EXHIBIT 99.1

           Cautionary Statement Relative to Forward-Looking Statements

     Certain written and oral statements made by our Company or with the
approval of an authorized executive officer of our Company may constitute
"forward-looking statements" as defined under the Private Securities Litigation
Reform Act of 1995, including statements made in this report and other filings
with the Securities and Exchange Commission. Generally, the words, "believe,"
"expect," "intend," "estimate," "anticipate," "project," "will" and similar
expressions identify forward-looking statements, which generally are not
historical in nature. All statement that address operating performance, events
or developments that we expect or anticipate will occur in the future -
including statements relating to store expansion and sales growth and statements
expressing general optimism about future operating results - are forward-looking
statements. Forward-looking statements are subject to certain risks,
uncertainties, and assumptions that are difficult to predict. Therefore, actual
results may differ materially and adversely from those expressed in any
forward-looking statement. We believe that these forward-looking statements are
reasonable; however, you should not place undue reliance on such statements.
Such statements speak only as of the date they are made and we undertake no
obligation to publicly update or revise any forward-looking statement, whether
as a result of future events, new information or otherwise.

     The following are some of the factors that could cause Havertys' actual
results to differ materially from the expected results described in our
forward-looking statements:

     -    Our ability to maintain favorable arrangements and relationships with
          key suppliers (including domestic and international sourcing).

     -    Disruptions in the flow of imported merchandise, whether caused by
          war, strikes, tariff, politics or otherwise.

     -    Adverse weather conditions, which could hinder shopping and/or
          delivery of merchandise.

     -    The effectiveness of our advertising, marketing and promotional
          programs.

     -    Conditions affecting the availability and affordability of retail and
          distribution real estate sites.

     -    Our ability to attract, train and retain highly qualified associates
          to staff existing and new stores and distribution facilities and
          corporate positions.

     -    General economic and financial market conditions, which affect
          consumer confidence and the spending environment for big ticket items.

     -    Competition in the retail furniture industry.

     -    Changes in laws and regulations, including changes in accounting
          standards, tax statutes or regulations.

     -    Other risks and uncertainties detailed from time to time in our
          periodic filings with the Securities and Exchange Commission.

The foregoing list of important factors is not exclusive.