EXHIBIT 10-13            AMENDMENT NO. 3 TO
                    REVOLVING CREDIT AGREEMENT


    THIS AMENDMENT NO. 3, dated as of December 31, 1996, is made by and
between ARTISTIC GREETINGS INCORPORATED a Delaware corporation (the
"Borrower") and MARINE MIDLAND BANK, a bank organized under the laws of the
State of New York (the "Bank").

                             RECITALS:

    WHEREAS, the Borrower and the Bank are parties to a Revolving Credit
Agreement, dated March 8, 1996, as amended by Amendment No. 1 to Revolving
Credit agreement dated May 30, 1996 and Amendment No. 2 to Revolving Credit
Agreement dated November 14, 1996 (as amended, the "Agreement"); and

    WHEREAS, the Borrower and the Bank desire to amend the Agreement as
originally executed for the purpose of modifying certain financial
covenants as set forth below.

    NOW THEREFORE, the parties hereto agree as follows:

ARTICLE 1.  DEFINED TERMS.

    Except as otherwise provided herein, all terms used herein and defined
in the Agreement shall have the meanings ascribed to such terms in the
Agreement.  The terms "Agreement," "hereunder," "herein," and similar
references in the Agreement shall be deemed to refer to the Agreement as
amended hereby.

ARTICLE 2.  AMENDMENT TO SECTION 7.1.

    The Agreement shall be amended by deleting Section 7.1 in its entirety
and substituting the following Section 7.1 in lieu thereof:

    SECTION 7.1  MINIMUM WORKING CAPITAL.  The Borrower will not at any
time permit current liabilities to exceed current assets by more than
$3,000,000.  For purposes of this section, all amounts outstanding under
the Revolving Credit Note shall be treated as long term debt.

ARTICLE 3.  AMENDMENT TO SECTION 7.4.

    The Agreement shall be amended by deleting Section 7.4 in its entirety
and substituting the following Section 7.4 in lieu thereof:

        SECTION 7.4 CURRENT RATIO.  The Borrower will maintain at all
        times a ratio of current assets to current liabilities of not
        less than .75 to 1.0.  For the purpose of this section, all
        amounts outstanding under the Revolving Credit Note shall be
        treated as long term debt.


ARTICLE 4.  REPRESENTATIONS AND WARRANTIES.

    The Borrower represents and warrants to the Bank (which representations
and warranties shall survive the execution and delivery of this Amendment)
that each of the Representations and Warranties of the Borrower contained
in Article IV of the Agreement is true and correct on the date hereof and
will be true and correct on the Effective Date as hereinafter defined.  For
purposes of this Article 4, where a Representation and Warranty contained
in the Agreement makes reference to the Agreement, the term "Agreement"
shall be deemed, where appropriate, to include the execution, delivery and
performance of this Amendment.

ARTICLE 5.  CONDITIONS PRECEDENT TO EFFECTIVENESS HEREOF.

    When this Amendment has been executed by the Bank and the Borrower and
lodged with the Bank, this Amendment shall be deemed to be effective (the
"Effective Date"), provided that each of the following conditions shall
have been satisfied in a manner satisfactory to the Bank:

    (a) All representations and warranties contained herein or otherwise
made in writing in connection herewith shall be true and correct with the
same force and effect as though the representations and warranties had been
made on the Effective Date.

    (b) There shall not exist on the Effective Date any Event of Default as
defined in Section 8.1 of the Agreement, or any event which with notice or
lapse of time, or both, would constitute such an Event of Default.

    (d) All corporate and legal proceedings necessary in connection with
the transactions contemplated by this Amendment shall have been completed
and the execution of this Amendment shall have been duly authorized.

    By executing this Amendment, the Borrower shall be deemed to have
certified to the Bank that all of the conditions specified in this Article
5 have been satisfied as of such date, and that the representations and
warranties set forth in Article 4 are true and correct as of such date.

ARTICLE 6.  SURVIVAL OF COVENANTS.

    All covenants, agreements, representations and warranties made herein
or concurrently with the execution and delivery hereof, and in certificates
given pursuant hereto, shall survive the execution and delivery of this
Amendment, and shall continue in full force and effect with respect to the
date as of which they were made as long as any indebtedness remains unpaid
hereunder or under the Agreement.

ARTICLE 7.  COSTS, EXPENSES AND TAXES.

     The Borrower agrees to pay on the Effective Date all costs and
expenses in connection with the preparation, execution, delivery, filing
and recording of any of the Loan Documents, including without limitation
the reasonable fees and out-of-pocket expenses of counsel for the Bank, and
local counsel who may be retained by said counsel, with respect thereto.
In addition, the Borrower shall pay any and all stamp and other taxes and
fees payable or determined to be payable in connection with the execution,
delivery, filing, and recording of any of the Loan Documents and the other
documents to be delivered (if any) under any such Loan Documents, and
agrees to save the Bank harmless from and against any and all liabilities
with respect to or resulting from any delay in paying or omission to pay
such taxes and fees.


ARTICLE 8.  AMENDMENTS.

    This Amendment may not be amended or modified except in writing signed
by the Borrower and the Bank.


ARTICLE 9.  SUCCESSORS AND ASSIGNS.

    This Amendment shall be binding upon and shall inure to the benefit of
the Borrower, the Bank and their respective successors and assigns,
including each successive holder or holders of the Note (or any interest
therein).


ARTICLE 10.  LIMITATION OF AMENDMENTS.

    The amendments set forth herein are limited precisely as written and
shall not be deemed to be a consent or any waiver of or modification of any
other term or condition of the Agreement, the Security Agreement or any of
the instruments or agreements referred to therein, or prejudice any right
or rights which the Bank may now have or may have in the future under or in
connection with the Agreement, the Security Agreement or any of the
instruments or agreements referred to therein.  Except as expressly
modified hereby, the terms and provisions of this Agreement and the
Security Agreement shall continue in full force and effect.



                               - 1 -

<PAGE>
    IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized as of the
day and year first above written.

                    ARTISTIC GREETINGS INCORPORATED

                By: /s/ Robert E. Johnson
                    Robert E. Johnson
                    Senior Vice President - Finance


                    MARINE MIDLAND BANK

                By: /s/ David Brooks
                    David Brooks
                    Vice President

                               - 2 -