EXHIBIT 10.31

               SECOND AMENDMENT TO CREDIT AND INVESTMENT AGREEMENT

         THIS SECOND AMENDMENT TO CREDIT AND INVESTMENT AGREEMENT (this "SECOND
AMENDMENT") is dated as of March 20,1998, but effective as of December 31, 1997,
by and among The Vincam Group, Inc. (the "COMPANY"), Fleet Real Estate, Inc., a
Rhode Island corporation (the "LESSOR"); Fleet Real Estate Capital, Inc.,
NationsBank, N.A. and SunTrust Bank, Miami, N.A. (individually, together with
its successors and assigns, a "LENDER," and collectively, together with their
successors and assigns, the "LENDERS"); and FLEET NATIONAL BANK, a national
banking association (as agent for the Lenders (in such capacity, together with
its successors in such capacity, the "Agent");

                              W I T N E S S E T H:

         WHEREAS, the Company, the Lessor, the Lenders and the Agent executed
and delivered that certain Credit and Investment Agreement, dated as of December
9, 1997, as amended by an Amendment to Credit and Investment Agreement and
Joinder to Guaranty and Contribution Agreement dated as of January 30, 1998 (as
so amended, the "CREDIT AGREEMENT");

         WHEREAS, the Company has requested and the Lessor, the Lenders and the
Agent have agreed to certain amendments to the Credit Agreement, subject to the
terms and conditions hereof; and

         WHEREAS, the Company has formed each of Vincam Staffing, Inc. and
Vincam Government Solutions, Inc., each a Florida corporation (individually a
"NEW SUBSIDIARY" and collectively, the "NEW SUBSIDIARIES") and the Company is
the owner of all of the issued and outstanding capital stock of each of the New
Subsidiaries, and Section 8.33 of the Credit Agreement requires that the Company
(i) deliver to the Agent pursuant to the Security Instruments the certificates
evidencing all of the issued and outstanding shares of stock of the New
Subsidiaries, accompanied by undated stock powers executed in blank and (ii)
cause the New Subsidiaries to become Guarantors;

         NOW, THEREFORE, for and in consideration of the above premises and
other good and valuable consideration, the receipt and sufficiency of which
hereby is acknowledged by the parties hereto, the Company, the Lessor, the
Lenders and the Agent hereby covenant and agree as follows:

         1. DEFINITIONS. Unless otherwise specifically defined herein, each term
used herein which is defined in the Credit Agreement shall have the meaning
assigned to such term in the Credit Agreement. Each reference to "hereof",
"hereunder", "herein" and "hereby" and each other similar reference and each
reference to "this Agreement" and each other similar reference

<PAGE>

contained in the Credit Agreement shall from and after the date hereof refer to
the Credit Agreement as amended hereby.

         2. Amendment to Section 8.23. Section 8.23 of the Credit Agreement
hereby is deleted in its entirety and the following is substituted therefor:

              Section 8.23 CURRENT RATIO. The Company will not permit the ratio
         of Current Assets to Current Liabilities to be less than 1.25 to 1.0 at
         any fiscal quarter end, commencing with the fiscal quarter ending
         December 31, 1997.

         3. Amendment to Section 8.24. Section 8.24 of the Credit Agreement
hereby is deleted in its entirety and the following is substituted therefor:

              Section 8.24 MINIMUM TANGIBLE NET WORTH. Commencing with the
         fiscal quarter ending December 31, 1997, the Company shall at all times
         maintain consolidated Tangible Net Worth of not less than (i)
         $22,500,000, plus (ii) seventy-five percent (75%) of all cumulative
         consolidated Net Income of the Company after December 31, 1997,
         PROVIDED, that for purposes of this clause (ii) only positive
         consolidated Net Income shall be included and any net losses shall be
         disregarded, plus (iii) seventy-five percent (75%) of the net proceeds
         of any public offering or private placement by the Company of shares of
         capital stock of the Company. The level of Tangible Net Worth required
         under this Section 8.24 may be adjusted, for certain non-cash charges
         to the extent incurred in connection with Permitted Acquisitions which
         are identified to and approved by the Agent in writing.

         4. RESTATEMENT OF REPRESENTATIONS AND WARRANTIES. The Company hereby
restates and renews each and every representation and warranty heretofore made
by it in the Credit Agreement and the other Transaction Documents as fully as if
made on the date hereof and with specific reference to this Second Amendment,
including the supplemental disclosures set forth in Schedule I attached hereto
and made a part hereof, and all other Transaction Documents executed and/or
delivered in connection herewith.

         5. REPLACEMENT OF COMPLIANCE CERTIFICATE. Exhibit H to the Credit
Agreement (the Compliance Certificate) hereby is deleted in its entirety and
Exhibit H hereto is substituted therefor.

         6. EFFECT OF AMENDMENT. Except as set forth expressly hereinabove, all
terms of the Credit Agreement and the other Transaction Documents shall be and
remain in full force and effect, and shall constitute the legal, valid, binding
and

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<PAGE>

enforceable obligations of the Company. The amendments contained herein shall be
deemed to have prospective application only, unless otherwise specifically
stated herein.

         7. RATIFICATION. The Company hereby restates, ratifies and reaffirms
each and every term, covenant and condition set forth in the Credit Agreement
and the other Transaction Documents effective as of the date hereof.

         8. COUNTERPARTS. This Second Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.

         9. SECTION REFERENCES. Section titles and references used in this
Second Amendment shall be without substantive meaning or content of any kind
whatsoever and are not a part of the agreements among the parties hereto
evidenced hereby.

         10. NO DEFAULT. To induce the Lessor, the Lenders and the Agent to
enter into this Second Amendment and to continue to make advances pursuant to
the Credit Agreement, the Company hereby acknowledges and agrees that, as of the
date hereof, and after giving effect to the terms hereof, there exists (i) no
Default or Event of Default and (ii) no right of offset, defense, counterclaim,
claim or objection in favor of the Company arising out of or with respect to any
of the Loans or Lessor Investment Payments or other obligations of the Company
owed to the Lenders or the Lessor under the Credit Agreement and the other
Transaction Documents.

         11. FURTHER ASSURANCES. The Company agrees to take such further actions
as the Agent shall reasonably request in connection herewith to evidence the
amendments herein contained to the Company.

         12. GOVERNING LAW. This Second Amendment shall be governed by and
construed and interpreted in accordance with, the laws of the State of New York.

         13. CONDITIONS PRECEDENT. This Second Amendment shall become effective
only upon execution and delivery (i) of this Second Amendment by each of the
parties hereto, (ii) of the Consent and Reaffirmation of Guarantors at the end
hereof by each of the Guarantors, (iii) of the Joinder Agreement in the form of
Annex 1 hereto by the New Subsidiaries, whereby they become Guarantors and
parties to the Contribution Agreement, and (iv) delivery to the Agent pursuant
to the Security Instruments of the certificates evidencing all of the issued and
outstanding

                                       3
<PAGE>

shares of stock of the New Subsidiaries, accompanied by undated stock powers
executed in blank.

                       [SIGNATURES CONTAINED ON NEXT PAGE]

                                       4
<PAGE>

         IN WITNESS WHEREOF, the Company, the Lessor, each of the Lenders and
the Agent has caused this Second Amendment to be duly executed, under seal, by
its duly authorized officer as of the day and year first above written.

The Company:                        THE VINCAM GROUP, INC.

                                    By: /s/ CARLOS RODRIGUEZ
                                        ------------------------------------
                                        Name: Carlos Rodriguez
                                        Title: CFO

Lessor:                             FLEET REAL ESTATE, INC.

                                    By: /s/ MARK E. CONNORS
                                        ------------------------------------
                                        Name: Mark E. Connors
                                        Title: Senior Vice President

Lenders:                            FLEET REAL ESTATE CAPITAL, INC.

                                    By: /s/ MARK E. CONNORS
                                        ------------------------------------
                                        Name: Mark E. Connors
                                        Title: Senior Vice President

                                    NATIONSBANK, N.A.

                                    By: /s/ ALLEN A. TAYLOR
                                        ------------------------------------
                                        Name: Allen A. Taylor
                                        Title: Vice President

                                    SUNTRUST BANK, MIAMI, N.A.

                                    By: /s/ JORGE ARRIETA
                                        ------------------------------------
                                        Name: Jorge Arrieta
                                        Title: Vice President

Agent:                              FLEET NATIONAL BANK

                                    By: /s/ GINGER STOLZENTHALER
                                        ------------------------------------
                                        Name: G. Stolzenthaler
                                        Title: SVP

                                       5
<PAGE>

                     CONSENT AND REAFFIRMATION OF GUARANTORS

     Each of the undersigned (i) acknowledges receipt of the foregoing Second
Amendment to Credit and Investment Agreement (the "SECOND AMENDMENT"), (ii)
consents to the execution and delivery of the Second Amendment by the parties
thereto and the addition of the New Subsidiaries as Guarantors and (iii)
reaffirms all of its obligations and covenants under the Guaranty (Lessee) dated
as of December 9, 1998 executed by it, and agrees that none of such obligations
and covenants shall be affected by the execution and delivery of the Second
Amendment or the addition of the New Subsidiaries as Guarantors and parties to
the Contribution Agreement. This Consent and Reaffirmation may be executed in
any number of counterparts and by different parties hereto in separate
counterparts, each of which when so executed and delivered shall be deemed to be
an original and all of which counterparts, taken together, shall constitute but
one and the same instrument.

                       [SIGNATURES CONTAINED ON NEXT PAGE]

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<PAGE>

                                       VINCAM HUMAN RESOURCES, INC.
                                       VINCAM HUMAN RESOURCES, INC. I
                                       VINCAM HUMAN RESOURCES, INC. II
                                       VINCAM HUMAN RESOURCES, INC. III
                                       VINCAM HUMAN RESOURCES, INC. IV
                                       VINCAM HUMAN RESOURCES, INC. V
                                       VINCAM HUMAN RESOURCES, INC. VI
                                       VINCAM HUMAN RESOURCES, INC. XII
                                       VINCAM HUMAN RESOURCES OF MICHIGAN, INC.
                                       VINCAM OCCUPATIONAL HEALTH SYSTEMS, INC.
                                       PERSONNEL RESOURCES, INC.
                                       VINCAM INSURANCE SERVICES, INC.
                                       VINCAM PRACTICE MANAGEMENT, INC.
                                       AMERICAN PEDIATRIC SYSTEMS, INC.
                                       PSYCH/CARE, INC.
                                       VINCAM/STAFF ADMINISTRATORS, INC.
                                           d/b/a STAFF ADMINISTRATORS, INC.)
                                       VINCAM/STAFF ADMINISTRATORS OF
                                           WESTERN COLORADO, INC. (d/b/a
                                          STAFF ADMINISTRATORS OF
                                          WESTERN COLORADO, INC.)
                                       VINCAM/STAFF ADMINISTRATORS OF CO,
                                          INC. (f/k/a STAFF
                                          ADMINISTRATORS OF CO., INC.)
                                       VINCAM/STAFF ADMINISTRATORS OF
                                          CALIFORNIA, INC.(f/k/a STAFF
                                          ADMINISTRATORS OF CALIFORNIA,
                                          INC.)
                                       VINCAM/AMSTAFF, INC.
                                       R.D.M., INC.
                                       AMSTAFF PEO, INC.
                                       AMERICAN STAFFING, INC.
                                       ADDISON, INC.
                                       AMSTAFF PROFESSIONAL SERVICES, INC.
                                       AMSTAFF HR SERVICES, INC.
                                       AMSTAFF MANAGEMENT SERVICES, INC.
                                       AMSTAFF H.R.M., INC.
                                       A.E. SERVICE GROUP, INC.
                                       STAFF RESOURCE SERVICES, INC.
                                       AMSTAFF EMPLOYER RESOURCES, INC.
                                       AMSTAFF P.C.S., INC.
                                       STAFFING GROUP ENTERPRISES, INC.
                                       A.M. RISK MANAGEMENT COMPANY
                                       ATCO PEO, INC.
                                       VINCAM/STAFFING NETWORK, INC.
                                       VINCAM/CORPORATE STAFF SERVICES,
                                          INC.

                                       By: /s/ CARLOS RODRIGUEZ
                                           --------------------------------
                                           Name: Carlos Rodriguez
                                           Title: CFO

                                       7
<PAGE>

                                                     ANNEX 1 TO SECOND AMENDMENT
                                                     TO CREDIT AND INVESTMENT
                                                     AGREEMENT

                                JOINDER AGREEMENT

         THIS JOINDER AGREEMENT dated as of March 20, 1998 by VINCAM STAFFING,
INC. and VINCAM GOVERNMENT SOLUTIONS, INC., each a Florida corporation
(individually a "NEW SUBSIDIARY" and collectively, the "NEW SUBSIDIARIES").

         WHEREAS, The Vincam Group, Inc., as the Company, Fleet Real Estate,
Inc., as the Lessor, Fleet Real Estate Capital, Inc., NationsBank, N.A. and
SunTrust Bank, Miami, N.A., as the Lenders and Fleet National Bank, as the Agent
executed and delivered a Credit and Investment Agreement dated as of December 9,
1997, as amended by a First Amendment to Credit and Investment Agreement and
Joinder to Guaranty and Contribution Agreement dated as of January 30, 1998 and
a Second Amendment to Credit and Investment Agreement of even date herewith (as
so amended, and as hereafter amended, supplemented, restated or otherwise
modified from time to time in accordance with its terms, the "CREDIT AGREEMENT;
capitalized terms used herein without definition have the meanings given them in
the Credit Agreement);

         WHEREAS, each of the New Subsidiaries has become a wholly owned
subsidiary of the Company, pursuant to Section 8.33 of the Credit Agreement,
each of the New Subsidiaries is required to become a Guarantor and a party to
the Contribution Agreement;

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

         1. JOINDER OF NEW SUBSIDIARIES. Each of the New Subsidiaries is hereby
joined as a Guarantor under the Guaranty (Lessee) for all purposes thereunder
(as a Florida Guarantor and a Guarantor) and under the Credit Agreement and the
other Loan Transaction Documents, and as a party to the Contribution Agreement
(as a "Florida Subsidiary Guarantor", a "Subsidiary Guarantor" and a
"Contributing Party", as those terms are defined therein) thereunder, and each
of the New Subsidiaries shall have all of the rights and undertakes and assumes
all of the obligations of a Guarantor under the Guaranty Agreement, and as a
Contributing Party under the Contribution Agreement, in each case as if it had
been an original party thereto.

         2. COUNTERPARTS. This Joinder Agreement may be executed simultaneously
in any number of counterparts, each of which shall be deemed an original, but
all of which together shall constitute one and the same agreement.

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<PAGE>

         IN WITNESS WHEREOF the parties hereto have entered into this Joinder
Agreement as of the date and year first written above.

                                             VINCAM STAFFING, INC.
                                             VINCAM GOVERNMENT SOLUTIONS, INC.

                                             By: /s/ CARLOS RODRIGUEZ
                                                 --------------------------
                                             Name: Carlos Rodriguez
                                             Title: CFO

                                       9
<PAGE>

                                    EXHIBIT H

                             COMPLIANCE CERTIFICATE

TO:      Fleet National Bank, as Agent
         75 State Street
         Boston, Massachusetts 02109

         The undersigned Responsible Officer of The Vincam Group, Inc., a
Florida corporation (the "COMPANY"), and each of the subsidiaries of the Company
(together with the Company, the "BORROWERS"), hereby certifies, with respect to
the Credit and Investment Agreement dated as of December 9, 1997 among Fleet
National Bank (the "Agent"), Fleet Real Estate, Inc., certain Lenders parties
thereto from time to time, and the Company as amended through the date hereof
(the "CREDIT AGREEMENT") that (a) the Company has been in complete compliance
for the period from ____/____/____ to ____/____/____ (the "APPLICABLE FINANCIAL
STATEMENTS DATE") with the covenants of the Company contained therein, as
demonstrated below, and (b) no Default has occurred and is continuing as of the
date hereof, except, in either case, as noted below. All capitalized terms used
herein and not otherwise defined shall have the meanings prescribed therefor in
the Credit Agreement.

<TABLE>
<CAPTION>

---------------------------------------- ------------------------------------- -------------------------------
                                                                                           ACTUAL AS OF
               COVENANT                                REQUIRED                     ____________ ____, ______
---------------------------------------- ------------------------------------- -------------------------------
<S>                                      <C>                                   <C>
Financial Statements                     Quarterly w/in 45 days; and
                                         annually w/in 120 days
---------------------------------------- ------------------------------------- -------------------------------

All documents filed with SEC             Within 10 days after filing
---------------------------------------- ------------------------------------- -------------------------------

Maximum Ratio of Total Funded Debt to    2.5:1 at the end of any fiscal            ___.___:1 ($____________ to
Adjusted EBITDA                          quarter for the prior four            $____________)
                                         consecutive fiscal quarters
---------------------------------------- ------------------------------------- -------------------------------

Minimum Ratio of Adjusted EBITDA plus    1.05:1 at the end of each fiscal
rental payments in respect of the        quarter through 12/31/97 and then
Lease to Fixed Charges plus rental       1.25:1, at the end of each fiscal        ___.___:1 ($____________ to
payments in respect of the Lease         quarter thereafter, in each case,     $____________)
                                         for the prior four consecutive
                                         fiscal quarters
---------------------------------------- ------------------------------------- -------------------------------

Maximum Ratio of Total Funded Debt to    0.5:1 at the end of any fiscal            ___.___:1 ($____________ to
Capitalization                           quarter                               $____________)
---------------------------------------- ------------------------------------- -------------------------------

                                       10
<PAGE>

---------------------------------------- ------------------------------------- -------------------------------

Minimum Ratio of Current Assets to       1.25:1 at the end of any fiscal
Current Liabilities                      quarter, commencing with the fiscal       ___.___:1      ($__________
                                         quarter ending December 31, 1997      to  $____________)
---------------------------------------- ------------------------------------- -------------------------------

Minimum Tangible Net Worth               Required pursuant to Section 10.5
                                         of the Credit Agreement:              $____________
                                         $____________1
---------------------------------------- ------------------------------------- -------------------------------
</TABLE>


Comments Regarding Exceptions:

         Attached hereto are financial statements as of and for the fiscal
[quarter] [year] ended on the Applicable Financial Statements Date, which have
been certified by the (undersigned) [and Accountants] as required by Section
8.01(c) of the Credit Agreement.

Submitted by:

----------------------------------

Name:
     -----------------------------

Title:
      ----------------------------

Date:
     -----------------------------

--------
1 Insert amount equal to sum of (i) $22,500,000, plus (ii) seventy-five percent
(75%) of all cumulative consolidated Net Income of the Company after December
31, 1997, PROVIDED, that for purposes of this clause (ii) only positive
consolidated Net Income shall be included and any net losses shall be
disregarded, plus (iii) seventy-five percent (75%) of the net proceeds of any
public offering or private placement by the Company of shares of capital stock
of the Company. Such amount may be adjusted pursuant to terms of the Credit
Agreement with the written approval of the Agent.

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