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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934
                               (Amendment No. 1)*

                       Smart Choice Automotive Group, Inc.
                       -----------------------------------
                                (Name of Issuer)

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

                                    831686209
                                 --------------
                                 (CUSIP Number)

                                December 31, 2000
             -------------------------------------------------------
             (Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:

                  [ ]    Rule 13d-1(b)
                  [X]    Rule 13d-1(c)
                  [ ]    Rule 13d-1(d)

*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).


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                                  SCHEDULE 13G

CUSIP NO.   831686209
            ---------

1.       NAME OF REPORTING PERSONS.
         I.R.S. IDENTIFICATION NO'S. OF ABOVE PERSONS (ENTITIES ONLY).

                  Stephens Group, Inc.

2.       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP                (a) [ ]
                                                                         (b) [ ]

3.       SEC USE ONLY
                      ------------------------------------------------

4.       CITIZENSHIP OR PLACE OF ORGANIZATION

                  Arkansas, USA

Number of Shares Beneficially Owned by Each Reporting Person With:

5.       SOLE VOTING POWER                            -0-

6.       SHARED VOTING POWER                          -0-

7.       SOLE DISPOSITIVE POWER                       -0-

8.       SHARED DISPOSITIVE POWER                     39,400

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY
         EACH REPORTING PERSON                        39,400

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

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN
         ROW (9)                                      1.6%

12.      TYPE OF REPORTING PERSON                     HC


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                                  SCHEDULE 13G

CUSIP NO.   831686209
            ---------

1.       NAME OF REPORTING PERSONS.
         I.R.S. IDENTIFICATION NO'S. OF ABOVE PERSONS (ENTITIES ONLY).

                  Stephens Holding Company

2.       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP                (a) [ ]
                                                                         (b) [ ]

3.       SEC USE ONLY
                      ------------------------------------------------

4.       CITIZENSHIP OR PLACE OF ORGANIZATION

         Arkansas, USA

Number of Shares Beneficially Owned by Each Reporting Person With:

5.       SOLE VOTING POWER                            39,400

6.       SHARED VOTING POWER                          -0-

7.       SOLE DISPOSITIVE POWER                       39,400

8.       SHARED DISPOSITIVE POWER                     -0-

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY
         EACH REPORTING PERSON                        39,400

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

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN
         ROW (9)                                       1.6%

12.      TYPE OF REPORTING PERSON                      HC


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CUSIP NO.  831686209
           ---------

ITEM 1.
         (a)      Name of Issuer:   Smart Choice Automotive Group, Inc.

         (b)      Address of Issuer's Principal Executive Offices:

                           5200 S. Washington Avenue
                           Titusville, FL  32780

ITEM 2.
         (a)      Name of Person Filing:    Stephens Group, Inc.
                                            Stephens Holding Company

         (b)      Address of Principal Business Office or, if none, Residence

                           111 Center Street
                           Little Rock, Arkansas  72201

         (c)      Citizenship:      Arkansas, USA

         (d)      Title of Class of Securities:      Common Stock

         (e)      CUSIP Number:  831686209


ITEM 3.  IF THIS STATEMENT IS FILED PURSUANT TO SS.SS. 240.13D-1(B), OR
         240.13D-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS A:

                           N/A

ITEM 4.  OWNERSHIP. PROVIDE THE FOLLOWING INFORMATION REGARDING THE AGGREGATE
         NUMBER AND PERCENTAGE OF THE CLASS OF SECURITIES OF THE ISSUER
         IDENTIFIED IN ITEM 1.

(a)      Amount beneficially owned:                                    39,400

(b)      Percent of class:                                                1.6%

(c)      Number of shares as to which the person has:

         (i)  Sole power to vote or to direct the vote:                39,400

         (ii) Shared power to vote or to direct the vote:                 -0-

         (iii) Sole power to dispose or to direct the disposition of:  39,400

         (iv) Shared power to dispose or to direct the disposition of:    -0-



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ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.

         If this statement is being filed to report the fact that as of the date
hereof the reporting person has ceased to be the beneficial owner of more than
five percent of the class of securities, check the following  [X].


ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.

                  N/A

ITEM 7.  IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
         THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.

         This Schedule 13G is being filed by Stephens Group, Inc. and by
         Stephens Holding Company.

         Stephens Group, Inc. is the corporate parent company of Stephens
         Holding Company, and Stephens Holding Company is the owner of all of
         the shares being reported herein.

ITEM 8.  IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP         N/A

ITEM 9.  NOTICE OF DISSOLUTION OF GROUP           N/A

ITEM 10. CERTIFICATION.

                  By signing below I certify that, to the best of my knowledge
and belief, the securities referred to above were not acquired and are not held
for the purpose of or with the effect of changing or influencing the control of
the issuer of the securities and were not acquired and are not held in
connection with or as a participant in any transaction having that purpose or
effect.


                                    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 14, 2001
                                             -----------------
                                             Date


                                             Stephens Group, Inc.
                                                    and
                                             Stephens Inc.


                                             By: /s/ DAVID A. KNIGHT
                                                ------------------------
                                                David A. Knight
                                                Executive Vice President