Exhibit 10(f)


                     AMENDMENT TO INTERIM MERCHANT AGREEMENT


BANK:  Household Bank (SB), N.A.        MERCHANT:  Heilig-Meyers Company
       1111 Town Center Drive                      12560 West Creek Parkway
       Las Vegas, Nevada 89144                     Richmond, VA  23238

This Amendment to Interim Merchant  Agreement  ("Amendment") is made and entered
into as of the 14th day of November,  2000 by and between  Household  Bank (SB),
N.A. (herein  "Household") and Heilig-Meyers  Company,  a Virginia  corporation,
debtor and  debtor-in-possession  (herein  "Merchant")  and  amends the  Interim
Merchant  Agreement,  dated  September  13,  2000  by and  between  the  parties
("Interim Agreement").

         WHEREAS,  the Bankruptcy  Court entered an Order  approving the Interim
Agreement on September 13, 2000.

         WHEREAS,  under  its terms  the  Interim  Agreement  was  scheduled  to
terminate  60 days after its  Effective  Date in the event the  parties  had not
agreed to and executed a Definitive Agreement.

         WHEREAS,  the parties are near  agreement  on the terms of a Definitive
Agreement,  but such  agreement may not be finalized  and executed  prior to the
scheduled termination date of the Interim Agreement.

         WHEREAS, in order to finalize and execute the Definitive  Agreement the
parties have agreed to continue to operate pursuant to the Interim Agreement and
desire to amend and extend the Interim Agreement.

         NOW  THEREFORE,  in  consideration  of the  foregoing  and  the  mutual
promises,  covenants  and  agreements  set forth  below  and for other  good and
valuable  consideration,   the  receipt  and  sufficiency  of  which  is  hereby
acknowledged, the parties agree as follows:

Section 15 of the Interim Agreement is hereby amended and modified to substitute
"one hundred (100) days" in lieu of "sixty (60) days" in each and every instance
in which it appears in said Section.

All capitalized  terms not otherwise  defined herein shall have the same meaning
afforded them in the Interim Agreement.

Except as otherwise  modified  herein,  the terms and  conditions of the Interim
Agreement shall remain in full force and effect.

         IN  WITNESS   WHEREOF,   the  parties  have  caused  their   authorized
representatives to execute the Amendment to Interim Agreement as of the date set
forth above.

BANK:                                       MERCHANT:

HOUSEHOLD BANK (SB), N.A.                   HEILIG-MEYERS COMPANY

By: /s/ Joseph W. Hoff                      By: /s/David S. Herman
   -----------------------                     -------------------------
Print Name: Joseph W. Hoff                  Print Name: David S. Herman

Title:  Vice President                      Title: Senior Vice President -
                                                   Credit



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