SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported) January 20, 2004

                          WORLD ACCEPTANCE CORPORATION
             ------------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)

       South Carolina                    0-19599                  57-0425114
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(State or Other Jurisdiction     (Commission File Number)     (I.R.S. Employer
      of Incorporation)                                      Identification No.)

                              108 Frederick Street
                        Greenville, South Carolina 29607
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                    (Address of Principal Executive Offices)
                                   (Zip Code)

                                 (864) 298-9800
              ----------------------------------------------------
              (Registrant's Telephone Number, Including Area Code)

                                 Not Applicable
              -----------------------------------------------------
              (Former name or address, if changed from last report)




Item 7. Financial Statements and Exhibits.

      (c)   The following exhibit is filed as part of this report.

      Exhibit 99.1 - Press Release issued January 20, 2004

Item 9. Regulation FD Disclosure; and

Item 12. Results of Operations and Financial Condition.

On January  20,  2004,  World  Acceptance  Corporation  ("WRLD")  issued a press
release  announcing  financial  information  for its third fiscal  quarter ended
December  31, 2003.  The press  release is attached as Exhibit 99.1 to this Form
8-K and is furnished to, but not filed with, the Commission.




                                   SIGNATURES

      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

Date: January 20, 2004

                                            WORLD ACCEPTANCE CORPORATION

                                            By: /s/ A. Alexander McLean, III
                                                --------------------------------
                                                    A. Alexander McLean, III
                                                    Executive Vice President and
                                                    Chief Financial Officer




                                  EXHIBIT INDEX

      Exhibit                                                        Exhibit No.
      -------                                                        -----------

      Press Release issued January 20, 2004 ......................      99.1