such temporary
     disability or permitted leave of absence.

(6)  Death Prior to Age 65:   In the event the Employee dies  while
     in active service (including active service as referred to  in
     the last sentence  of subparagraph  (5) above)  or during  the
     continuation of  any  disability, his  designated  beneficiary
     shall receive  the  supplemental  retirement  benefit  payable
     under this agreement at  the time of  death commencing on  the
     first day  of the  month following  the Employee's  death  and
     continuing for a period of 10 years.

(7)  Death Following  Commencement of  Benefit  Payments:   In  the
     event the  Employee  dies following  commencement  of  monthly
     retirement  benefit  payments   under  this  Agreement,   such
     payments shall continue in the same amount to his  beneficiary
     for the remainder of  the 10 years  for which such  retirement
     benefit payments were payable to the Employee.

(8)  Notwithstanding the  foregoing provisions  of this  Agreement,
     the Corporation, in the discretion of its Board of  Directors,
     and  with  the  concurrence  of  Employee  or  his  designated
     representative or beneficiary, may prepay  all or any part  of
     the benefits under  this Agreement. The  present value of  the
     future payments shall  be determined by  the Corporation.  Any
     prepayment shall be  in full satisfaction  of the  obligations
     hereunder to the recipient to the extent thereof. 

(9)  The Employee hereby designates the persons named on Exhibit  A
     hereto as his Primary and Contingent Beneficiaries under  this
     Agreement.    The  Employee  may  at  any  time  change   such
     designations upon  written notice  to  the Corporation.    Any
     change  of  Beneficiary  or  Contingent  Beneficiary  will  be
     effective only upon written acknowledgment by the Corporation,
     a copy of  which shall be  promptly returned  to the  Employee
     after execution by the Corporation.
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(10) This Agreement is intended to be an unfunded plan of  deferred
     compensation maintained for the  Employee.  The obligation  of
     the Corporation to make payments hereunder shall constitute  a
     general  unsecured  obligation  of  the  Corporation  to   the
     Employee.  Such payments  shall be from the general assets  of
     the Corporation, and the Corporation shall not be required  to
     establish  or  maintain  any  special  or  separate  fund   or
     otherwise segregate assets to assure that such payments  shall
     be made.  Neither the  Employee nor his estate shall have  any
     interest in any particular asset of the Corporation by  reason
     of   the  Corporation's   obligations  hereunder.      Nothing
     contained herein shall  create or be  construed as creating  a
     trust  or  any  other  fiduciary  relationship    between  the
     Corporation and  the Employee  or any  other person.   To  the
     extent that any  person acquires a  right to receive  payments
     from  the  Corporation  hereunder,  such  right  shall  be  no
     greater  than  the right  of  an  unsecured  creditor  of  the
     Corporation.

(11) No portion of  the vested retirement  benefit of the  Employee
     shall be subject  in any manner  to anticipation,  alienation,
     sale, transfer, assignment, pledge, encumbrance or charge, and
     any attempt to do so shall be void. No portion of such  vested
     retirement benefit  in  any manner  shall  be payable  to  any
     assignee, receiver or  trustee; be liable  for the  Employee's
     debts, contracts or  other liabilities; or  be subject to  any
     legal process.
































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B.   Supplemental Life Insurance Benefits.


(12) The Corporation agrees to  obtain supplemental life  insurance
     coverage for  the  Employee in  the  amount of  $750,000  (the
     _Policy_).  Until  attaining age 66,  the Employee's  coverage
     amount shall  be  $750,000.  Beginning  with  Employee's  66th
     birthday, such death  benefit shall decrease  by $75,000  each
     year until Employee attains the age  of 75, at which time  all
     coverage will terminate.

(13) Employee will cooperate in the securing of such Policy, and if
     he is  for  any  reason unable  to  obtain  insurance  in  the
     specified  amount  at  standard   rates  or  rates   otherwise
     acceptable to the Corporation,  the Corporation shall have  no
     obligation to the  Employee with respect  to such insurance.  
     Employee will have the  right to approve  the insurer and  the
     Policy terms and conditions.

(14) The  Corporation  shall  have  no  obligation  of  any  nature
     whatsoever to Employee or his beneficiaries under the  Policy,
     if the circumstances of the Employee's death preclude  payment
     of death proceeds under the Policy.

(15) The Employee's beneficiaries under the Policy are set forth on
     Exhibit  A.    The   Employee  shall  execute  a   beneficiary
     designation on the  form approved by  the Corporation and  the
     Insurer. 

(16) The Corporation  shall be  responsible for  paying the  annual
     premiums on the Policy  to the Insurer.  The amount of  annual
     premium attributable to  the Employee  shall be  equal to  the
     "current term rate" for the  Employee's age multiplied by  the
     Employee's endorsed  death benefit.    This amount  should  be
     added to the Employee's annual W-2.  "Current term rate" shall
     be  defined  as  the  lesser  of  (i)  the  Insurer's  current
     published rate  for  annually  renewable  term  insurance  for
     standard risks or (ii) the rates specified in Revenue  Rulings
     64-328 and 66-110.   The Corporation  will reimburse  Employee
     (on a  fully-grossed  up  basis) to  offset  the  tax  expense
     associated with such imputed income.

(17) This Agreement shall terminate with  respect to the Policy  in
     the event  of Employee's  termination of  employment with  the
     Corporation prior to  October 6, 2003,  either voluntarily  or
     involuntarily for any reason  other than death or  disability,
     as described  in  Section  18.   Upon  such  termination,  the
     Employee will have no further interest in the Policy.

(18) In the event the Employee becomes disabled, as defined by  the
     Corporation's   long-term   disability   program,   and   such
     disability continues until October  6, 2003, his rights  under
     the Policy shall remain in effect until he attains age 75.

C.   General.


(19) If any individual entitled to  receive any payment under  this
     Agreement shall be physically,  mentally or legally  incapable
     of receiving  or acknowledging  receipt of  such payment,  the
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     Corporation, upon the receipt of satisfactory evidence (i)  of
     his incapacity,  (ii) that  another person  or institution  is
     maintaining him, and (iii) that  no guardian or committee  has
     been appointed  for  him,  may  cause  any  payment  otherwise
     payable to  him to  be made  to  such person  or  institution.
     Payment to  such  person  or  institution  shall  be  in  full
     satisfaction of all claims by or  through the Employee to  the
     extent of the amount thereof.

(20) A benefit  shall be  deemed forfeited  if the  Corporation  is
     unable after  a  reasonable  period  of  time  to  locate  the
     Employee or any party  claiming under or  through him to  whom
     payment is due; provided, however, that such benefit shall  be
     reinstated if a valid  claim is made by  or on behalf of  such
     person for the forfeited benefit.

(21) This Agreement shall be administered by the Board of Directors
     of the Corporation.   The Board  shall have  the authority  to
     amend, modify or  terminate this Agreement  at any time,  with
     the consent  of Employee,  provided that  any such  amendment,
     modification or  termination  may not  reduce  the  retirement
     benefit of  the Employee  or  otherwise adversely  impact  his
     rights hereunder.   No action  to terminate,  amend or  modify
     this Agreement  shall  be taken  except  upon 30  days'  prior
     written notice to the Employee.   The Board may appoint  other
     persons  to   assist  it   in   performing  its   duties   and
     responsibilities hereunder.

        (22) Nothing contained  in this  Agreement shall  be construed  as  a
             contract of employment between the Corporation and the Employee,
             or as a right of the Employee to be continued in the  employment
             of the  Corporation, or  as a  limitation on  the right  of  the
             Corporation to  discharge  the Employee  at  any time,  with  or
             without cause.

        (23) Any notice under this Agreement shall be in writing and shall be
             mailed by United  States first class  mail, postage prepaid,  as
             follows:

                       To the Corporation:

                       John H. Harland Company
                       2939 Miller Road
                       Decatur, GA  30035
                       Attention:  Vice President, Human Resources

                       To the Employee:

                       Timothy C. Tuff
                       3406 Valley Circle
                       Atlanta, GA  30305

             Either party may change  the address to  which notices shall  be
             mailed upon written notice.

        (24) This Agreement shall  be binding  upon the  Corporation and  its
             successors   and   assigns,   and   upon   the   Employee,   his
             beneficiaries, heirs, executors and administrators.

        (25) This Agreement shall be construed  and governed in all  respects
                                 5<PAGE>

             under and by the laws of the State of Georgia.  If any provision
             of this  Agreement  shall  be  held  by  a  court  of  competent
             jurisdiction to  be  invalid  or  unenforceable,  the  remaining
             provisions hereof shall continue to be fully effective.

             IN WITNESS WHEREOF, the parties have executed this Agreement  as
        of the date first set forth above.

        Attest:                            John H. Harland Company


        ______________________________
             By:______________________________________


        Witness:                      Employee


        ______________________________
             ____________________________________________
                                      Timothy C. Tuff








































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