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                                                                    EXHIBIT 4-7C


                           AMENDMENT TO LOAN DOCUMENTS

         THIS AMENDMENT TO LOAN DOCUMENTS (this "AMENDMENT") is made as of
September ___, 2000, by and between NEW JERSEY RESOURCES CORPORATION (the
"BORROWER"), and PNC BANK, NATIONAL ASSOCIATION (successor by merger to
Midlantic Bank, National Association) (the "BANK").

                                   BACKGROUND

         A. The Borrower and the Bank are parties to a certain Revolving Credit
Agreement and Term Loan Agreement, dated as of December 20, 1990, which has
heretofore been amended (as amended, the "ORIGINAL CREDIT AGREEMENT").

         B. The Loan Agreement provides for certain loans to the Borrower and,
as evidence of the loans, the Borrower has delivered its Revolving Credit
Promissory Note, dated December 20, 1990 (the "NOTE") to the Bank, in the
original principal amount of $20,000,000.00.

         C. The Borrower and the Bank desire to amend the Loan Documents (as
defined below) to provide for an increase in the principal amount available
under the Original Credit Agreement from $20,000,000 to $45,000,000 and as
otherwise provided for in this Amendment.

         NOW, THEREFORE, in consideration of the mutual covenants herein
contained and intending to be legally bound hereby, the parties hereto agree as
follows:

         1. Subject to the terms and conditions set forth herein, the Original
Credit Agreement is hereby amended as follows:

         (a) The first WHEREAS clause of the preamble is hereby amended and
         restated in its entirety to read as follows:

                           "WHEREAS, the Borrower wishes to be able to borrow
                  from the Lender, and the Lender is willing to lend, on a
                  revolving credit basis with a one year term loan pay-out, to
                  the Borrower an aggregate principal amount of up to
                  $45,000,000, the parties agree as follows."

         (b) The defined term "Commitment" in Section 1.1 is hereby amended and
         restated in its entirety to read as follows:

                           "Commitment" means the obligation of the Lender to
                  lend up to $45,000,000, as reduced in accordance with the
                  terms hereof.

         (c) The following definition is hereby added to Section 1.1 and shall
         be inserted in its correct alphabetical order:

                           "Original Credit Agreement" shall mean this Credit
                  Agreement as executed and delivered on December 20, 1990.
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         2. The Borrower hereby agrees to execute and deliver to the Bank an
Amended and Restated Revolving Credit Promissory Note in the face principal
amount of $45,000,000 (the "NOTE") as evidence of the Borrower's obligation to
repay the loans advanced by the Bank under the Line of Credit. The Original
Credit Agreement and the other Loan Documents are hereby amended such that each
reference therein to the "Note" shall be deemed to be a reference to the Note
executed in connection herewith.

         3. Any and all references to the Original Credit Agreement or the Note
in either such document or in any document or agreement executed in connection
therewith (collectively the "LOAN DOCUMENTS") shall be deemed to refer to the
Original Credit Agreement or the Note, as appropriate, as amended by this
Amendment. This Amendment is deemed incorporated into each of the Loan
Documents. Any initially capitalized terms used in this Amendment without
definition shall have the meanings assigned to those terms in the Loan
Documents. To the extent that any term or provision of this Amendment is or may
be inconsistent with any term or provision in any Loan Document, the terms and
provisions of this Amendment shall control.

         4. The Borrower hereby certifies that: (a) all of its representations
and warranties in the Loan Documents, as amended by this Amendment, are, except
as may otherwise be stated in this Amendment: (i) true and correct as of the
date of this Amendment, (ii) ratified and confirmed without condition as if made
anew, and (iii) incorporated into this Amendment by reference, (b) no Event of
Default or event which, with the passage of time or the giving of notice or
both, would constitute an Event of Default, exists under any Loan Document which
will not be cured by the execution and effectiveness of this Amendment, (c) no
consent, approval, order or authorization of, or registration or filing with,
any third party is required in connection with the execution, delivery and
carrying out of this Amendment or, if required, has been obtained, and (d) this
Amendment has been duly authorized, executed and delivered so that it
constitutes the legal, valid and binding obligation of the Borrower, enforceable
in accordance with its terms. The Borrower confirms that the Indebtedness and
other obligations under the Loan Agreement and the Note remain outstanding
without defense, set off, counterclaim, discount or charge of any kind as of the
date of this Amendment.

         5. It shall be a condition precedent to the effectiveness of this
Amendment and to the amendment of terms of the Original Credit Agreement as
herein set forth that:

         (a) The Borrower shall deliver to the Bank the following items, each,
         unless otherwise indicated, dated on or before the date hereof and in
         form and substance satisfactory to the Bank and its counsel::

                  (i)      A duly executed counterpart original of this
                           Amendment;

                  (ii)     The duly executed original Note;

                  (iii)    Payment by the Borrower of all legal fees and
                           expenses incurred by the Bank in connection with this
                           Amendment and the Note;

                  (iv)     A certified copy of the corporate action of the
                           Borrower authorizing the execution and delivery of,
                           and performance under, this Amendment and the Note;


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                  (v)      A certificate of the secretary or assistant secretary
                           of the Borrower certifying the names of the persons
                           authorized to sign this Amendment and the Note
                           together with the true signatures of such persons;

                  (vi)     A certificate of the Chief Financial Officer of the
                           Borrower certifying that the statements set forth in
                           Section 4 of this Amendment are true and correct as
                           of the date hereof;

                  (vii)    No event has occurred with respect to the Borrowers
                           which would reasonably be likely to cause a Material
                           Adverse Change on the Borrower; and there shall be
                           delivered to the Bank a certificate dated as of the
                           date hereof and signed by the Chief Executive
                           Officer, President, Chief Financial Officer or Vice
                           President of the Borrower to such effect;

         (b) The following statements shall be true and correct on the Amendment
         Effective Date and the Agent shall have received a certificate signed
         by an authorized officer of each of the Borrowers, dated the Amendment
         Effective Date, stating that:

                  (i)      The representations and warranties contained in
                           Section 4 of this Amendment and in the other Loan
                           Documents with respect to the Borrower are true and
                           correct on and as of the Amendment Effective Date as
                           though made on and as of such date;

                  (ii)     No petition by or against the Borrower has been
                           filed, and remains open, unresolved or pending ,
                           under the United States Bankruptcy Code or under any
                           similar act;

                  (iii)    No Event of Default, or event which, with the passage
                           of time or the giving of notice or both, would become
                           an Event of Default, has occurred and is continuing,
                           or would result from the execution of this Amendment;

                  (iv)     The Borrower has in all material respects performed
                           all agreements, covenants and conditions required to
                           be performed on or prior to the date hereof under the
                           Original Credit Agreement, as amended hereby, and the
                           other Loan Documents;

         6. This Amendment may be signed in any number of counterpart copies and
by the parties to this Amendment on separate counterparts, but all such copies
shall constitute one and the same instrument. Delivery of an executed
counterpart of a signature page to this Amendment by facsimile transmission
shall be effective as delivery of a manually executed counterpart. Any party so
executing this Amendment by facsimile transmission shall promptly deliver a
manually executed counterpart, provided that any failure to do so shall not
affect the validity of the counterpart executed by facsimile transmission.

         7. This Amendment will be binding upon and inure to the benefit of the
Borrower and the Bank and their respective heirs, executors, administrators,
successors and assigns.


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         8. This Amendment has been delivered to and accepted by the Bank and
will be deemed to be made in the State where the Bank's office indicated in the
Loan Documents is located. This Amendment will be interpreted and the rights and
liabilities of the parties hereto determined in accordance with the laws of the
State where the Bank's office indicated in the Loan Documents is located,
excluding its conflict of laws rules.

         9. Except as amended hereby, the terms and provisions of the Loan
Documents remain unchanged, are and shall remain in full force and effect unless
and until modified or amended in writing in accordance with their terms, and are
hereby ratified and confirmed. Except as expressly provided herein, this
Amendment shall not constitute an amendment, waiver, consent or release with
respect to any provision of any Loan Document, a waiver of any default or Event
of Default under any Loan Document, or a waiver or release of any of the Bank's
rights and remedies (all of which are hereby reserved). THE BORROWER EXPRESSLY
RATIFIES AND CONFIRMS THE WAIVER OF JURY TRIAL PROVISIONS (IF ANY) CONTAINED IN
THE LOAN DOCUMENTS.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]




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         WITNESS the due execution of this Amendment to Loan Documents as a
document under seal as of the date first written above.

WITNESS / ATTEST:                        NEW JERSEY RESOURCES CORPORATION


                                         By:                              (SEAL)
--------------------------------            ------------------------------
                                         Name:
                                              ----------------------------------
                                         Title:
                                               ---------------------------------


                                         PNC BANK, NATIONAL ASSOCIATION



                                         By:                              (SEAL)
--------------------------------            ------------------------------
                                                  Brian M. Begg
                                                  Vice President





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