Exhibit 3.1(q)(iii)




           Prescribed by                     Charter #                
                                                      ----------------
     C-109 TED W. BROWN                      Approved by              
                                                        --------------
           Secretary of State                Date                     
                                                 ---------------------
                                             Fee $                    
                                                  --------------------

                            CERTIFICATE OF AMENDMENT 
                                (BY SHAREHOLDERS)
                      TO THE ARTICLES OF INCORPORATION OF 

                  Financial Exchange Company of Ohio, Inc.                    
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                             (Name of Corporation)

                                        ( ) Chairman of the Board
          Edward R. Larkin    , who is  (x) President    (check one)
     -------------------------
                                        ( ) Vice President

     and  Howard Topol Roberts, who is  (x) Secretary    (check one)
         ---------------------
                                        ( ) Assistant Secretary

     of the above named Ohio corporation for profit with its principal
     location at 1370 Ontario Street, Cleveland, Ohio do hereby certify
     that (check the appropriate box and complete the appropriate
     statements)

          [ ]  a meeting of the shareholders was duly called and held on
               _______________________, 19__, at which meeting a quorum of
               the shareholders was present in person or by proxy, and by
               the affirmative vote of the holders of shares entitling them
               to exercise ____________% of the voting power of the
               corporation, 

          [X]  in a writing signed by all of the shareholders who would be
               entitled to a notice of a meeting held for that purpose,

     the following resolution was adopted to amend the articles:
     Article Second of the Articles of Incorporation is amended in its
     entirety to read as follows:






     

               SECOND.  The place in Ohio where its principal
               office is to be located is 1370 Ontario Street,
               Cleveland, Cuyahoga County.


               IN WITNESS WHEREOF, the above named officers acting for and
     on behalf of the corporation, have subscribed their names this 8th day
     of April, 1986.

                                        /s/ Edward R. Larkin
                                        ------------------------------
                                             President


                                        /s/ Howard Topol Roberts
                                        ------------------------------
                                             Secretary





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