Exhibit 10.4

                             JOHN H. HARLAND COMPANY
                             1999 Stock Option Plan
                           Restricted Stock Agreement

         This Restricted Stock Agreement  evidences the grant by John H. Harland
Company  (the  "Company")  of  restricted  shares of Common Stock of the Company
("Restricted  Stock") to the  employee  named  below  ("Employee")  pursuant  to
Section 8 of the  Company's  1999 Stock  Option  Plan (the  "Plan").  All of the
terms, conditions and definitions set forth in the Plan are incorporated herein,
and the  grant  of the  Restricted  Stock is  subject  to all of the  terms  and
conditions set forth in the Plan and in this Agreement.

                              Terms and Conditions

1.   Name of Employee:  ___________

2.   Grant Date.        ___________

3.   Number of Shares.  The Restricted Stock grant is ____ shares.

4.   Dividends and Voting. Employee shall have all shareholder voting rights and
     rights to dividends paid in cash with respect to the Restricted  Stock. The
     Company shall retain any dividends  paid in stock subject to Sections 5
     and 6.

5.   Holding and  Transfer  of Stock  Certificate.  The Company  shall issue the
     Restricted  Stock in the name of Employee subject to the condition that the
     Company  hold the same for a period  of five  years  from the  Grant  Date.
     Unless  Employee  forfeits the Restricted  Stock pursuant to Section 6, the
     Company shall transfer physical custody of the Restricted Stock to Employee
     on the  fifth  anniversary  of  the  Grant  Date,  free  of any  forfeiture
     restrictions.  Employee  shall  have no  right  to  transfer  or  otherwise
     alienate or assign  Employee's  interest in any shares of Restricted Stock,
     except  through  the laws of  descent  and  distribution,  before  physical
     custody  is  transferred  by the  Company to  Employee.  In  addition,  the
     forfeiture restrictions will lapse, and Employee's rights to the Restricted
     Stock shall  become fully  vested,  in the event that the  Company's  stock
     market  performance  (measured by the  percentage  increase in value of its
     Common  Stock  during the  calendar  year) in two of any three  consecutive
     calendar  years  after the Grant  Date  exceeds  the  return on the S&P 500
     Index.

6.   Forfeiture  Restriction.  Employee shall completely forfeit any interest in
     the Restricted Stock (and shall receive no  consideration  from the Company
     on account of such  forfeiture) if Employee's  employment  with the Company
     terminates for any reason  whatsoever prior to the fifth anniversary of the
     Grant Date,  unless (a) the  Committee  administering  the Plan in its sole
     discretion  waives this forfeiture  condition at the time of termination of
     employment,  or (b) Employee's  employment  with the Company  terminates by
     reason  of  disability,   as  determined  by  the  Committee  in  its  sole
     discretion, or death.

7.   Withholding.  The  Company  shall  have the right to reduce  the  number of
     shares  of  Common  Stock  transferred  to  Employee  in order  to  satisfy
     applicable federal,  state and other withholding  requirements,  or to take
     any  other  action  the  Committee  acting  in its  sole  discretion  deems
     applicable to the Restricted Stock.

8.   Employment and  Termination.  Nothing in this Agreement shall give Employee
     the right to  continue in  employment  by the Company or limit the right of
     the Company to terminate Employee's employment with or without cause at any
     time.

9.   Miscellaneous. This Agreement shall be governed by the laws of the State of
     Georgia.

         IN WITNESS WHEREOF,  the parties have executed this Agreement as of the
Grant Date.

                                       John H. Harland Company


                                       By:
                                          --------------------------------



                                          --------------------------------
                                           Employee