EXHIBIT # 99.1

                        CERTIFICATION OF PERIODIC REPORT

I, C. D. Walters, of World Acceptance Corporation, certify, pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that (to my
knowledge):

(1)  the Quarterly Report on form 10-Q of the Company for the quarter ended
     September 30, 2002, (the "Report") fully complies with the requirements
     of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)  the information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.

Date:   November 14, 2002


                                                     /s/ C.D. Walters
                                                     ---------------------------
                                                     C. D. Walters
                                                     Chairman and CEO