Exhibit 4.3

                      SECOND AMENDMENT TO CREDIT AGREEMENT


         This Second Amendment to CREDIT Agreement dated as of February 28, 2001
(the  "Amendment") by and among JOHN H. HARLAND COMPANY,  a Georgia  corporation
(the "Borrower"),  the several banks and other financial  institutions from time
to time party  hereto (the  "Lenders"),  and SUNTRUST  BANK,  in its capacity as
Administrative  Agent for the Lenders (the  "Administrative  Agent") and as Lead
Arranger,  WACHOVIA BANK, N.A., as Syndication Agent (the "Syndication  Agent"),
BANK OF AMERICA, N.A., as Documentation Agent (the "Documentation Agent"), FLEET
NATIONAL BANK, as Senior Managing Agent,  BNP PARIBAS,  as Senior Managing Agent
and FIRST UNION NATIONAL BANK, as Senior Managing Agent (each a "Senior Managing
Agent").

         WHEREAS,  the  Borrower,  the Agent and the Lenders are parties to that
certain Credit Agreement dated as of August 23, 2000, by and among the Borrower,
the  Administrative  Agent  and the  other  Lenders,  as  amended  (the  "Credit
Agreement";  all capitalized  terms not otherwise  defined herein shall have the
meanings set forth in the Credit Agreement),  pursuant to which the Lenders have
made available certain financial accommodations to the Borrower;

         WHEREAS, the parties wish to amend the Credit Agreement to, among other
things,  modify  the  manner in which the  consolidated  net worth  covenant  is
calculated, but only on the terms and conditions contained herein.

         NOW, THEREFORE,  for good and valuable  consideration,  the receipt and
sufficiency of which are hereby  acknowledged by the parties hereto, the parties
hereto agree as follows:

         Section 1.  Amendments.
                     ----------

          (a) The Credit  Agreement is hereby amended by deleting the definition
of  "Consolidated  Net Worth" from Section 1.1 and  substituting in lieu thereof
the following new definition of "Consolidated Net Worth":

                  "Consolidated Net Worth" shall mean, as of any date, the total
         assets of the Borrower and its Subsidiaries  that would be reflected on
         the Borrower's  consolidated  balance sheet as of such date prepared in
         accordance  with  GAAP,   after   eliminating   all  amounts   properly
         attributable to minority interests, if any, in the stock and surplus of
         Subsidiaries  plus  any  non-cash  charges  actually  taken  which  are
         associated with the accelerated write-off of any tangible or intangible
         assets  related to the  acquisition  of  Concentrex  or to the Software
         Business in an amount up to  $15,000,000  in the aggregate  through the
         Commitment  Termination  Date,  minus (i) the total  liabilities of the
         Borrower and its Subsidiaries that would be reflected on the Borrower's
         consolidated  balance sheet as of such date prepared in accordance with
         GAAP  minus (ii) the  amount of any  write-up  in the book value of any
         assets  resulting from a revaluation  thereof or any write-up in excess
         of the  cost of such  assets  acquired  reflected  on the  consolidated
         balance  sheet of the Borrower as of such date  prepared in  accordance
         with GAAP.
                                      -1-
<PAGE>

         (b) The Credit  Agreement is hereby amended by deleting Section 6.3 and
substituting in lieu thereof the following new Section 6.3:

               "Section 6.3. Consolidated Net Worth The Borrower will not permit
         its  Consolidated  Net Worth at the end of each  fiscal  quarter of the
         Borrower, commencing with the fiscal quarter ending September 30, 2000,
         to be less  than an  amount  equal  to  $141,000,000,  plus  (i) 50% of
         Consolidated  Net Income on a cumulative  basis for all fiscal quarters
         of the Borrower  preceding the date of  determination,  commencing with
         the  fiscal  quarter  beginning  July  1,  2000;   provided,   that  if
         Consolidated  Net Income is negative  in any fiscal  quarter the amount
         added  for  such  fiscal  quarter  shall  be  zero  and  such  negative
         Consolidated Net Income shall not reduce the amount of Consolidated Net
         Income added from any previous  fiscal  quarter,  plus (ii) 100% of the
         net proceeds from any equity offering."

         Section 2.  Benefits of Loan Documents.
                     --------------------------

         Each  reference to the Credit  Agreement  in any of the Loan  Documents
shall be deemed to be a  reference  to the Credit  Agreement  as amended by this
Amendment, and as the Credit Agreement may from time to time be further amended,
supplemented,  restated or otherwise modified in the future by one or more other
written  amendments or  supplemental  or  modification  agreements  entered into
pursuant to the applicable provisions thereof.

         Section 3. Conditions to Effectiveness of Amendment.  The effectiveness
of this  Amendment  is  subject  to the  condition  precedent  that  each of the
following be received by the  Administrative  Agent (unless  otherwise waived in
writing by the  Administrative  Agent),  each of which shall be  satisfactory in
form and substance to the Administrative Agent:

         (a) this Amendment executed by each of the parties hereto;

         (b) the  Acknowledgment and Consent of the Guarantors, substantially in
the form of Exhibit A hereto, executed by each of the Guarantors (as defined
below)(the "Acknowledgment"); and

         (c) such other approvals, opinions or documents as the Administrative
Agent may reasonably request.

                                      -2-
<PAGE>

        Section 4. Representations. The Borrower represents to the Lenders that:
                   ---------------

         (a) The  execution,  delivery and  performance  by the Borrower of this
Amendment,  (a) does not require any consent or  approval  of,  registration  or
filing with, or any action by, any Governmental Authority,  except those as have
been  obtained  or made and are in full force and effect or where the failure to
do so,  individually  or in the  aggregate,  could not reasonably be expected to
have a Material  Adverse  Effect,  (b) will not  violate any  applicable  law or
regulation  or the  charter,  by-laws or other  organizational  documents of the
Borrower or any of its Subsidiaries or any order of any Governmental  Authority,
(c) will not  violate  or  result in a default  under  any  indenture,  material
agreement  or other  material  instrument  binding on the Borrower or any of its
Subsidiaries or any of its assets or give rise to a right  thereunder to require
any payment to be made by the Borrower or any of its  Subsidiaries  and (d) will
not  result  in the  creation  or  imposition  of any  Lien on any  asset of the
Borrower or any of its  Subsidiaries,  except Liens (if any)  created  under the
Loan Documents.

         (b) The  execution,  delivery and  performance  by the Borrower of this
Amendment  is within  the  Borrower's  organizational  powers  and has been duly
authorized by all necessary organizational, and if required, stockholder action.
This  Amendment  has been duly  executed  and  delivered  by the  Borrower,  and
constitutes valid and binding  obligations of the Borrower,  enforceable against
it in  accordance  with  their  respective  terms,  except as may be  limited by
applicable bankruptcy, insolvency,  reorganization,  moratorium, or similar laws
affecting  the  enforcement  of  creditors'  rights  generally  and  by  general
principles of equity.

         Section 5. Reaffirmation. The Borrower hereby repeats and reaffirms all
representations  and warranties made by the Borrower in the Credit Agreement and
the other Loan  Documents  to which it is a party as of the date hereof with the
same force and effect as if such  representations  and warranties were set forth
in this  Amendment in full except to the extent such  representations  expressly
relate to an earlier  date or have been  updated to the extent  permitted by the
Credit Agreement.

         Section 6.  Reaffirmation and  Representations  by Guarantors.
                     -------------------------------------------------
By execution of the Acknowledgment, each Subsidiary that has executed a
Subsidiary Guarantee Agreement (a "Guarantor"):

         (a) reaffirms its continuing  obligations to the  Administrative  Agent
and the Lenders under the Subsidiary Guarantee Agreement to which it is a party,
and agrees that the transactions contemplated by this Amendment shall not in any
way  affect  the  validity  and  enforceability  of  such  Subsidiary  Guarantee
Agreement,  or reduce,  impair or discharge the  obligations  of such  Guarantor
thereunder; and

         (b)  represents to the Lenders that:

         (i) such Guarantor has the right and power, and has taken all necessary
action to  authorize  it, to execute  and  deliver  the  Acknowledgment,  and to
perform the  Acknowledgment in accordance with its terms. The Acknowledgment has
been  duly  executed  and  delivered  by the duly  authorized  officers  of each
Guarantor,  and is a legal,  valid  and  binding  obligation  of each  Guarantor
enforceable  against each Guarantor in accordance with its terms,  except as may
be limited by applicable bankruptcy, insolvency, reorganization,  moratorium, or
similar laws  affecting the  enforcement of creditors'  rights  generally and by
general principles of equity; and

                                      -3-
<PAGE>

         (ii) the execution,  delivery and  performance by such Guarantor of the
Acknowledgment,  (a) do not require any consent or approval of,  registration or
filing with, or any action by, any Governmental Authority,  except those as have
been  obtained  or made and are in full force and effect or where the failure to
do so,  individually  or in the  aggregate,  could not reasonably be expected to
have a Material  Adverse  Effect,  (b) will not  violate any  applicable  law or
regulation  or the charter,  by-laws or other  organizational  documents of such
Guarantor or any order of any  Governmental  Authority,  (c) will not violate or
result in a default under any  indenture,  material  agreement or other material
instrument  binding  on such  Guarantor  or any of its  assets or give rise to a
right  thereunder  to require any payment to be made by such  Guarantor  and (d)
will not result in the creation or  imposition  of any Lien on any asset of such
Guarantor, except Liens (if any) created under the Loan Documents.

         Section  7.  Benefits.  This  Amendment shall be binding upon and shall
inure to the  benefit  of the parties hereto and their respective successors
and assigns.

         Section 8.  GOVERNING  LAW. THIS  AMENDMENT  SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE  WITH,  THE LAWS OF THE STATE OF GEORGIA.

         Section  9.  Effect. Except as expressly herein amended, the terms and
conditions  of the  Credit Agreement shall remain in full force and effect.

         Section 10.  Counterparts. This Amendment may be executed in any number
of  counterparts, each of which shall be deemed to be an original and shall be
binding upon all parties.



                         [Signatures on following page]

                                      -4-
<PAGE>



         IN WITNESS  WHEREOF,  the parties have caused this Second  Amendment to
Credit Agreement to be executed by their  authorized  officers all as of the day
and year first above written.

                             JOHN H. HARLAND COMPANY

                          By___________________________
                                Name: John Stakel
                                Title: Treasurer

                                            [SEAL]


                          SUNTRUST BANK, as Administrative Agent, as Lead
                          Arranger,  as Issuing Bank, as Swingline Lender and
                          as a Lender


                          By___________________________________
                          Name: Brian Peters
                          Title: Managing Director


                          WACHOVIA BANK, N.A., as Syndication Agent and as a
                          Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------


                          BANK OF AMERICA, N.A., as Documentation Agent and as
                          a Lender

                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------

                                      -5-
<PAGE>

                          FLEET NATIONAL BANK, as Senior Managing Agent and as
                          a Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------



                          BNP PARIBAS, as Senior Managing Agent and as a Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------


                          FIRST UNION NATIONAL BANK, as Senior Managing Agent
                          and as a Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------


                          THE INDUSTRIAL BANK OF JAPAN, LIMITED, as a Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------



                          FIFTH THIRD BANCORP, as a Lender


                          By:
                                -----------------------------------------------
                          Name:
                                -----------------------------------------------
                          Title:
                                -----------------------------------------------




                                      -6-
<PAGE>



               ACKNOWLEDGMENT AND CONSENT OF SUBSIDIARY GUARANTORS


         Each of the undersigned Subsidiaries hereby (i) acknowledges receipt of
the foregoing  Second Amendment to Credit Agreement by and among John H. Harland
Company,  the Lenders under the Credit  Agreement  (the  "Lenders") and SunTrust
Bank,  Atlanta,  in its  capacity as  administrative  agent for the Lenders (the
"Administrative Agent") (the "Amendment"), (ii) consents to the Amendment, (iii)
agrees and acknowledges to the terms thereof including,  without limitation, the
representations  and  agreements  of the each of the  undersigned  set  forth in
Section  7 of the  Amendment,  and (iv)  restates  and  affirms  its  respective
obligations under its Subsidiary  Guarantee  Agreement  previously  executed and
delivered in favor of the Agent (for the ratable benefit of the Lenders) without
defense, counterclaim or set-off.

                                      -7-
<PAGE>



         IN WITNESS WHEREOF,  each of the undersigned  Subsidiaries has executed
this  Acknowledgment  and  Consent  of  Subsidiary  Guarantors  this  28 day of
February, 2001.

                                      HARLAND INTERNATIONAL COMPANY
                                      HARLAND DATAPRINT, INC.
                                      JOHN H. HARLAND COMPANY OF
                                          PUERTO RICO
                                      SCANTRON CORPORATION
                                      SCANTRON QUALITY COMPUTERS, INC.
                                      THE CHECK STORE, INC.
                                      CENTRALIA HOLDING CORP.
                                      VENUS FLYTRAP CORPORATION
                                      CONCENTREX INSURANCE GROUP, INC.
                                      MONEYSCAPE HOLDINGS, INC.
                                      ULTRADATA CORPORATION
                                      CONCENTREX INCORPORATED



                                   By:
                                      -----------------------------------------
                                        Name:   John C. Walters
                                        Title:  Vice President


                                    MECA SOFTWARE, L.L.C.


                                    By:
                                       -----------------------------------------
                                         Name:   John C. Walters
                                         Title:  Manager



                                      -8-