<PAGE>
Pricing Supplement dated December 31, 1998 Rule 424(b)(2)
(To Prospectus dated October 21, 1998 and File No. 333-64665
Prospectus Supplement dated November 13, 1998)
PENTEGRA DENTAL GROUP, INC.
Convertible Subordinated Notes, Series A
------------------------------------------------
Kline Dental Implant Institute, P.C.
Principal Amount: $74,000 Interest Rate: 6% per annum
Issue Price: Maturity Date: November 1, 2003
[X] 100% of Principal Amount Original Issue Date: December 30, 1998
[ ] % of Principal Amount Principal Payment Date(s): one-half on
November 1, 2002 and one-half on
November 1, 2003
Convertible Commencement Date: Initial Conversion Price: $6.75
November 1, 1999
Convertible Termination Date:
November 1, 2003
Optional Redemption Prices if redeemed during the 12-month period beginning
November 1, in the years indicated, expressed as a percentage of the
principal amount:
<TABLE>
<CAPTION>
Year Redemption Price
---- ----------------
<S> <C>
1999 ......... 100%
2000 ......... 100%
2001 ......... 100%
2002 ......... 100%
</TABLE>
End of Supplement
