RIVER OAKS FURNITURE INC
SC 13G/A, 1997-02-25
HOUSEHOLD FURNITURE
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<PAGE>   1
        THIS DOCUMENT IS A COPY OF THE SCHEDULE 13G FILED ON FEBRUARY 18, 1997
PURSUANT TO A RULE 201 TEMPORARY HARDSHIP EXEMPTION


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549






                                  SCHEDULE 13G

                    UNDER THE SECURITIES EXCHANGE ACT OF 1934

                               (AMENDMENT NO. 1)*

                           RIVER OAKS FURNITURE, INC
- --------------------------------------------------------------------------------
                                (Name of Issuer)


                                  Common Stock
- --------------------------------------------------------------------------------
                           (Title of Class Securities)

                                   768282-10-5
                   -------------------------------------------
                                 (CUSIP Number)


Check the following box if a fee is being paid with this statement / /. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7).

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in 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 ("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).





                            Page 1 of 4 pages

<PAGE>   2
CUSIP NO. 768282-10-5              SCHEDULE 13G        PAGE   2   OF   4   PAGES
         ---------------------                              -----    -----      

  (1)     NAMES OF REPORTING PERSONS                 
          S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS                
          John D. Nail
          ---------------------------------------------------------------------

  (2)     CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*         (A)   [   ]
                                                                    (B)   [   ]

          --------------------------------------------------------------------- 

  (3)     SEC USE ONLY

          ---------------------------------------------------------------------

  (4)     CITIZENSHIP OR PLACE OF ORGANIZATION                      
          United States
          ---------------------------------------------------------------------

                       (5)     SOLE VOTING POWER                    
  NUMBER OF                    354,500
   SHARES              --------------------------------------------------------
 BENEFICIALLY          (6)     SHARED VOTING POWER                  
  OWNED BY   
    EACH               --------------------------------------------------------
  REPORTING            (7)     SOLE DISPOSITIVE POWER               
 PERSON WITH                   354,500
                       --------------------------------------------------------
                       (8)     SHARED DISPOSITIVE POWER             

                       --------------------------------------------------------

  (9)     AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON         
          354,500
          ---------------------------------------------------------------------

 (10)     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW 9 EXCLUDES CERTAIN
          SHARES*                                                         [   ]

          ---------------------------------------------------------------------

 (11)     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9           
          6.3%
          ---------------------------------------------------------------------

 (12)     TYPE OF REPORTING PERSON*
          IN
          ---------------------------------------------------------------------
                    *SEE INSTRUCTIONS BEFORE FILLING OUT!



                          PAGE  2    OF   4   PAGES
                               -----    -----      



<PAGE>   3


<TABLE>
<S>                  <C>
ITEM 1(A).           NAME OF ISSUER:  River Oaks Furniture, Inc.
ITEM 1(B).           ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES: 3350 McCullough Boulevard, P.O. Box 480, Belden, MS 38826

ITEM 2(A).           NAME OF PERSON FILING:  John D. Nail
ITEM 2(B).           ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE:  3350 McCullough Boulevard, P.O. Box 480,
                     Belden, MS 38826

ITEM 2(C).           CITIZENSHIP:  United States
ITEM 2(D).           TITLE OF CLASS OF SECURITIES:  Common Stock
ITEM 2(E).           CUSIP NUMBER:  768282-10-5

ITEM 3.              Not applicable

ITEM 4.              OWNERSHIP.
                     (a)    354,500
                     (b)    6.3%
                     (c)    (i)  354,500
                            (ii)  None
                            (iii) 354,500
                            (iv)  None

ITEM 5.              OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
                     Not applicable

ITEM 6.              OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
                     Not applicable

ITEM 7.              IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
                     THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.
                     Not applicable

ITEM 8.              IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.
                     Not applicable

ITEM 9.              NOTICE OF DISSOLUTION OF GROUP.
                     Not applicable

ITEM 10.             CERTIFICATION.
                     Not applicable

</TABLE>




                              Page 3 of 4 pages

<PAGE>   4





                                  SIGNATURE

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



                        February 13, 1997
                        -----------------------------------------
                            Date


                        /s/  John D. Nail
                        -----------------------------------------
                            Signature


                             John D. Nail
                        ------------------------------------------
                            Name/Title



        The original statement shall be signed by each person on whose behalf
the statement is filed or his authorized representative. If the statement is
signed on behalf of a person by his authorized representative other than an
executive officer or general partner of the filing person, evidence of the
representative's authority to sign on behalf of such person shall be filed with
the statement, provided, however, that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.

Note:  Six copies of this statement, including all exhibits, should be filed
with the Commission.

ATTENTION: INTENTIONAL MISSTATEMENTS OR OMISSIONS OF FACT CONSTITUTE FEDERAL
CRIMINAL VIOLATIONS (SEE 18 U.S.C. 1001)



                                Page 4 of 4 pages






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