EXHIBIT 3.1.1




                           CERTIFICATION OF AMENDMENT
                                       OF
                            ARTICLES OF INCORPORATION
                                       OF
                         ELECTRONIC CLEARING HOUSE, INC.


ELECTRONIC CLEARING HOUSE, INC., a corporation organized under the laws of the
State of Nevada, by its President and Corporate Secretary does hereby certify:

That the board of directors of said corporation at a meeting duly convened and
held on the 17th day of May, 1990, passed a resolution declaring that the
following change and amendment in the Articles of Incorporation is advisable:

RESOLVED, that Article "Fourth" of the Company's Articles of Incorporation be
amended to read as follows:

"FOURTH: The amount of the total authorized capital stock of the Corporation is
One Hundred Fifty Thousand dollars ($150,000) which shall consist of Ten Million
(10,000,000) shares of Common stock of the par value One Cent ($.01) each and
Five Million (5,000,000) shares of Preferred stock having a par value of One
Cent ($.01) each."

The Board also adopted the following resolution:

RESOLVED, that each share of the Company's present Common stock with a par value
of One mil ($.001) currently issued and outstanding shall be surrendered and
canceled and exchanged for the equivalent of One-eleventh (1/11) share (with
fractional shares rounded off to the next additional share) of the new Common
stock of the Company with a par value of One Cent ($.01) each without in any way
reducing, dividing, distributing or withdrawing the existing stated capital of
the Corporation.

That the number of shares of the corporation outstanding and entitled to vote on
an Amendment to the Articles of Incorporation is Thirty-Eight Million Six
Thousand (38,006,000) shares, at a par value of $.001, that the said change and
amendment has been consented to and authorized by the written consent of
stockholders holding Twenty-Two Million One Hundred Ninety-One Thousand Four
Hundred Eighty-Seven (22,191,487) shares constituting 58.4% of the stockholders'
holding all shares of stock outstanding and entitled to vote thereon.

IN WITNESS WHEREOF, the said ELECTRONIC CLEARING HOUSE, INC., has caused this
certificate to be signed by its President and its Corporate Secretary and its
corporate seal to be hereto affixed this 20th day of June, 1990.

ELECTRONIC CLEARING HOUSE, INC.

Donald R. Anderson, President
Tammy J. Miller, Corporate Secretary