X0202 4 2007-10-16 0 0000108385 WORLD ACCEPTANCE CORP WRLD 0000926688 SMITH THOMAS W 323 RAILROAD AVENUE GREENWICH CT 06830 0 0 1 1 Member Section 13(d) Group Common Stock 2007-10-16 4 P 0 1740 34.04 A 23940 I By Smith family accounts Common Stock 2007-10-16 4 P 0 5000 34.16 A 28940 I By Smith family accounts Common Stock 2007-10-16 4 P 0 30000 34.26 A 58940 I By Smith family accounts These shares are owned directly by accounts established for the benefit of certain family members of the Reporting Person. The inclusion of these shares in this report shall not be deemed an admission of beneficial ownership for purposes of Section 16 or any other purpose and the Reporting Person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein. /s/ Thomas W. Smith 2007-10-18