WORLD ACCEPTANCE CORP
SC 13D, 2000-09-29
PERSONAL CREDIT INSTITUTIONS
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13D
                                 (Rule 13d-101)

             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
              TO 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO
                                  RULE 13d-2(a)

                          World Acceptance Corporation
--------------------------------------------------------------------------------
                                (Name of Issuer)

                           COMMON STOCK, NO PAR VALUE
--------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                    981419104
--------------------------------------------------------------------------------
                                 (CUSIP Number)

                  BRADLEY A. BROWN, MILLS VALUE ADVISER, INC.,
          707 EAST MAIN STREET, RICHMOND, VIRGINIA 23219 (804) 344-3532
--------------------------------------------------------------------------------
            (Name, Address and Telephone Number of Person Authorized
                     to Receive Notices and Communications)

                                 August 17, 2000
--------------------------------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)

         If the filing person has  previously  filed a statement on Schedule 13G
to report the  acquisition  that is the  subject of this  Schedule  13D,  and is
filing this schedule because of Rule 13d-1(e),  13d-1(f) or 13d-1(g),  check the
following box |_|.

         Note:  Schedules  filed in paper format shall include a signed original
and five copies of the  schedule,  including  all  exhibits.  See Rule 13d-7 for
other parties to whom copies are to be sent.

                         (Continued on following pages)

                               (Page 1 of 6 Pages)


         The information  required on the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934, as amended (the "Act"),  or otherwise subject to the liabilities of
that section of the Act but shall be subject to all other  provisions of the Act
(however, see the Notes).

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<PAGE>
----------------------------                        ----------------------------
    CUSIP No. 981419104           SCHEDULE 13D            Page 2 of 6 Pages
----------------------------                        ----------------------------

--------- ----------------------------------------------------------------------
1         NAME OF REPORTING PERSONS
          I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)

          Juniper Trading Services, Inc.
--------- ----------------------------------------------------------------------
2         CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*           (a)    |_|
                                                                      (b)    |_|
          Not Applicable
--------- ----------------------------------------------------------------------
3         SEC USE ONLY


--------- ----------------------------------------------------------------------
4         SOURCE OF FUNDS*

          WC
--------- ----------------------------------------------------------------------
5         CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
          ITEM 2(d) or 2(e)                                                  |_|

          Not Applicable
--------- ----------------------------------------------------------------------
6         CITIZENSHIP OR PLACE OF ORGANIZATION

          Bermuda
------------------------- ------- ----------------------------------------------
       NUMBER OF          7       SOLE VOTING POWER

         SHARES                   2,650,000
                          ------- ----------------------------------------------
                          8       SHARED VOTING POWER
      BENEFICIALLY
                                  -0-
                          ------- ----------------------------------------------
     OWNED BY EACH        9       SOLE DISPOSITIVE POWER

       REPORTING                  -0-
                          ------- ----------------------------------------------
                          10      SHARED DISPOSITIVE POWER
      PERSON WITH
                                  -0-
------------------------- ------- ----------------------------------------------
11        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

          2,880,100
--------- ----------------------------------------------------------------------
12        CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
                                                                             |_|
          Not Applicable
--------- ----------------------------------------------------------------------
13        PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

          15.1%
--------- ----------------------------------------------------------------------
14        TYPE OF REPORTING PERSON*

          IV
--------- ----------------------------------------------------------------------

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!

<PAGE>

                                  SCHEDULE 13D
                                       FOR
                         Juniper Trading Services, Inc.




Item 1.     Security and Issuer
            -------------------

            This  Schedule  13D  relates to the common  stock,  no par value per
            share (the "Common  Stock"),  of World Acceptance  Corporation,  108
            Frederick Street, Greenville, South Carolina 29607 (the "Issuer").


Item 2.     Identity and Background
            -----------------------

                  (A)      Juniper Trading Services, Inc.

                  (B)      Compass Point Building, 9 Bermudiana Road, Bermuda
                           (organized in Bermuda)

                  (C)      Investment Company

                  (D)      During the past five years, Juniper Trading Services,
                           Inc. has not been convicted in a criminal proceeding,
                           excluding traffic violations or similar misdemeanors.

                  (E)      During the past five years, Juniper Trading Services,
                           Inc. has not been a party to a civil  proceeding of a
                           judicial   or   administrative   body  of   competent
                           jurisdiction  and has not been subject to a judgment,
                           decree or final order enjoining future violations of,
                           or  prohibiting or mandating  activities  subject to,
                           federal  or  state  securities  laws or  finding  any
                           violation with respect to such laws.


Item 3.     Source and Amount of Funds and Other Consideration
            --------------------------------------------------

            The total  amount of the funds  used in  making  the  purchases  was
            $1,187,558. The source of the funds used in making the purchases was
            working capital.


Item 4.     Purpose of Transaction
            ----------------------

            Juniper Trading Services,  Inc. has purchased shares of Common Stock
            for investment purposes.

            There are no plans or proposals which Juniper Trading Services, Inc.
            may have that relate to or would result in:

            (A)     The  acquisition  by any person of additional  securities of
                    the Issuer,  or the disposition of securities of the Issuer,
                    except as otherwise disclosed herein;

            (B)     An extraordinary  corporate  transaction,  such as a merger,
                    reorganization  or liquidation,  involving the Issuer or any
                    of its subsidiaries;


<PAGE>

            (C)     A sale or  transfer  of a  material  amount of assets of the
                    Issuer or of any of its subsidiaries;


            (D)     Any change in the present  board of directors or  management
                    of the Issuer,  including  any plans or  proposals to change
                    the  number  or term of  directors  or to fill any  existing
                    vacancies on the board;

            (E)     Any  material  change  in  the  present   capitalization  or
                    dividend policy of the Issuer;

            (F)     Any  other  material  change  in the  Issuer's  business  or
                    corporate structure;

            (G)     Changes  in the  Issuer's  charter,  bylaws  or  instruments
                    corresponding  thereto or other actions which may impede the
                    acquisition of control of the Issuer by any person;

            (H)     Causing a class of  securities  of the Issuer to be delisted
                    from  a  national  securities  exchange  or to  cease  to be
                    authorized to be quoted in an inter-dealer  quotation system
                    of a registered national securities association;

            (I)     A class of equity securities of the Issuer becoming eligible
                    for termination of registration pursuant to Section 12(g)(4)
                    of the Securities Exchange Act of 1934, as amended; or

            (J) Any action similar to any of those enumerated above.


Item 5.     Interest in Securities of the Issuer
            ------------------------------------

            (A)     The  aggregate   number  and   percentage  of  Common  Stock
                    beneficially  owned by Juniper  Trading  Services,  Inc. are
                    2,880,100 shares and 15.1%, respectively.

            (B)     Juniper Trading Services, Inc. has the sole power to vote or
                    to direct the vote of the shares identified pursuant to Item
                    5(a). Juniper Trading Services, Inc. does not have any power
                    to dispose or to direct  the  disposition  of all the shares
                    identi- fied pursuant to Item 5(a).

            (C)     Purchases of the securities identified pursuant to Item 5(a)
                    during  the 60 days  prior  to the  date of the  event  that
                    requires the filing of this Schedule 13D were as follows:

       Beneficial         Trans.      Number of      Price Per       Where/How
         Owner             Date         Shares       Share ($)       Effected
         -----             ----         ------       ---------       --------

        Juniper           7/10/00       10,000          5.25        Open Market
        Juniper           7/11/00       10,000          5.18        Open Market
        Juniper           7/12/00       10,000          5.12        Open Market
        Juniper           7/13/00       10,000          5.12        Open Market
        Juniper           7/14/00       10,000          5.12        Open Market
        Juniper           7/18/00       10,000          5.15        Open Market
        Juniper           7/19/00       10,000          5.12        Open Market
        Juniper           7/20/00       10,000          5.06        Open Market
        Juniper           7/21/00       10,000          5.06        Open Market
        Juniper           7/24/00       10,000          5.06        Open Market
        Juniper           7/25/00       10,000          5.06        Open Market

<PAGE>

        Juniper           7/27/00       10,000          5.00        Open Market
        Juniper           7/28/00       10,000          5.12        Open Market
        Juniper           7/31/00       10,000          5.12        Open Market
        Juniper           8/01/00       10,000          5.12        Open Market
        Juniper           8/02/00       10,000          5.12        Open Market
        Juniper           8/04/00       10,000          5.12        Open Market
        Juniper           8/07/00       10,000          5.18        Open Market
        Juniper           8/08/00       10,000          5.25        Open Market
        Juniper           8/10/00       10,000          5.25        Open Market
        Juniper           8/11/00       10,000          5.25        Open Market
        Juniper           8/15/00       10,000          5.25        Open Market
        Juniper           8/16/00       10,000          5.25        Open Market
        Juniper           8/17/00       10,000          5.15        Open Market

            (D)     Not applicable.

            (E)     Not applicable.



Item 6.     Contracts,   Arrangements,   Understandings  or  Relationships  with
            --------------------------------------------------------------------
            Respect to Securities of the Issuer
            -----------------------------------

            None.


Item 7.     Material to be Filed as Exhibits
            --------------------------------

            None.

<PAGE>
                                   SIGNATURES

         After reasonable  inquiry and to the best of my knowledge and belief, I
certify  that the  information  set forth in this  statement  on Schedule 13D is
true, complete and correct.

                                             Juniper Trading Services, Inc.




Date:    7/7/00                              /s/ Mary Jane Gutteridge
                                             -----------------------------------
                                             Mary Jane Gutteridge, Director



Attention:  Intentional  misstatements  or omissions of fact constitute  Federal
            criminal violations (see 18 U.S.C. 1001).






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