-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 WPxFCWyuB/Y6DkPxVpbuNch4yQ12W4NaBAe8HMf3kxOM2vuHyjxQNrayOQLkmk3u
 9D61NaMP3sT5oDwGfigV+A==

<SEC-DOCUMENT>0001181431-03-030020.txt : 20031110
<SEC-HEADER>0001181431-03-030020.hdr.sgml : 20031110
<ACCEPTANCE-DATETIME>20031110161634
ACCESSION NUMBER:		0001181431-03-030020
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031110
FILED AS OF DATE:		20031110

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WORLD ACCEPTANCE CORP
		CENTRAL INDEX KEY:			0000108385
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		IRS NUMBER:				570425114
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			0331

	BUSINESS ADDRESS:	
		STREET 1:		108 FREDRICK STREET
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8642989800

	MAIL ADDRESS:	
		STREET 1:		P O BOX 6429
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29606

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WORLD FINANCE CORP
		DATE OF NAME CHANGE:	19700210

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GARDNER CHARLES F JR
		CENTRAL INDEX KEY:			0001255984

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19599
		FILM NUMBER:		03988554

	BUSINESS ADDRESS:	
		STREET 1:		7410 BLANCO RD
		STREET 2:		SUITE 103
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78216
		BUSINESS PHONE:		2103444923

	MAIL ADDRESS:	
		STREET 1:		7410 BLANCO RD
		STREET 2:		SUITE 103
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78216
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd22341.xml
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-11-10</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000108385</issuerCik>
        <issuerName>WORLD ACCEPTANCE CORP</issuerName>
        <issuerTradingSymbol>WRLD</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001255984</rptOwnerCik>
            <rptOwnerName>GARDNER CHARLES F JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>7410 BLANCO RD. SUITE 103</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>SAN ANTONIO</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>78216</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Senior Vice President</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>common stock, no par value</value></securityTitle><transactionDate><value>2003-11-06</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>2500</value></transactionShares><transactionPricePerShare><value>13.00</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></o
wnershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>common stock, no par value</value></securityTitle><transactionDate><value>2003-11-06</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>2500</value></transactionShares><transactionPricePerShare><value>6.69</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>common stock, no par value</value></securityTitle><transactionDate><value>2003-11-06</value></t
ransactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>5000</value></transactionShares><transactionPricePerShare><value>18.95</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>employee stock option, right to buy</value></securityTitle><conversionOrExercisePrice><value>13.00</value></conversionOrExercisePrice><transactionDate><value>2003-11-06</value></transactionDate><transactionCoding><transactionFormType>4</transac
tionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>2500</value></transactionShares><transactionPricePerShare><value>13.00</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1995-10-31</value></exerciseDate><expirationDate><value>2005-10-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>common</value></underlyingSecurityTitle><underlyingSecurityShares><value>2500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction><derivativeTransaction><securityTitle><value>employee stock option, right to buy</value></security
Title><conversionOrExercisePrice><value>6.69</value></conversionOrExercisePrice><transactionDate><value>2003-11-06</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>2500</value></transactionShares><transactionPricePerShare><value>6.69</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1996-10-25</value></exerciseDate><expirationDate><value>2006-10-25</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>common</value></underlyingSecurityTitle><underlyingSecurityShares><value>2500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwner
ship><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><ownerSignature><signatureName>Charles F. Gardner</signatureName><signatureDate>2003-11-10</signatureDate></ownerSignature></ownershipDocument>



</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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