-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HoRlTBmD6TidXKCtHRJwZAFNVS4uF2cCaO9R0ZknX+VmGfjOA7Jf80/t4igeug/W
 RHupehB2GnkL6lG8dDXVfw==

<SEC-DOCUMENT>0001181431-04-004014.txt : 20040123
<SEC-HEADER>0001181431-04-004014.hdr.sgml : 20040123
<ACCEPTANCE-DATETIME>20040123115704
ACCESSION NUMBER:		0001181431-04-004014
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040123
FILED AS OF DATE:		20040123

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WAY CHARLES D
		CENTRAL INDEX KEY:			0001013362

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19599
		FILM NUMBER:		04539674

	BUSINESS ADDRESS:	
		STREET 1:		405 LANCASTER AVE
		CITY:			GREER
		STATE:			SC
		ZIP:			29652
		BUSINESS PHONE:		8648791000

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd30050.xml
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2004-01-23</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000108385</issuerCik>
        <issuerName>WORLD ACCEPTANCE CORP</issuerName>
        <issuerTradingSymbol>WRLD</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001013362</rptOwnerCik>
            <rptOwnerName>WAY CHARLES D</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>P.O. BOX 100</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>GREER</rptOwnerCity>
            <rptOwnerState>SC</rptOwnerState>
            <rptOwnerZipCode>29652</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common stock, no par value</value></securityTitle><transactionDate><value>2004-01-22</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>3600</value></transactionShares><transactionPricePerShare><value>5.469</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2400</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonD
erivativeTransaction><securityTitle><value>Common stock, no par value</value></securityTitle><transactionDate><value>2004-01-22</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>3600</value></transactionShares><transactionPricePerShare><value>23.04</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2400</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>5.469</val
ue></conversionOrExercisePrice><transactionDate><value>2004-01-22</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>3600</value></transactionShares><transactionPricePerShare><value>5.469</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1999-04-30</value></exerciseDate><expirationDate><value>2009-04-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>common</value></underlyingSecurityTitle><underlyingSecurityShares><value>3600</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2400</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwners
hip></ownershipNature></derivativeTransaction></derivativeTable><ownerSignature><signatureName>Charles D. Way</signatureName><signatureDate>2004-01-23</signatureDate></ownerSignature></ownershipDocument>



</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----