EXHIBIT 99.1

         Conn's Chief Financial Officer to Retire March 2005

    BEAUMONT, Texas--(BUSINESS WIRE)--July 12, 2004--Conn's, Inc.
(NASDAQ/NM:CONN) announced today that C. William Frank, its Executive
Vice President and Chief Financial Officer, has advised the Company of
his intent to retire from the Company, effective March 31, 2005.
    "I felt the time had come for me to pursue a different path than
day-to-day responsibilities as a senior officer of a significant
public company," said Mr. Frank, 57 years old. "Together with other
senior management, we have outlined a plan to provide for what I
believe will be an orderly transition," Frank added.
    "Bill Frank has been an invaluable asset to our organization
during his seven-year association with us," said Thomas J. Frank, Sr.,
Chairman and Chief Executive Officer of the Company. "His commitment
to the Company is exhibited by the significant transition period he
has offered. His March departure date will enable us to have his
services through the end of the current fiscal year and its scheduled
audit cycle, facilitate meeting mandated requirements under
Sarbanes-Oxley concerning the certification of our internal financial
controls at fiscal year-end and provide the opportunity for a smooth
transition to his successor."
    The Company reported that it is currently looking at both external
and internal candidates to replace Mr. Frank, as well as reviewing
opportunities to reassign certain of Mr. Frank's responsibilities
among other officers of the Company.
    The Company is a specialty retailer currently operating 47 retail
locations in Texas and Louisiana. It sells major home appliances,
including refrigerators, freezers, washers, dryers and ranges, and a
variety of consumer electronics, including projection, plasma and LCD
televisions, camcorders, VCRs, DVD players and home theater products.
The Company also sells home office equipment, lawn and garden products
and bedding, and continues to introduce additional product categories
for the home to help increase same store sales and to respond to our
customers' product needs.
    Unlike many of its competitors, the Company provides in-house
credit options for its customers. Historically, it has financed over
56% of retail sales. Customer receivables are financed substantially
through an asset-backed securitization facility, from which the
Company derives servicing fee income and interest income from these
assets. The Company transfers receivables, consisting of retail
installment contracts and revolving accounts extended to its
customers, to a qualifying special purpose entity, or the issuer, in
exchange for cash and subordinated securities represented by
asset-backed and variable funding notes issued to third parties.
    This press release contains forward-looking statements that
involve risks and uncertainties. Such forward-looking statements
generally can be identified by the use of forward-looking terminology
such as "may," "will," "expect," "intend," "could," "estimate,"
"should," "anticipate," or "believe," or the negative thereof or
variations thereon or similar terminology. Although the Company
believes that the expectations reflected in such forward-looking
statements will prove to be correct, the Company can give no assurance
that such expectations will prove to have been correct. The actual
future performance of the Company could differ materially from such
statements. Factors that could cause or contribute to such differences
include, but are not limited to, C. William Frank not continuing his
current employment with the Company through the stated transition
period and/or the Company's inability to employ his successor during
such period in sufficient time to enable an orderly transition. You
are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date of this press release.
Except as required by law, the Company is not obligated to publicly
release any revisions to these forward-looking statements to reflect
the events or circumstances after the date of this press release or to
reflect the occurrence of unanticipated events.

    CONTACT: Conn's, Inc., Beaumont
             Thomas J. Frank, Sr., 409-832-1696 Ext. 3218