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                                                                   EXHIBIT 10.29


                               SECOND AMENDMENT TO
                   SECOND AMENDED AND RESTATED LOAN AGREEMENT



         THIS SECOND AMENDMENT TO SECOND AMENDED AND RESTATED LOAN AGREEMENT
(this "Amendment") is executed as of March 9, 2000, by and among MONARCH DENTAL
CORPORATION, a Delaware corporation ("Borrower"), BANK OF AMERICA, N.A., a
national banking association ("Administrative Agent"), as administrative agent,
and the entities from time to time designated as "Lenders" under the Loan
Agreement (herein defined) ("Lenders"), and is consented to by the GUARANTORS
listed on the signature pages attached hereto.


                              W I T N E S S E T H:


         WHEREAS, Borrower, Administrative Agent and Lenders entered into that
certain Second Amended and Restated Loan Agreement, dated as of June 30, 1999,
pursuant to which Lenders agreed to make the Credit Facility (as therein
defined) available to Borrower (as heretofore or hereafter amended, the "Loan
Agreement")(each capitalized term used but not otherwise defined herein shall
have the same meaning given to it in the Loan Agreement); and

         WHEREAS, Borrower has requested that Administrative Agent and Lenders
clarify the definition of Consolidated Current Maturities contained in the Loan
Agreement; and

         WHEREAS, subject to the terms and conditions contained herein,
Administrative Agent and the Lenders have agreed to such request.

         NOW, THEREFORE, in consideration of the covenants, conditions and
agreements hereinafter set forth, and for other good and valuable consideration,
the receipt and adequacy of which are all hereby acknowledged, Borrower,
Administrative Agent and Lenders hereby covenant and agree as follows:

                             ARTICLE I - AMENDMENTS

         Section 1.1. Modification of Definition. The following definition
contained in Section 1.1 of the Loan Agreement is hereby deleted and replaced
with the following:

                  Consolidated Current Maturities means, with respect to
         Borrower and its Subsidiaries, on any date of calculation, the current
         portion of the long term debt (excluding the Credit Facility and any
         Short Term Debt then outstanding) of Borrower and its Subsidiaries on a
         consolidated basis, determined in accordance with GAAP.



SECOND AMENDMENT TO SECOND AMENDED
AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 1

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                           ARTICLE II - MISCELLANEOUS

         Section 2.1. Closing. The closing (the "Closing") of the transactions
contemplated by this Amendment shall occur on and as of the date that all
conditions hereto contained in Section 2.2 of this Amendment have been satisfied
(the "Modification Closing Date").

         Section 2.2. Conditions to the Closing. As conditions precedent to the
Closing, Borrower, each Guarantor and Required Lenders shall have executed and
delivered this Amendment.

         Section 2.3. Continuing Effect. Except as modified and amended hereby,
the Loan Agreement and other Loan Documents are and shall remain in full force
and effect in accordance with their terms.

         Section 2.4. Representations and Warranties. Borrower hereby represents
and warrants to Administrative Agent and the Lenders that (i) except as has been
disclosed by Borrower to Administrative Agent in writing, all representations
and warranties made by Borrower in the Loan Agreement as of the date thereof are
true and correct as of the date hereof, as if such representations and
warranties were recited herein in their entirety and (ii) Borrower is not in
default of any covenant or agreement contained in the Loan Agreement.

         Section 2.5. Payment of Expenses. Borrower agrees to pay to
Administrative Agent the reasonable attorneys' fees and expenses of
Administrative Agent's counsel and other expenses incurred by Administrative
Agent in connection with this Amendment.

         Section 2.6. Binding Agreement. This Amendment shall be binding upon,
and shall inure to the benefit of, the parties' respective representatives,
successors and assigns.

         Section 2.7. Ratification. Except as otherwise expressly modified by
this Amendment, all terms and provisions of the Loan Agreement, the Notes and
the other Loan Documents, shall remain unchanged and hereby are ratified and
confirmed and shall be and shall remain in full force and effect, enforceable in
accordance with their terms.

         Section 2.8. No Defenses. Borrower and each Guarantor, by its execution
of this Amendment, hereby declares that it has no set-offs, counterclaims,
defenses or other causes of action against Administrative Agent or any Lender
arising out of the Credit Facility, the modification of the Credit Facility, any
documents mentioned herein or otherwise; and, to the extent any such set-offs,
counterclaims, defenses or other causes of action may exist, whether known or
unknown, such items are hereby waived by Borrower and each Guarantor.



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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 2

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         Section 2.9. Further Assurances. The parties hereto shall execute such
other documents as may be necessary or as may be required, in the opinion of
counsel to Administrative Agent, to effect the transactions contemplated hereby
and the liens and/or security interests of all other collateral instruments, as
modified by this Amendment. Borrower also agrees to provide to Administrative
Agent such other documents and instruments as Lenders reasonably may request in
connection with the modification of the Credit Facility effected hereby.

         Section 2.10. Usury Savings Clause. Notwithstanding anything to the
contrary in this Amendment, the Notes or any other Loan Document, or in any
other agreement entered into in connection with the Notes or securing the
indebtedness evidenced by the Notes, whether now existing or hereafter arising
and whether written or oral, it is agreed that the aggregate of all interest and
other charges constituting interest, or adjudicated as constituting interest,
and contracted for, chargeable or receivable under the Notes or otherwise in
connection with the Notes shall under no circumstances exceed the maximum rate
of interest permitted by applicable law. In the event the maturity of the Notes
is accelerated by reason of an election by any of the holders thereof resulting
from a default thereunder or under any other document executed as security
therefor or in connection therewith, or by voluntary prepayment by the maker, or
otherwise, then earned interest may never include more than the maximum rate of
interest permitted by applicable law. If from any circumstance any holder of any
of the Notes shall ever receive interest or any other charges constituting
interest, or adjudicated as constituting interest, the amount, if any, which
would exceed the maximum rate of interest permitted by applicable law shall be
applied to the reduction of the principal amount owing on such Notes or on
account of any other principal indebtedness of the maker to the holders of such
Notes, and not to the payment of interest, or if such excessive interest exceeds
the unpaid balance of principal thereof and such other indebtedness, the amount
of such excessive interest that exceeds the unpaid balance of principal thereof
and such other indebtedness shall be refunded to the maker. All sums paid or
agreed to be paid to the holders of the Notes for the use, forbearance or
detention of the indebtedness of the maker to the holders of such Notes shall be
amortized, prorated, allocated and spread throughout the full term of such
indebtedness until payment in full for the purpose of determining the actual
rate on such indebtedness is uniform throughout the term thereof.

                  The terms "maximum amount" or "maximum rate" as used in this
Amendment or the Notes, or in any other agreement entered into in connection
with the Notes or securing the indebtedness evidenced by the Notes, whether now
existing or hereafter arising and whether written or oral, include, as to
Chapter 303 of the Texas Finance Code (and as same may be incorporated by
reference in other statutes of the State of Texas), but otherwise without
limitation, that rate based upon the "weekly ceiling"; provided, however, that
this designation shall not preclude the rate of interest contracted for, charged
or received in connection with the Credit Facility from being governed by, or
construed in accordance with, any other state or federal law, including but not
limited to, Public Law 96-221.



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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 3

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         Section 2.11. Non-Waiver of Events of Default. Neither this Amendment
nor any other document executed in connection herewith constitutes or shall be
deemed (a) a waiver of, or consent by Administrative Agent or any Lender to, any
default or event of default which may exist or hereafter occur under any of the
Loan Documents, (b) a waiver by Administrative Agent or any Lender of any of
Borrower's obligations under the Loan Documents, or (c) a waiver by
Administrative Agent or any Lender of any rights, offsets, claims, or other
causes of action that any Lender may have against Borrower.

         Section 2.12. Enforceability. In the event the enforceability or
validity of any portion of this Amendment, the Loan Agreement, the Notes, or any
of the other Loan Documents is challenged or questioned, such provision shall be
construed in accordance with, and shall be governed by, whichever applicable
federal or Texas law would uphold or would enforce such challenged or questioned
provision.

         Section 2.13. Counterparts. This Amendment may be executed in several
counterparts, all of which are identical, each of which shall be deemed an
original, and all of which counterparts together shall constitute one and the
same instrument, it being understood and agreed that the signature pages may be
detached from one or more of such counterparts and combined with the signature
pages from any other counterpart in order that one or more fully executed
originals may be assembled.

         Section 2.14. Choice of Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS, EXCEPT TO THE
EXTENT FEDERAL LAWS PREEMPT THE LAWS OF THE STATE OF TEXAS.

         Section 2.15. Entire Agreement. This Amendment and the other Loan
Documents, contain the entire agreements between the parties relating to the
subject matter hereof and thereof. This Amendment and the other Loan Documents
may be amended, revised, waived, discharged, released or terminated only by a
written instrument or instruments, executed by the party against which
enforcement of the amendment, revision, waiver, discharge, release or
termination is asserted. Any alleged amendment, revision, waiver, discharge,
release or termination which is not so documented shall not be effective as to
any party.

         THIS AMENDMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL
AGREEMENT BETWEEN THE PARTIES RELATED TO THE SUBJECT MATTER HEREIN CONTAINED 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.



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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 4

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                     [REMAINDER OF PAGE INTENTIONALLY BLANK.
                      SIGNATURES FOUND ON FOLLOWING PAGES.]



SECOND AMENDMENT TO SECOND AMENDED
AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 5

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         IN WITNESS WHEREOF, this Amendment is executed effective as of the date
first written above.

                                      BORROWER:


                                      MONARCH DENTAL CORPORATION,
                                      a Delaware corporation


                                      By:
                                      Name:
                                      Title:


                                      ADMINISTRATIVE AGENT:


                                      BANK OF AMERICA, N.A., a national banking
                                      association, as Administrative Agent


                                      By:
                                      Name:
                                      Title:


                                      LENDERS:


                                      BANK OF AMERICA, N.A., a national banking
                                      association,



                                      By:
                                      Name:
                                      Title:


SECOND AMENDMENT TO SECOND AMENDED
AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 6

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                                      FLEET NATIONAL BANK,
                                      a national banking association


                                      By:
                                      Name:
                                      Title:

                                      COOPERATIEVE CENTRALE RAIFFEISEN-
                                      BOERENLEENBANK B.A., "Rabobank Nederland",
                                      New York Branch


                                      By:
                                      Name:
                                      Title:


                                      By:
                                      Name:
                                      Title:



SECOND AMENDMENT TO SECOND AMENDED
AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 7

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         CONSENT OF GUARANTORS


Each Guarantor hereby (a) acknowledges its consent to this Agreement and the
changes to the Credit Facility effected hereby, (b) ratifies and confirms all
terms and provisions of its respective Guaranty and the security instruments
relating to the Collateral , (c) agrees that such Guaranty and security
instruments are and shall remain in full force and effect, (d) acknowledges that
there are no claims or offsets against, or defenses or counterclaims to, the
terms and provisions of and the obligations created and evidenced by such
Guaranty or security instruments, (e) reaffirms all agreements and obligations
under such Guaranty and such security instruments with respect to the Credit
Facility, the Notes, this Agreement and all other documents, instruments or
agreements governing, securing or pertaining to the Credit Facility, as the same
may be modified by this Agreement, (f) and acknowledges that the Obligations
described in this Agreement are the guaranteed obligations under such Guaranty
and are the obligations secured by such security instruments and (g) represents
and warrants that all requisite corporate or partnership action necessary for it
to execute this Agreement has been taken.

         EXECUTED as of the 9th day of March, 2000.


           GUARANTORS:

           Managed Dental Care Centers, Inc., a Texas corporation
           Monarch Dental Associates (Arkansas), Inc.,  an Arkansas
           corporation (f/k/a United Dental Care, Inc.)
           Dental Care One (Monarch), Inc., an Ohio corporation
           Midwest Dental Management, Inc., a Wisconsin corporation
           Dental Centers of Indiana (Monarch), Inc., an Indiana corporation;
           Midwest Dental Care, Mondovi, Inc., a Wisconsin corporation;
           Midwest Dental Care, Sheboygan, Inc., a Wisconsin corporation;
           Monarch Dental Management, Inc., a Texas corporation;
           Three Peaks Dental Management, Inc., a Colorado corporation;
           Monarch Dental Associates (Utah), Inc., a Utah corporation




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


           MacGregor Dental Associates, L.P., a Texas limited partnership

           By:      Monarch Dental Management, Inc., a Texas
                    corporation, its general partner


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


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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 8

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          Monarch Dental Associates, L.P., a Texas limited partnership

          By:      Monarch Dental Management, Inc., a Texas
                   corporation, its general partner


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

          Monarch Dental (Press) Associates, L.P., a Texas limited
          partnership

          By:      Monarch Dental Management, Inc., a Texas
                   corporation, its general partner


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

          Monarch Dental Associates (Midland/Odessa), L.P., a Texas
          limited partnership

          By:      Monarch Dental Management, Inc., a Texas
                   corporation, its general partner


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

          Monarch Dental Associates (Abilene), L.P., a Texas limited
          partnership

          By:      Monarch Dental Management, Inc., a Texas
                   corporation, its general partner

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


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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 9

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           Monarch Dental Associates (Arizona), L.L.C., an Arizona
           limited liability company

           By:      Monarch Dental Associates (Utah), Inc., a Utah
                    corporation, its manager


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


           Partners Dental Corporation, a Delaware corporation


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


           Valley Forge Dental Associates, Inc.,
           a Delaware corporation


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


           VFD of Pennsylvania, Inc.,
           a Delaware corporation


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


           Horizon Group International, Inc.,
           an Ohio corporation


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



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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 10

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           Precise Dental Lab, Inc.,
           an Ohio corporation

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


           VFD of Georgia, Inc.,
           a Delaware corporation


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


           VFD of Pittsburgh, Inc.,
           a Pennsylvania corporation


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


           Pro Dent, Inc.,
           a Pennsylvania corporation


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


           VFD Realty, Inc.,
           a Delaware corporation

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



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AND RESTATED LOAN AGREEMENT (Monarch Dental)    Page 11