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                                                                   EXHIBIT 10.43




                                AMENDMENT NO. I

       This Amendment No. 1 dated as of January 13, 1997 ("Agreement"), is
among Casa Old Restaurants, Inc., a Texas corporation ("Borrower") and
NationsBank of Texas, N.A. ("Bank").

                                  INTRODUCTION

       The Borrower and the Bank are parties to the Credit Agreement dated as
of July 10, 1996 (as modified, the "Credit Agreement"). The Borrower and the
Bank have agreed to make certain amendments to the Credit Agreement in
connection with the Borrower's request to enter into certain transactions.

       THEREFORE, in connection with the foregoing and for other good and
valuable consideration, the Borrower and the Bank hereby agree as follows:

       Section 1. Definitions, References. Unless otherwise defined in this
Agreement, each term used in this Agreement which is defined in the Credit
Agreement has the meaning assigned to such term in the Credit Agreement.

       Section 2. Amendment.

       (a)    Section 1.1 of the Credit Agreement is amended by replacing the
definition of "Funded Debt" in its entirety with the following:

              "Funded Debt" means with respect to any Person and as of any date
       of its determination, without duplication, (a) indebtedness of such
       Person for borrowed money, (b) obligations of such Person evidenced by
       notes, bonds, debentures, or other similar instruments, (c) obligations
       of such Person as lessee under Capital Leases, and (d) obligations of
       such Person to pay the deferred purchase price of property or services
       (other than trade debt and current operating liabilities incurred in the
       ordinary course of business); provided, however, that if there is any
       default, under the Guaranteed Note, the full unpaid amount of the
       Borrowers guaranty thereof shall be deemed to be Funded Debt for the
       purposes of this Agreement.
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       (b)    Section 1.1 of the Credit Agreement is amended by inserting in
appropriate alphabetical order the following definition:

              "Guaranteed Note" means the $425,000 promissory note dated
       January 6, 1997, made by Bogan Enterprises, Inc. and payable to the
       order of NationsBank of Texas, N.A.

       (c)    Section 1.1 of the Credit Agreement is amended by renumbering
the current subparagraph (c) of the definition of "Permitted Debt" as
subparagraph (e) and inserting as subparagraphs (c) and (d) to the definition
of "Permitted Debt" the following:

              (c)    Debt in the form of unsecured indebtedness not to exceed
       $750,000 incurred by the Borrower in connection with its purchase of its
       Victoria, Texas, franchise that is payable to the seller of such
       franchise;

              (d)    Debt in the form of the Borrower's guaranty of the
       Guaranteed Note provided that the principal amount of the indebtedness
       guaranteed thereunder shall not exceed $425,000; and

       (d)    Section 5.2 of the Credit Agreement is amended by renumbering the
current subparagraph (k) of such Section as subparagraph (1) and inserting as
subparagraph (k) the following:

              (k)    Guaranteed Note Default, Exercise of Guaranty. Promptly
       after obtaining knowledge thereof, notice of (i) any breach by David
       Bogan of any obligation under the Guaranteed Note, and (ii) any notice
       received from the payee of the (Guaranteed Note regarding its intent to
       exercise the Borrower's guarantee of such note, together with a copy of
       the same; and

       (e)    Section 5.10 of the Credit Agreement is amended by replacing such
section in its entirety with the following:

              Section 5.10 Distributions. The Borrower shall not (a) declare or
       pay any dividends; (b) purchase, redeem, retire, or otherwise acquire
       for value any of such Person's capital stock now or hereafter
       outstanding in an aggregate amount in excess of (i) prior to June 1,
       1998, and provided that at the time of the making thereof no Default
       exists, up to $1,000,000, and (ii) thereafter, provided that the
       Borrower has made purchases under subparagraph (b)(i) above in an
       aggregate total amount less than $500,000,




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       and further provided at the time of the making thereof no Default
       exists, the difference of (A) $500,000 less (B) the aggregate total
       amount of purchases made by the Borrower under subparagraph (b)(i)
       above; (c) make any distribution of assets to such Person's stockholders
       as such, whether in cash, assets, or in obligations of such Person; (d)
       allocate or otherwise set apart any sum for the payment of any dividend
       or distribution on, or for the purchase, redemption, or retirement of,
       any shares of such Person's capital stock (other than repurchases
       permitted in paragraph (b) above; or (e) make any other distribution by
       reduction of capital or otherwise in respect of any shares of such
       Person's capital stock.

       Section 3.    Representations and Warranties. The Borrower represents
and warrants that (a) the execution, delivery and performance of this Agreement
are within the corporate power and authority of the Borrower and have been duly
authorized by appropriate proceedings, (b) this Agreement constitutes legal,
valid, and binding obligations of the Borrower enforceable in accordance with
their terms, except as limited by applicable bankruptcy, insolvency,
reorganization, moratorium, or similar laws affecting the rights of creditors
generally and general principles of equity, and (c) upon the effectiveness of
this Agreement and the amendment of the Credit Documents as provided for
herein, no Event of Default shall exist under the Credit Documents and there
shall have occurred no event which with notice or lapse of time would become an
Event of Default under the Credit Documents, as amended.

       Section 4.    Effect on Credit Documents. Except as amended herein, the
Credit Agreement and all other Credit Documents remain in full force and effect
as originally executed. Nothing herein shall act as a waiver of the Bank's
rights under the Credit Documents as amended, including the waiver of any
default or event of default, however denominated. The Borrower must continue to
comply with the terms of the Credit Documents, as amended. This Agreement is a
Credit Document for the purposes of the provisions of the other Credit
Documents. Without limiting the foregoing, any breach of representations,
warranties, and covenants under this Agreement may be a default or event of
default under other Credit Documents.

       Section 5.    Effectiveness. This Agreement shall become effective and
the Credit Agreement shall be amended as provided in this Agreement effective
on the date first set forth above when the Borrower and the Bank shall have
duly and validly executed originals of this Agreement and the Borrower shall
have delivered the same to the Bank.


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       Section 6.    Miscellaneous. The miscellaneous provisions of the Credit
Agreement apply to this Agreement. This Agreement may be signed in any number
of counterparts, each of which shall be an original.

       THIS WRITTEN AGREEMENT AND THE CREDIT DOCUMENTS, AS DEFINED IN THIS
AGREEMENT, REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES.

       THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

       EXECUTED as of the date first above written.

                                           BORROWER:

                                           CASA OLE RESTAURANTS, INC.


                                           By:  STACY M. RIFFE                 
                                              ---------------------------------
                                           Name:  STACY M. RIFFE               
                                                -------------------------------
                                           Title:  VICE PRESIDENT              
                                                 ------------------------------



                                           BANK:

                                           NATIONSBANK OF TEXAS, N.A.

                                           By:   /s/ MARK W. MONTGOMERY   
                                              ---------------------------------
                                                 Mark W. Montgomery
                                                 Vice President




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