Exhibit 4.2

                       FIRST AMENDMENT TO CREDIT AGREEMENT


         This first  Amendment to CREDIT  Agreement dated as of October 19, 2000
(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 (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 Aggregate Revolving Commitment on and as of the date
hereof equals $300,000,000; and

         WHEREAS, the parties wish to amend the Credit Agreement to, among other
things,  (i) provide a mechanism to  accommodate  increases from time to time to
the Aggregate Revolving  Commitment and (ii) modify Section 7.4(d) of the Credit
Agreement, 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  "Commitment  Termination  Date" from Section 1.01 and  substituting  in lieu
thereof the following new definition of "Commitment Termination Date":

                           "Commitment Termination Date" shall mean the earliest
                  of (i) August 23, 2004,  (ii) the date on which the  Revolving
                  Commitments  are terminated  pursuant to Section 2.8 and (iii)
                  the date on which all amounts outstanding under this Agreement
                  have  been  declared  or  have  automatically  become  due and
                  payable (whether by acceleration or otherwise)."

         (b) The Credit  Agreement is hereby amended by deleting  Section 2.2(b)
and substituting in lieu thereof the following new Section 2.2(b):

                                      -1-
<PAGE>

                  "(b) The Aggregate Revolving  Commitment may be increased from
                  time to time  following  additional  syndication  to banks and
                  other  financial  institutions  acceptable to the Borrower and
                  the   Administrative   Agent;   provided  that  the  Aggregate
                  Revolving Commitment shall not exceed  $325,000,000.  In order
                  to  effectuate  such  increase  in  the  Aggregate   Revolving
                  Commitment,  the Borrower,  the Administrative Agent and banks
                  and financial  institutions who will become a Lender hereunder
                  (a "New Lender")  shall execute and deliver a Lender  Addition
                  Agreement,   substantially  in  the  form  of  Exhibit  2.2(b)
                  attached hereto (a "Lender Addition Agreement"). The increased
                  Aggregate  Revolving  Commitment  as  well  as  the  Revolving
                  Commitment for the New Lender shall be set forth in the Lender
                  Addition  Agreement.  As a condition to the  effectiveness  of
                  such Lender Addition Agreement,  the Borrower shall deliver to
                  the  Administrative  Agent a Revolving  Credit Note payable to
                  the  New  Lender  in  the  face  amount  of the  New  Lender's
                  Revolving Commitment."

         (c) The Credit  Agreement is hereby further amended by deleting Section
7.4(i) and substituting in lieu thereof the following new Section 7.4(i):

                           "(i)  (i)  Investments  which  are  received  by  the
                  Borrower or any  Subsidiary  in  consideration  of any sale or
                  other  disposition of assets  permitted by Sections 7.6(d) and
                  (e) hereof and (ii) an  Investment  consisting of a $5,000,000
                  loan to  Netzee  Inc.  in  connection  with  the sale or other
                  disposition  of assets to Netzee  Inc.  permitted  by Sections
                  7.6(d) and (e) hereof;  provided,  that the terms of such loan
                  shall require  immediate  repayment in the event that the sale
                  of assets to Netzee Inc. is not consummated; and"

         (d) The  Credit  Agreement  is hereby  further  amended by adding the
following  sentence  to end of Section 7.4:

                  "In  calculating  the amount of an  Investment  under  Section
                  7.4(d)(i),  the amount of an Investment  shall be deemed to be
                  the amount of the Investment as of the date the Company or any
                  Subsidiary acquires or makes such Investment."

         (e)  The Credit Agreement is hereby further amended by adding the
following new Section 10.13 to end of Article X:

                                      -2-
<PAGE>

                           "Section  10.13 No Duties  Imposed  Upon  Syndication
                  Agent or Documentation  Agent. None of the Persons  identified
                  as  a  "Syndication   Agent",   "Senior   Managing  Agent"  or
                  "Documentation  Agent"  under  this  Agreement  shall have any
                  right, power,  obligation,  liability,  responsibility or duty
                  under this  Agreement  other than, if such Person is a Lender,
                  those applicable to all Lenders as such.  Without limiting the
                  foregoing,  none of the Persons  identified as a  "Syndication
                  Agent", "Senior Managing Agent" or "Documentation Agent" under
                  this  Agreement  shall have or be deemed to have any fiduciary
                  duty to or fiduciary relationship with any Lender. In addition
                  to the  agreements  set forth in  Section  10.13,  each of the
                  Lenders  acknowledges  that it has not  relied,  and  will not
                  rely, on any of the Persons so identified in deciding to enter
                  into  this  Agreement  or  in  taking  or  not  taking  action
                  hereunder."

         Section 2.  Acknowledgment of Lenders' Commitments.
                     --------------------------------------

         The parties  hereto agree that the  transactions  contemplated  by each
Assignment and Acceptance and Lender Addition  Agreement executed as of the date
hereof shall be deemed to be  effective  immediately  prior to the  transactions
contemplated  hereby.  After giving effect thereto,  the amount of each Lender's
Revolving Commitment is set forth on the signature pages hereto.

         Section 3.  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 4. 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.

                                      -3-
<PAGE>

        Section 5. 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 6. 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 7.  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

                                      -4-
<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  8.  Benefits.  This  Amendment  shall be  binding  upon and
shall  inure to the  benefit  of the parties hereto and their respective
successors and assigns.

         Section 9.  GOVERNING  LAW. THIS  AMENDMENT  SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE  WITH,  THE LAWS OF THE STATE OF GEORGIA.

         Section  10.  Effect.  Except as expressly herein amended, the terms
and  conditions  of the  Credit Agreement shall remain in full force and effect.

         Section 11.  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]

                                      -5-
<PAGE>



         IN WITNESS  WHEREOF,  the parties  have caused this First  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

                       Revolving Commitment:      $50,000,000


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


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


                       Revolving Commitment:      $50,000,000

                                      -6-
<PAGE>


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

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


                       Revolving Commitment:      $50,000,000


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


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


                       Revolving Commitment:      $35,000,000


                       BNP PARIBAS, as Senior Managing Agent and as a Lender


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


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

                       Revolving Commitment:      $35,000,000

                                      -7-
<PAGE>

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


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

                       Revolving Commitment:      $50,000,000


                       THE INDUSTRIAL BANK OF JAPAN, LIMITED, as a Lender


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


                       Revolving Commitment:      $15,000,000



                       FIFTH THIRD BANCORP, as a Lender


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


                       Revolving Commitment:      $15,000,000



                                      -8-
<PAGE>



               ACKNOWLEDGMENT AND CONSENT OF SUBSIDIARY GUARANTORS


         Each of the undersigned Subsidiaries hereby (i) acknowledges receipt of
the foregoing First  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.

                                      -9-
<PAGE>



         IN WITNESS WHEREOF,  each of the undersigned  Subsidiaries has executed
this  Acknowledgment  and  Consent  of  Subsidiary  Guarantors  this  ___ day of
October, 2000.

                            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


                                      -10-