Document:

Exhibit 10.4

                       FIRST AMENDMENT TO MASTER AGREEMENT
                       -----------------------------------

     This First Amendment to Master  Agreement,  dated as of July 31, 2000 (this
"Amendment"),  is among  DOLLAR  GENERAL  CORPORATION,  a Tennessee  corporation
 ---------
("Dollar"),  ATLANTIC  FINANCIAL GROUP,  LTD., a Texas limited  partnership (the
  ------
"Lessor"),  THREE  PILLARS  FUNDING  CORPORATION,  a Delaware  corporation  (the
 ------
"Lender"), certain financial institutions parties hereto as liquidity banks (the
 ------
"Liquidity Banks"), SUNTRUST BANK, a Georgia banking corporation (formerly known
 ---------------
as SunTrust Bank,  Nashville,  N.A.), as agent for the Lender (in such capacity,
the "Agent")  and for the  Liquidity  Banks (in such  capacity,  the  "Liquidity
     -----                                                             ---------
Agent"), and SUNTRUST EQUITABLE SECURITIES CORPORATION, a Tennessee corporation,
-----
as administrator (the "Administrator").
                       -------------

                                   BACKGROUND
                                   ----------

1. Dollar,  certain  subsidiaries of Dollar,  the Lessor, the Lender, the Agent,
the  Liquidity  Agent,  the  Liquidity  Banks,  First Union  National  Bank,  as
Syndication  Agent,  Bank of America,  National  Association,  as  Documentation
Agent,  Bank One, NA (formerly  known as The First National Bank of Chicago) and
Wachovia Bank,  N.A., as Co-Agents,  and the  Administrator  are parties to that
certain Master Agreement, dated as of June 11, 1999 (the "Master Agreement").
                                                          ----------------

2. The parties hereto desire to amend the Master  Agreement in certain  respects
as set forth herein.

     NOW,  THEREFORE,  in  consideration  of the  foregoing  and other  good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, the parties hereto hereby agree as follows:

1. SECTION  Definitions.  Capitalized  terms  used  in  this  Amendment  and not
            -----------
otherwise  defined herein shall have the meanings assigned thereto in the Master
Agreement.

2. SECTION  Consolidated Debt to Total Capitalization Ratio.  Section 5.1(m)(ii)
            -----------------------------------------------
of the Master  Agreement is hereby  deleted in its  entirety  and the  following
shall be substituted therefor:

<PAGE>

          (ii) Consolidated Funded Debt to Consolidated  EBITDAR Ratio.  Permit,
               -------------------------------------------------------
               as  of  the  last  day  of  any  fiscal  quarter,  the  ratio  of
               Consolidated  Funded Debt to  Consolidated  EBITDAR to be greater
               than 2.0 to 1.0.

3. SECTION  Definition.  Appendix A to the Master Agreement is hereby amended by
            ----------
adding the following definition thereto in the appropriate alphabetical order:

          "Consolidated  EBITDAR" shall mean for any fiscal period of Dollar, an
           ---------------------
          amount equal to Consolidated EBITR, plus (i) consolidated depreciation
          and (ii)  consolidated  amortization,  all as determined in accordance
          with GAAP.

4. SECTION Representations and Warranties.  Dollar hereby represents and warrant
           ------------------------------
that, after giving effect to this Amendment (i) each representation and warranty
of each Lessee  contained in the Operative  Documents is true and correct in all
Material  respects  on and as of the date hereof as though made on and as of the
date hereof,  except to the extent such  representations  or  warranties  relate
solely to an earlier date,  in which case such  representations  and  warranties
were true and correct in all Material  respects on and as of such earlier  date,
(ii) no Event of  Default,  Potential  Event of  Default or  Construction  Force
Majeure Event has occurred and is continuing,  (iii) each Operative  Document to
which any Lessee is a party is in full force and effect  with  respect to it and
(iv) no event that  could  reasonably  be  expected  to have a Material  Adverse
Effect has occurred since January 29, 1999.

5. SECTION  Reaffirmation of Guaranty.  Dollar hereby reaffirms and acknowledges
            -------------------------
that, after giving effect to this Amendment,  the Guaranty  Agreement remains in
full force and effect.

6. SECTION  Miscellaneous. This Amendment shall be governed by, and construed in
            -------------
accordance  with,  the laws of the State of  Tennessee.  This  Amendment  may be
executed by the parties hereto in separate counterparts (including by facsimile)
each of which when so executed and delivered shall be an original,  but all such
counterparts  shall together  constitute one and the same agreement.  The Master
Agreement, as amended hereby, remains in full force and effect. Any reference to
the Master  Agreement from and after the date hereof shall be deemed to refer to
the Master  Agreement as amended  hereby,  unless  otherwise  expressly  stated.
Dollar hereby agrees to pay, or promptly  reimburse the Agent for, all costs and
expenses  incurred by the Agent in connection  with this  Amendment,  including,
without limitation, all reasonable attorneys' fees and disbursements.

<PAGE>

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

                             DOLLAR GENERAL CORPORATION, as a
                             Lessee and as Guarantor

                             By:
                                --------------------------------------

                             Name Printed:
                                          ----------------------------

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

<PAGE>

                             ATLANTIC FINANCIAL GROUP, LTD.,  as
                             Lessor

                             By:  Atlantic Financial Managers,
                                  Inc., its General Partner

                             By:
                                 ------------------------------------
                                 Name Printed: Stephen Brookshire
                                 Title: President

                             SUNTRUST BANK (formerly known as
                             SunTrust Bank, Nashville, N.A.), as
                             Agent, Liquidity Agent and as a
                             Liquidity Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             THREE PILLARS FUNDING CORPORATION, as
                             Lender

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             BANK ONE, NA (formerly known as The
                             First National Bank of Chicago), as a
                             Liquidity Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

<PAGE>

                             BARCLAYS BANK, PLC, as a Liquidity
                             Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             FIRSTAR BANK, N.A., as a Liquidity
                             Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             PNC BANK, N.A., as a Liquidity Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             FIRST UNION NATIONAL BANK, as a
                             Liquidity Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

<PAGE>

                             WACHOVIA BANK, N.A., as a Liquidity
                             Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             BANK OF AMERICA, NATIONAL
                             ASSOCIATION, as a Liquidity Bank

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

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

                             SUNTRUST EQUITABLE SECURITIES
                             CORPORATION, as Administrator

                             By:
                                 ------------------------------------

                             Name Printed:
                                           --------------------------

                             Title:
                                    ---------------------------------Exhibit 10.5

                       THIRD AMENDMENT TO CREDIT AGREEMENT
                       -----------------------------------

     ENTERED INTO as of this 31st day of July,  2000 by and among DOLLAR GENERAL
CORPORATION,  a Tennessee  corporation  (the  "Borrower"),  and  SUNTRUST  BANK,
successor-in-interest  to SunTrust Bank,  Nashville,  N.A. ("SunTrust") and such
other banks and lending  institutions  as shown on the  signature  pages  hereto
(collectively   referred   to   as   the   "Lenders"),    and   SUNTRUST   BANK,
successor-in-interest  to SunTrust  Bank,  Nashville,  N.A.,  in its capacity as
agent for the Lenders (the "Agent").

                                    RECITALS:

     1. The  Borrower,  the  Lenders,  and the  Agent  are  parties  to a Credit
Agreement  dated  September 2, 1997,  as amended by a First  Amendment to Credit
Agreement  dated July 31, 1998,  and as amended by a Second  Amendment to Credit
Agreement dated April 29, 1999 (herein the Credit Agreement,  as amended,  shall
be referred to as the "Credit Agreement").

     2. The  Borrower,  the  Lenders,  and the Agent  desire to amend the Credit
Agreement as set forth herein.

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

     1.  Section  1.1. of the Credit  Agreement  shall be amended as of the date
hereof to include the following definition of "Consolidated EBITDAR":

          "Consolidated  EBITDAR"  shall  mean  for  any  fiscal  period  of the
           ---------------------
          Borrower, an amount equal to Consolidated EBITR, plus (i) consolidated
          depreciation and (ii) consolidated amortization,  all as determined in
          accordance with GAAP.

     2. Section 7.1.(b), Consolidated Funded Debt to Total Capitalization Ratio,
                         ------------------------------------------------------
of the Credit  Agreement  shall be deleted in its entirety and replaced with the
following as of the date hereof:

          (b)  Consolidated Funded Debt to Consolidated  EBITDAR Ratio.  Permit,
               -------------------------------------------------------
               as  of  the  last  day  of  any  fiscal  quarter,  the  ratio  of
               Consolidated  Funded Debt to  Consolidated  EBITDAR to be greater
               than 2.0 to 1.0.

     3. The Borrower  reaffirms its obligations under the Credit Agreement,  and
the Borrower agrees that such obligations are valid and binding,  enforceable in
accordance with their terms, subject to no defense, counterclaim, or objection.

<PAGE>

     4. This Agreement may be signed in counterparts.

                              BORROWER:
                              ---------

                              DOLLAR GENERAL CORPORATION

                              By:
                                 ---------------------------------------

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

                              AGENT:
                              ------

                              SUNTRUST BANK

                              By:
                                 ---------------------------------------

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

                              LENDERS:
                              --------

                              SUNTRUST BANK

                              By:
                                 ----------------------------------------

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

                              FIRST UNION NATIONAL BANK

                              By:
                                 ---------------------------------------

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

<PAGE>

                              WACHOVIA BANK, N.A.

                              By:
                                 ---------------------------------------

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

                              BANK OF AMERICA, N.A.

                              By:
                                 ---------------------------------------

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

                              MORGAN GUARANTY TRUST
                              COMPANY OF NEW YORK

                              By:
                                 ---------------------------------------

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

                              BANK ONE, N.A.

                              By:
                                 ---------------------------------------

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

                              AMSOUTH BANK

                              By:
                                 ---------------------------------------

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

<PAGE>

                              FIFTH THIRD BANK

                              By:
                                 ---------------------------------------

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

                              KEY BANK NATIONAL ASSOCIATION

                              By:
                                 ---------------------------------------

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

                              FIRSTAR BANK, N.A.

                              By:
                                 ---------------------------------------

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

                              PNC BANK, N.A.

                              By:
                                 ---------------------------------------

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

                              UNION PLANTERS BANK OF
                              MIDDLE TENNESSEE, N.A.

                              By:
                                 ---------------------------------------

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

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