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                                                                     Exhibit 4.6




                            Name of Optionee:___________________________________
                                                                (the "Optionee")


                    STEWART INFORMATION SERVICES CORPORATION

                   AMENDED AND RESTATED STOCK OPTION AGREEMENT


  (Includes all options granted through the date hereof to the Optionee under
                     all stock option plans of the Company)

         Stewart Information Services Corporation (the "Company") has granted to
the Optionee options to purchase the number of shares of common stock, $1.00 par
value, of the Company set forth on Annex A hereto. Annex A also sets forth the
stock option plan of the Company under which such options were granted, the
dates of grant, the prices at which such options are exercisable, the dates on
which such options first became or will become exercisable, the expiration date
of such options and whether such options are intended to be incentive stock
options governed by Section 422 of the Internal Revenue Code of 1986, as
amended.

         Each option reflected on Annex A is subject to all the terms and
conditions of the stock option plan under which it was granted.

         By accepting the options reflected on Annex A, the Optionee agrees to
be bound by all of the terms and conditions of the stock option plans of the
Company under which such options were granted.

         The options reflected in Annex A are cumulative of and restate, and are
not in addition to, any options heretofore reflected in any stock option
agreement between the Company and the Optionee. Annex A reflects all options
granted by the Company to the Optionee through the date hereof.

         Dated the ______ day of _______________________, 199____.



                              STEWART INFORMATION SERVICES CORPORATION



                              By
                                -----------------------------------------------
                              Name:
                                    -------------------------------------------
                              Title:
                                    -------------------------------------------

ACCEPTED:



- ----------------------------------------
               Optionee


- ----------------------------------------
                Date



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