<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 10-Q/A
(MARK ONE)
X QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
___ EXCHANGE ACT OF 1934
For the quarterly period ended October 31, 1995
OR
___ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from ___________________ to __________________
Commission file number 1-11513
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NATIONAL AUTO CREDIT, INC.
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(Exact name of registrant as specified in its charter)
Delaware
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(State or other jurisdiction of incorporation of organization)
34-1050582
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(I.R.S. Employer Identification No.)
30000 Aurora Road, Solon, Ohio 44139
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(Address of principal executive offices and zip code)
(216) 349-1000
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(Registrant's telephone number, including area code)
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(Former name, former address and former fiscal year if changed since last
report.)
Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes X No
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APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE
PRECEDING FIVE YEARS: Indicate by check mark whether the registrant (1) has
filed all reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 subsequent to the distribution of securities under a plan
confirmed by a court. Yes _____ No _____
APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares
outstanding of each of the issuer's classes of common stock, as of the latest
practicable date: 25,832,872 shares as of November 30, 1995.
Re-filed to correct error on Financial Data Schedule.
<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> JAN-31-1996
<PERIOD-END> OCT-31-1995
<CASH> 352
<SECURITIES> 0
<RECEIVABLES> 267,524
<ALLOWANCES> (2,001)
<INVENTORY> 8,504
<CURRENT-ASSETS> 0
<PP&E> 14,572
<DEPRECIATION> 5,329
<TOTAL-ASSETS> 343,319
<CURRENT-LIABILITIES> 0
<BONDS> 0
<COMMON> 1,357
0
0
<OTHER-SE> 212,135
<TOTAL-LIABILITY-AND-EQUITY> 343,319
<SALES> 50,258
<TOTAL-REVENUES> 77,848
<CGS> 46,541
<TOTAL-COSTS> 48,799
<OTHER-EXPENSES> 1,114
<LOSS-PROVISION> 3,736
<INTEREST-EXPENSE> 746
<INCOME-PRETAX> 22,850
<INCOME-TAX> 8,404
<INCOME-CONTINUING> 14,446
<DISCONTINUED> (1,021)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 13,425
<EPS-PRIMARY> .52
<EPS-DILUTED> 0
</TABLE>
