<PAGE>   1
                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                   FORM 10-K/A

              [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1997

              [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                         Commission File Number 0-22702

                                  ROBERDS, INC.

An Ohio Corporation                                      31-0801335
                                            (IRS Employer Identification Number)

                            1100 East Central Avenue
                             Dayton, Ohio 45449-1888
                                 (937) 859-5127

        Securities registered pursuant to Section 12(b) of the Act: None

           Securities registered pursuant to Section 12(g) of the Act:
                        Common Shares, without par value


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such requirements
for the past 90 days Yes X   No
                        -----   -----
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ].

At the close of trading on January 31, 1998, 6,043,615 common shares, without
par value, were outstanding. Of these, 1,537,517 common shares, having an
aggregate market value (based upon the average of the high and low trading
prices on that date) of approximately $4,324,267 were held by non-affiliates of
the Registrant. Common shares held by each executive officer and director, and
by each person who owned five percent or more of the outstanding common shares,
were excluded, in that such persons may be deemed to be affiliates. However,
such calculation does not constitute an admission or determination that any such
officer or director or holder of more than five percent of the outstanding
common shares is in fact an affiliate of the Registrant.


                       DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Registrant's Proxy Statement for its 1998 annual meeting of
shareholders are incorporated into Part III herein by reference.



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Pursuant to Rule 15d-21 under the Securities Exchange Act of 1934, the
undersigned registrant ("Registrant") hereby amends its annual report on Form
10-K for the fiscal year ended December 31, 1997 to include the following
information, financial statements, and exhibits required by Form 11-K with
respect to the Roberds, Inc. Employee Stock Purchase Plan ("Plan") for the year
ended December 31, 1997. Roberds, Inc. is the issuer of the securities held
pursuant to the Plan. The schedules called for under Article 6A-05 in Regulation
S-X have been omitted because they are inapplicable or the required information
has been given in the financial statements or notes thereto:



                   ROBERDS, INC. EMPLOYEE STOCK PURCHASE PLAN


TABLE OF CONTENTS                                                        Page
-----------------                                                        ----

Independent Auditors' Report                                               3

Financial Statements:

         Statements of Financial Condition
         as of December 31, 1997 and 1996                                  4

         Statements of Operations and Changes in
         Participants' Equity for the Years Ended
         December 31, 1997, 1996, and 1995                                 5

Notes To Financial Statements                                              6






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INDEPENDENT AUDITORS' REPORT




Members of the Compensation Committee
Roberds, Inc. Employee Stock Purchase Plan
Dayton, Ohio

We have audited the accompanying statements of financial condition of the
Roberds, Inc. Employee Stock Purchase Plan (the Plan) as of December 31, 1997
and 1996, and the related statements of operations and changes in participants'
equity for the years then ended. These financial statements are the
responsibility of the Plan's management. Our responsibility is to express an
opinion on these financial statements based on our audits.

We conducted our audits in accordance with generally accepted auditing
standards. Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
We believe that our audits provide a reasonable basis for our opinion.

In our opinion, such financial statements present fairly, in all material
respects, the financial condition of Roberds, Inc. Employee Stock Purchase Plan
at December 31, 1997 and 1996, and the results of its operations and the changes
in participants' equity for the years then ended, in conformity with generally
accepted accounting principles.





DELOITTE & TOUCHE LLP

March 8, 1998
Dayton, Ohio



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ROBERDS, INC. EMPLOYEE STOCK PURCHASE PLAN

STATEMENTS OF FINANCIAL CONDITION
DECEMBER 31, 1997 AND 1996
--------------------------------------------------------------------------------

ASSETS AND PARTICIPANTS' EQUITY                           1997            1996

INVESTMENT IN ROBERDS, INC. COMMON
  STOCK, AT FAIR VALUE                                 $ 141,522       $ 313,310

EMPLOYEE CONTRIBUTIONS RECEIVABLE                         16,322          22,573

CASH                                                      77,202         111,817
                                                       ----------      ---------

ASSETS AND PARTICIPANTS' EQUITY                        $ 235,046       $ 447,700
                                                       ==========      =========


See notes to financial statements.




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ROBERDS, INC. EMPLOYEE STOCK PURCHASE PLAN

STATEMENTS OF OPERATIONS AND CHANGES IN PARTICIPANTS' EQUITY
YEARS ENDED DECEMBER 31, 1997 AND 1996
--------------------------------------------------------------------------------

<TABLE>
<CAPTION>
                                                                     1997            1996
<S>                                                               <C>             <C>
INCREASE IN PARTICIPANTS' EQUITY:
  Employee contributions                                          $ 240,087       $ 324,828
  Unrealized depreciation of Roberds, Inc. common shares           (182,841)        (17,472)
                                                                   ----------       --------

          Net increase                                               57,246         307,356

DECREASE IN PARTICIPANTS' EQUITY - Distribution to
  withdrawn or terminated participants, or beneficiaries of
  deceased participants                                            (269,900)       (257,987)
                                                                   ----------      ---------

NET (DECREASE) INCREASE IN PARTICIPANTS' EQUITY                    (212,654)         49,369

PARTICIPANTS' EQUITY:
  Beginning of year                                                 447,700         398,331
                                                                    --------        -------

  End of year                                                     $ 235,046       $ 447,700
                                                                  ==========      =========
</TABLE>


See notes to financial statements.





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ROBERDS, INC. EMPLOYEE STOCK PURCHASE PLAN

NOTES TO FINANCIAL STATEMENTS
YEARS ENDED DECEMBER 31, 1997 AND 1996
--------------------------------------------------------------------------------


A.    PLAN DESCRIPTION

      The Roberds, Inc. established the Employee Stock Purchase Plan (the
      "Plan") in November 1993. The Plan is designed and operated as an employee
      stock purchase plan under section 423 of the Internal Revenue Code of 1986
      and the regulations thereunder. The Plan is not subject to provisions of
      the Employment Retirement Income Security Act of 1974 ("ERISA"). The Plan
      is administered by a committee of at least three persons appointed by the
      Board of Directors.

      Employees who are members of the committee administering the Plan or any
      employee who, immediately after the granting of an option, would own five
      percent or more of any and all classes of stock are not entitled to
      participate in the Plan. All other employees of Roberds, Inc. who are
      considered full-time and have at least 90 days of continuous employment
      immediately prior to the commencement of any option period are eligible to
      participate in the Plan.

      Contributions are authorized through payroll deductions by participating
      employees at any whole percentage rate up to a maximum of fifteen percent
      of employees' compensation, not to exceed $25,000 (at fair market value)
      during any calendar year. Price per share at time of purchase is the
      lesser of 85 percent of fair market value per share on the first day or
      last day of offering period. Shares acquired under the Plan may be resold
      by the participating employee without registration under the Securities
      Act of 1933, as amended.

      In 1997, the Plan was amended so that offerings may be made under the Plan
      from time to time prior to December 31, 2007. The aggregate number of
      shares of stock that may be sold pursuant to all offerings under the plan,
      as amended, shall not exceed 500,000.

B.    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

      INVESTMENTS - The common shares of Roberds, Inc. are valued at fair value.
      Fair value is based upon the trading value of the stock on the NASDAQ
      exchange at the close of the last business day of the Plan year.

      PURCHASES OF SECURITIES are recorded on a trade-date basis.

      PLAN TERMINATION - Although it has not expressed an intention to do so,
      the Plan may be terminated at the option of the employer at any time
      subject to the provisions of the Plan. If terminated, participants'
      interest will be distributed in accordance with the Plan.



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C.    TAX STATUS

      All income of the Plan will be distributed and is taxable directly to the
      participants. Under Section 671 of the Internal Revenue Service Code, the
      Plan is not a tax paying entity. Accordingly, the Plan is not subject to
      income taxes. Therefore, no provision for income taxes is required for the
      Plan.

D.    ADMINISTRATION OF PLAN ASSETS

      The Plan's assets, which consist of Roberds, Inc. common shares and cash,
      are held by a custodian.

      Employee contributions are held and managed by a custodian, who invests
      cash received, interest and dividend income and makes distributions to
      participants.

      Certain administrative functions are performed by officers or employees of
      Roberds, Inc. or its subsidiaries. No such officer or employee receives
      compensation from the Plan. Administrative expenses for the recordkeeper
      fees are paid directly by Roberds, Inc.

E.    INVESTMENTS

      A reconciliation of Roberds, Inc. shares of common stock held by the Plan
      is as follows:


          
                                               1997           1996
          
          Balance, January 1                  37,977          28,972
          Acquired                            37,738          37,110
          Distributed                        (28,541)        (28,105)
                                              -------        --------
          
          Balance, December 31                47,174          37,977
                                              =======         ======


      At December 31, 1997 and 1996 there were obligations to distribute 2,139
      and 901 shares of Roberds, Inc. common stock, respectively.

      In January 1998, an additional 37,574 shares of Roberds, Inc. common stock
      were purchased by the Plan at $2.39 per share.









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<PAGE>   8




                                   SIGNATURES



Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, Registrant has duly caused this report to be signed on its behalf
by the undersigned, thereunto duly authorized.


ROBERDS, INC., by


/s/ JAMES F. ROBESON*
------------------------------------
James F. Robeson, its
Chief Executive Officer
and President


/s/ ROBERT M. WILSON
------------------------------------
Robert M. Wilson, its
Executive Vice President and
Chief Financial Officer



/s/ MICHAEL A. BRUNS
------------------------------------
Michael A. Bruns, its
Vice President and
Chief Accounting Officer


ROBERDS, INC. EMPLOYEE STOCK PURCHASE PLAN, by


/s/ ROBERT M. WILSON
------------------------------------
Robert M. Wilson, its
Plan Administrator



     
*By: /s/ ROBERT M. WILSON
    --------------------------------
 Robert M. Wilson
 Attorney in Fact

March 20, 1998




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<PAGE>   9




                                     PART IV


ITEM 14.     EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

         (a)(3)     EXHIBITS

2.3               Stock Purchase Agreement among Registrant, Kenneth W. Fletcher
                  and Donald C. Wright transferring all of the outstanding
                  shares of Roberds Service Company to Registrant, filed October
                  1, 1993 as Exhibit 2.3 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

2.4               Stock Purchase Agreement among Registrant, Kenneth W. Fletcher
                  and Donald C. Wright transferring all of the outstanding
                  shares of Roberd Insurance Agency, Inc. to Registrant, filed
                  October 1, 1993 as Exhibit 2.4 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

2.5               Certificate of merger of Roberds Service Company into Roberds,
                  Inc., effective August 31, 1994, filed as Exhibit 2.5 to
                  Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994 and incorporated herein by reference.

3.1               Amended Articles of Incorporation of Registrant, filed January
                  10, 1994, as Exhibit 4.1 to Registrant's Form S-8,
                  Registration File No. 33-73900, and incorporated herein by
                  reference.

3.2               Amended Code of Regulations of Registrant, filed January 10,
                  1994, as Exhibit 4.2 to Registrant's Form S-8, Registration
                  File No. 33-73900, and incorporated herein by reference.

4.1               Amended Articles of Incorporation of Registrant (filed as
                  Exhibit 3.1).

4.2               Amended Code of Regulations of Registrant (filed as Exhibit
                  3.2).

4.3               Specimen certificate for Registrant's Common Shares, filed
                  October 1, 1993 as Exhibit 4.3 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

4.3.1             Amended specimen certificate for Registrant's Common Shares,
                  reflecting the change in stock transfer agent to National City
                  Bank, Cleveland, Ohio, effective November 1, 1995, filed as
                  Exhibit 4.3.1 to Registrant's Annual Report on Form 10-K for
                  the fiscal year ended December 31, 1995, and incorporated
                  herein by reference.

4.4               Excluded from the exhibits are certain agreements relating to
                  long term debt which, individually, do not exceed 10% of the
                  total assets of Registrant. Registrant hereby undertakes to
                  furnish a copy of such agreements upon request by the
                  Commission.

10.1#             Roberds, Inc. 1993 Stock Incentive Plan, filed October 1, 1993
                  as Exhibit 10.1 to Registrant's Form S-1, Registration File
                  No. 33-69876, and incorporated herein by reference.

10.1.1#           Amendment to Roberds, Inc. 1993 Stock Incentive Plan, filed as
                  Exhibit 99.1 to Registrant's Form S-8, File No. 33-97262,
                  filed September 25, 1995, and incorporated herein by
                  reference.



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<PAGE>   10

10.1.2#           Amendment to Roberds, Inc. 1993 Stock Incentive Plan, referred
                  to in Exhibit 10.1, effective as of November 1, 1996, and
                  filed as Exhibit 10.1.2 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.

10.2#             Roberds, Inc. Employee Stock Purchase Plan, filed October 1,
                  1993 as Exhibit 10.2 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

10.2.1#           Amendment to Roberds, Inc. Employee Stock Purchase Plan,
                  referred to in Exhibit 10.2, effective as of November 1, 1996,
                  and filed as Exhibit 10.2.1 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.

10.2.2#           Amendment to Roberds, Inc. Employee Stock Purchase Plan,
                  referred to in Exhibit 10.2, effective as of May 13, 1997, and
                  filed as Exhibit 99.1 to Registrant's Form S-8, Registration
                  File No. 333-37829, and incorporated herein by reference.

10.3#             Roberds, Inc. 1993 Outside Director Stock Option Plan, filed
                  October 1, 1993 as Exhibit 10.3 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.3.1#           Amendment to Roberds, Inc. 1993 Outside Director Stock Option
                  Plan, referred to in Exhibit 10.3, effective as of November 1,
                  1996, and filed as Exhibit 10.3.1 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.3.2#           Roberds, Inc. Profit Sharing and Employee Retirement Savings
                  Plan, as amended, filed as Exhibit 99 to Registrant's Form
                  S-8, Registration File No. 33-81086, and incorporated herein
                  by reference.

10.3.2.1#         Roberds, Inc. Profit Sharing and Employee Retirement Savings
                  Plan, as adopted March 26, 1997, and filed as Exhibit 99 to
                  Registrant's Form S-8, Registration File No. 333-43977, and
                  incorporated herein by reference.

10.3.3#           Roberds, Inc. Amended and Restated Deferred Compensation Plan
                  for Outside Directors, effective 1996, filed as Exhibit 10.3.2
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1995, and incorporated herein by reference.

10.3.3.1#         Amendment to Roberds, Inc. Amended and Restated Deferred
                  Compensation Plan for Outside Directors, referred to in
                  Exhibit 10.3.3, effective as of February 27, 1996, and filed
                  as Exhibit 10.3.3.1 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.3.3.2#         Amendment to Roberds, Inc. Amended and Restated Deferred
                  Compensation Plan for Outside Directors, referred to in
                  Exhibit 10.3.3, effective as of November 1, 1996, and filed as
                  Exhibit 99.1 to Registrant's Form S-8, Registration File No.
                  333-19903, and filed as Exhibit 10.3.3.2 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.4.1            Lease Agreement dated April 1, 1990 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  facility located at 1000 East Central Avenue, West Carrollton,
                  Ohio, and amendments thereto, filed October 1, 1993 as Exhibit
                  10.4.1 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.4.1.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher and



                                       10
<PAGE>   11

                  Donald C. Wright, an Ohio general partnership, to Kenneth W.
                  Fletcher, individually, and assigning Registrant's related
                  lease of the property to Mr. Fletcher, all effective January
                  1, 1995, and filed as Exhibit 10.4.1.1 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1994 and incorporated herein by reference.

10.4.1.2          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher, individually, to DAF Investments LTD., an Ohio
                  limited liability company controlled by Mr. Fletcher, and
                  assigning Registrant's related lease of the property to DAF
                  Investments LTD., all effective January 1, 1995, and filed as
                  Exhibit 10.4.1.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.1.3          Assignment and Assumption of Lease in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from DAF
                  Investments LTD., an Ohio limited liability company controlled
                  by Mr. Kenneth W. Fletcher, to DAF West Carrollton Plaza,
                  LTD., an Ohio limited liability company controlled by Mr.
                  Fletcher, and assigning Registrant's related lease of the
                  property to DAF West Carrollton Plaza, LTD., effective January
                  14, 1997, and filed as Exhibit 10.4.1.3 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.4.2            Lease Agreement dated April 1, 1990 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  facility located at 1100 East Central Avenue, West Carrollton,
                  Ohio, and amendments thereto, filed October 1, 1993 as Exhibit
                  10.4.2 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.4.2.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher and Donald C. Wright, an Ohio general partnership, to
                  Kenneth W. Fletcher, individually, and assigning Registrant's
                  related lease of the property to Mr. Fletcher, all effective
                  January 1, 1995, and filed as Exhibit 10.4.2.1 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1994 and incorporated herein by reference.

10.4.2.2          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher, individually, to DAF Investments LTD., an Ohio
                  limited liability company controlled by Mr. Fletcher, and
                  assigning Registrant's related lease of the property to DAF
                  Investments LTD., all effective January 1, 1995, and filed as
                  Exhibit 10.4.2.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.2.3          Assignment and Assumption of Lease in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from DAF
                  Investments LTD., an Ohio limited liability company controlled
                  by Mr. Kenneth W. Fletcher, to DAF West Carrollton Plaza,
                  LTD., an Ohio limited liability company controlled by Mr.
                  Fletcher, and assigning Registrant's related lease of the
                  property to DAF West Carrollton Plaza, LTD., effective January
                  14, 1997, and filed as Exhibit 10.4.2.3 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.4.3            Lease Agreement dated June 1, 1988 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Piqua, Ohio facility, and amendments thereto, filed October 1,
                  1993 as Exhibit 10.4.3 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.



                                       11
<PAGE>   12

10.4.3.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's Piqua, Ohio facility
                  from Kenneth W. Fletcher and Donald C. Wright, an Ohio general
                  partnership, to Donald C. Wright, individually, and assigning
                  Registrant's related lease of the property to Mr. Wright, all
                  effective January 1, 1995 and filed as Exhibit 10.4.3.1 to
                  Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994 and incorporated herein by reference.

10.4.4            Lease Agreement dated April 1, 1988 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Richmond, Indiana facility, and amendments thereto, filed
                  October 1, 1993 as Exhibit 10.4.4 to Registrant's Form S-1,
                  Registration File No. 33-69876, incorporated herein by
                  reference.

10.4.4.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's Richmond, Indiana
                  facility from Kenneth W. Fletcher and Donald C. Wright, an
                  Ohio general partnership, to Donald C. Wright, individually,
                  and assigning Registrant's related lease of the property to
                  Mr. Wright, all effective January 1, 1995, and filed as
                  Exhibit 10.4.4.1 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.5            Lease Agreement dated March 1, 1992 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Springfield, Ohio facility, and amendments thereto, filed
                  October 1, 1993 as Exhibit 10.4.5 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.4.5.1          Assignment and Assumption of Leases transferring ownership of
                  Registrant's Springfield, Ohio facility from Kenneth W.
                  Fletcher and Donald C. Wright, an Ohio general partnership, to
                  Springfield Properties, Inc., an Ohio corporation owned by
                  Messrs. Fletcher and Wright, and assigning Registrant's
                  related lease of the property to Springfield Properties, Inc.,
                  all effective November 16, 1994, and filed as Exhibit 10.4.5.1
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994, and incorporated herein by reference.

10.4.6            Lease Agreement dated March 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Initial
                  Shareholders, relating to Registrant's Norcross, Georgia
                  facility, filed October 1, 1993 as Exhibit 10.4.6 to
                  Registrant's Form S-1, Registration File No. 33-69876, and
                  incorporated herein by reference.

10.4.6.1          Amendments to Lease Agreement between Registrant and Howard
                  Investments, referred to in Exhibit 10.4.6, effective December
                  20, 1995, pursuant to a sale of the property by Howard
                  Investments to 800 Broadway and Ponce de Leon Stores, which
                  are unrelated to the Company and the Initial Shareholders,
                  filed as Exhibit 10.4.6.1 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1995, and
                  incorporated herein by reference.

10.4.7            Lease Agreement dated March 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Initial
                  Shareholders, relating to Registrant's Marietta, Georgia
                  facility, filed October 1, 1993 as Exhibit 10.4.7 to
                  Registrant's Form S-1, Registration File No. 33-69876, and
                  incorporated herein by reference.

10.4.8            Lease Agreement dated November 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Principal
                  Shareholders, relating to Registrant's Forest Park, Georgia
                  facility, and amendments thereto, filed October 1, 1993 as
                  Exhibit 10.4.8 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.



                                       12
<PAGE>   13

10.4.9            Rent-Up Guarantee Agreement, filed October 1, 1993 as Exhibit
                  10.4.9 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.5              Tax Indemnification Agreement among Kenneth W. Fletcher,
                  Donald C. Wright, Howard W. Smith, and Registrant, filed
                  October 1, 1993 as Exhibit 10.5 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.6.2            Inventory Financing and Security Agreement between Whirlpool
                  Financial Corporation and Registrant, filed October 1, 1993 as
                  Exhibit 10.6.2 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.6.3            Business Loan Agreement between Bank One, Dayton, NA and
                  Registrant, dated November 23, 1993, for up to $30 million.
                  Filed as Exhibit 10.6.3 to Registrant's Form 10-K for the
                  fiscal year ended December 31, 1993, and incorporated herein
                  by reference.

10.6.3.1          Amendment to Business Loan Agreement between Bank One, Dayton,
                  NA and Registrant, dated April 20, 1994, amending the
                  agreement referred to in Exhibit 10.6.3, and filed as Exhibit
                  10.6.3.1 to Registrant's Annual Report on Form 10-K for the
                  fiscal year ended December 31, 1994, and incorporated herein
                  by reference.

10.6.3.2          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated December 7,
                  1994, amending the agreement referred to in Exhibit 10.6.3,
                  and filed as Exhibit 10.6.3.2 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1994, and
                  incorporated herein by reference.

10.6.3.3          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated October 13,
                  1995, amending the agreement referred to in Exhibit 10.6.3,
                  filed as Exhibit 10.6.3.3 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1995, and
                  incorporated herein by reference.

10.6.3.4          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated as of June
                  29, 1996, amending the agreement referred to in Exhibit
                  10.6.3, filed as Exhibit 10.6.3.4 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.6.3.5          Second Amendment to Amended and Restated Business Loan
                  Agreement between Bank One, Dayton, NA and Registrant, dated
                  December 31, 1996, amending the agreement referred to in
                  Exhibit 10.6.3.4, filed as Exhibit 10.6.3.5 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.6.3.6          Amendment to Second Amended and Restated Business Loan
                  Agreement between Bank One, Dayton, NA and Registrant, dated
                  February 27, 1997, amending the agreement referred to in
                  Exhibit 10.6.3, filed as Exhibit 10.6.3.6 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.6.3.7          Second Amendment to Second Amended and Restated Business Loan
                  Agreement between Bank One, NA, successor by merger of Bank
                  One, Dayton, NA, and Registrant, dated as of June 30, 1997,
                  amending the agreement referred to in Exhibit 10.6.3, filed as
                  Exhibit 10 to Registrant's Quarterly Report on Form 10-Q for
                  the quarter ended September 30, 1997, and incorporated herein
                  by reference.



                                       13
<PAGE>   14

10.6.4            Term loan agreement between Bank One, Dayton, NA and
                  Registrant, dated November 8, 1994, for up to $7 million, and
                  filed as Exhibit 10.6.4 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1994, and
                  incorporated herein by reference.

10.7              Amended and Restated Private Label Revolving Plan Agreement
                  between Registrant and Bank One, Dayton, N.A., filed October
                  1, 1993 as Exhibit 10.7 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.
                  Portions of the Exhibit have been omitted pursuant to a
                  request by Registrant for confidential treatment.

10.8.1            Termination of Stock Redemption Agreement dated September 24,
                  1993 between Roberds Service Company and shareholders of
                  Roberds Service Company, filed October 1, 1993 as Exhibit
                  10.8.1 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.8.2            Termination of Stock Redemption Agreement dated September 24,
                  1993 between Roberds, Inc. and shareholders of Roberds, Inc.,
                  filed October 1, 1993 as Exhibit 10.8.2 to Registrant's Form
                  S-1, Registration File No. 33-69876, and incorporated herein
                  by reference.

10.9#             Letter Agreements Limiting Salary and Bonus of Messrs.
                  Fletcher, Wright and Smith, filed November 12, 1993 as Exhibit
                  10.9 to Registrant's Amendment No. 3 to Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

10.10#            Registrant's Executive Compensation Plan, adopted in 1994,
                  effective for the 1995 calendar year, filed as Exhibit 10.10
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994 and incorporated herein by reference.

10.10.1#          Registrant's Amended and Restated Executive Compensation Plan,
                  as amended for the 1996 calendar year, amending the Plan
                  referred to in Exhibit 10.10 above, and filed as Exhibit
                  10.10.1 to Registrant's Annual Report on Form 10-K for the
                  fiscal year ended December 31, 1995, and incorporated herein
                  by reference.

10.10.2#          Registrant's Seconded Amended and Restated Executive
                  Compensation Plan, as amended for the 1997 calendar year,
                  amending the Plan referred to in Exhibit 10.10.1 above, filed
                  as Exhibit 10.10.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.10.3#          Registrant's Third Amended and Restated Executive Compensation
                  Plan, as amended for the 1998 calendar year, amending the Plan
                  referred to in Exhibit 10.10.2 above, filed herewith.

10.11.1#          Employment Agreement, dated as of March 1, 1996, between
                  Registrant and Charles H. Palko, Vice President-Appliances,
                  filed as Exhibit 10.11.1 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.

10.11.2#          Employment Agreement, dated as of July 10, 1996, between
                  Registrant and Michael E. Ray, President-Tampa Market, filed
                  as Exhibit 10.11.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.11.3#          Employment Agreement, dated as of May 27, 1997, between
                  Registrant and Billy D. Benton, Executive Vice
                  President-Operations, filed herewith.

10.11.4#          Consulting Agreement, dated as of December 1, 1997, between
                  Registrant and Kenneth W. Fletcher, Chairman of the Board,
                  filed herewith.



                                       14
<PAGE>   15

11                Calculation of pro forma net earnings for the years ended
                  December 31, 1993 and 1992, filed on March 25, 1994, as
                  Exhibit 11 to Registrant's Annual Report on Form 10-K for the
                  year ended December 31, 1993, Commission File Number 0-22702,
                  and incorporated herein by reference.

21                Subsidiary of Registrant, filed as Exhibit 21 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1994 and incorporated herein by reference.

*23               Independent Auditors' Consent.

24                Powers of attorney.

27                Financial Data Schedules


*        Exhibits electronically filed herewith.
**       Exhibits incorporated by reference for the first time.
#        Constitutes a "management contract or compensatory plan or
         arrangement," pursuant to Item 14(a)(3),(c).




                                       15
<PAGE>   16



                                  EXHIBIT INDEX



2.3               Stock Purchase Agreement among Registrant, Kenneth W. Fletcher
                  and Donald C. Wright transferring all of the outstanding
                  shares of Roberds Service Company to Registrant, filed October
                  1, 1993 as Exhibit 2.3 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

2.4               Stock Purchase Agreement among Registrant, Kenneth W. Fletcher
                  and Donald C. Wright transferring all of the outstanding
                  shares of Roberd Insurance Agency, Inc. to Registrant, filed
                  October 1, 1993 as Exhibit 2.4 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

2.5               Certificate of merger of Roberds Service Company into Roberds,
                  Inc., effective August 31, 1994, filed as Exhibit 2.5 to
                  Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994 and incorporated herein by reference.

3.1               Amended Articles of Incorporation of Registrant, filed January
                  10, 1994, as Exhibit 4.1 to Registrant's Form S-8,
                  Registration File No. 33-73900, and incorporated herein by
                  reference.

3.2               Amended Code of Regulations of Registrant, filed January 10,
                  1994, as Exhibit 4.2 to Registrant's Form S-8, Registration
                  File No. 33-73900, and incorporated herein by reference.

4.1               Amended Articles of Incorporation of Registrant (filed as
                  Exhibit 3.1).

4.2               Amended Code of Regulations of Registrant (filed as Exhibit
                  3.2).

4.3               Specimen certificate for Registrant's Common Shares, filed
                  October 1, 1993 as Exhibit 4.3 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

4.3.1             Amended specimen certificate for Registrant's Common Shares,
                  reflecting the change in stock transfer agent to National City
                  Bank, Cleveland, Ohio, effective November 1, 1995, filed as
                  Exhibit 4.3.1 to Registrant's Annual Report on Form 10-K for
                  the fiscal year ended December 31, 1995, and incorporated
                  herein by reference.

4.4               Excluded from the exhibits are certain agreements relating to
                  long term debt which, individually, do not exceed 10% of the
                  total assets of Registrant. Registrant hereby undertakes to
                  furnish a copy of such agreements upon request by the
                  Commission.

10.1#             Roberds, Inc. 1993 Stock Incentive Plan, filed October 1, 1993
                  as Exhibit 10.1 to Registrant's Form S-1, Registration File
                  No. 33-69876, and incorporated herein by reference.

10.1.1#           Amendment to Roberds, Inc. 1993 Stock Incentive Plan, filed as
                  Exhibit 99.1 to Registrant's Form S-8, File No. 33-97262,
                  filed September 25, 1995, and incorporated herein by
                  reference.

10.1.2#           Amendment to Roberds, Inc. 1993 Stock Incentive Plan, referred
                  to in Exhibit 10.1, effective as of November 1, 1996, and
                  filed as Exhibit 10.1.2 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.



                                       16
<PAGE>   17

10.2#             Roberds, Inc. Employee Stock Purchase Plan, filed October 1,
                  1993 as Exhibit 10.2 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

10.2.1#           Amendment to Roberds, Inc. Employee Stock Purchase Plan,
                  referred to in Exhibit 10.2, effective as of November 1, 1996,
                  and filed as Exhibit 10.2.1 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.

10.2.2#           Amendment to Roberds, Inc. Employee Stock Purchase Plan,
                  referred to in Exhibit 10.2, effective as of May 13, 1997, and
                  filed as Exhibit 99.1 to Registrant's Form S-8, Registration
                  File No.333-37829, and incorporated herein by reference.

10.3#             Roberds, Inc. 1993 Outside Director Stock Option Plan, filed
                  October 1, 1993 as Exhibit 10.3 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.3.1#           Amendment to Roberds, Inc. 1993 Outside Director Stock Option
                  Plan, referred to in Exhibit 10.3, effective as of November 1,
                  1996, and filed as Exhibit 10.3.1 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.3.2#           Roberds, Inc. Profit Sharing and Employee Retirement Savings
                  Plan, as amended, filed as Exhibit 99 to Registrant's Form
                  S-8, Registration File No. 33-81086, and incorporated herein
                  by reference.

10.3.2.1#         Roberds, Inc. Profit Sharing and Employee Retirement Savings
                  Plan, as adopted March 26, 1997, and filed as Exhibit 99 to
                  Registrant's Form S-8, Registration File No. 333-43977, and
                  incorporated herein by reference.

10.3.3#           Roberds, Inc. Amended and Restated Deferred Compensation Plan
                  for Outside Directors, effective 1996, filed as Exhibit 10.3.2
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1995, and incorporated herein by reference.

10.3.3.1#         Amendment to Roberds, Inc. Amended and Restated Deferred
                  Compensation Plan for Outside Directors, referred to in
                  Exhibit 10.3.3, effective as of February 27, 1996, and filed
                  as Exhibit 10.3.3.1 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.3.3.2#         Amendment to Roberds, Inc. Amended and Restated Deferred
                  Compensation Plan for Outside Directors, referred to in
                  Exhibit 10.3.3, effective as of November 1, 1996, and filed as
                  Exhibit 99.1 to Registrant's Form S-8, Registration File No.
                  333-19903, and filed as Exhibit 10.3.3.2 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.4.1            Lease Agreement dated April 1, 1990 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  facility located at 1000 East Central Avenue, West Carrollton,
                  Ohio, and amendments thereto, filed October 1, 1993 as Exhibit
                  10.4.1 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.4.1.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher and Donald C. Wright, an Ohio general partnership, to
                  Kenneth W. Fletcher, individually, and assigning Registrant's
                  related lease of the property to Mr. Fletcher, all effective
                  January 1, 1995, and filed as Exhibit 10.4.1.1 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1994 and incorporated herein by reference.


                                       17
<PAGE>   18

10.4.1.2          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher, individually, to DAF Investments LTD., an Ohio
                  limited liability company controlled by Mr. Fletcher, and
                  assigning Registrant's related lease of the property to DAF
                  Investments LTD., all effective January 1, 1995, and filed as
                  Exhibit 10.4.1.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.1.3          Assignment and Assumption of Lease in connection with the
                  transfer of ownership of Registrant's facility located at 1000
                  East Central Avenue, West Carrollton, Ohio from DAF
                  Investments LTD., an Ohio limited liability company controlled
                  by Mr. Kenneth W. Fletcher, to DAF West Carrollton Plaza,
                  LTD., an Ohio limited liability company controlled by Mr.
                  Fletcher, and assigning Registrant's related lease of the
                  property to DAF West Carrollton Plaza, LTD., effective January
                  14, 1997, and filed as Exhibit 10.4.1.3 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.4.2            Lease Agreement dated April 1, 1990 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  facility located at 1100 East Central Avenue, West Carrollton,
                  Ohio, and amendments thereto, filed October 1, 1993 as Exhibit
                  10.4.2 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.4.2.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher and Donald C. Wright, an Ohio general partnership, to
                  Kenneth W. Fletcher, individually, and assigning Registrant's
                  related lease of the property to Mr. Fletcher, all effective
                  January 1, 1995, and filed as Exhibit 10.4.2.1 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1994 and incorporated herein by reference.

10.4.2.2          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from Kenneth W.
                  Fletcher, individually, to DAF Investments LTD., an Ohio
                  limited liability company controlled by Mr. Fletcher, and
                  assigning Registrant's related lease of the property to DAF
                  Investments LTD., all effective January 1, 1995, and filed as
                  Exhibit 10.4.2.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.2.3          Assignment and Assumption of Lease in connection with the
                  transfer of ownership of Registrant's facility located at 1100
                  East Central Avenue, West Carrollton, Ohio from DAF
                  Investments LTD., an Ohio limited liability company controlled
                  by Mr. Kenneth W. Fletcher, to DAF West Carrollton Plaza,
                  LTD., an Ohio limited liability company controlled by Mr.
                  Fletcher, and assigning Registrant's related lease of the
                  property to DAF West Carrollton Plaza, LTD., effective January
                  14, 1997, and filed as Exhibit 10.4.2.3 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.4.3            Lease Agreement dated June 1, 1988 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Piqua, Ohio facility, and amendments thereto, filed October 1,
                  1993 as Exhibit 10.4.3 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

10.4.3.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's Piqua, Ohio facility
                  from Kenneth W. Fletcher and Donald C. Wright, an Ohio general
                  partnership, to Donald C. Wright, individually, and assigning
                  Registrant's related lease of the property to



                                       18
<PAGE>   19

                  Mr. Wright, all effective January 1, 1995 and filed as Exhibit
                  10.4.3.1 to Registrant's Annual Report on Form 10-K for the
                  fiscal year ended December 31, 1994 and incorporated herein by
                  reference.

10.4.4            Lease Agreement dated April 1, 1988 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Richmond, Indiana facility, and amendments thereto, filed
                  October 1, 1993 as Exhibit 10.4.4 to Registrant's Form S-1,
                  Registration File No. 33-69876, incorporated herein by
                  reference.

10.4.4.1          Assignment and Assumption Agreement in connection with the
                  transfer of ownership of Registrant's Richmond, Indiana
                  facility from Kenneth W. Fletcher and Donald C. Wright, an
                  Ohio general partnership, to Donald C. Wright, individually,
                  and assigning Registrant's related lease of the property to
                  Mr. Wright, all effective January 1, 1995, and filed as
                  Exhibit 10.4.4.1 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1994 and incorporated
                  herein by reference.

10.4.5            Lease Agreement dated March 1, 1992 among Registrant, Kenneth
                  W. Fletcher and Donald C. Wright, relating to Registrant's
                  Springfield, Ohio facility, and amendments thereto, filed
                  October 1, 1993 as Exhibit 10.4.5 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.4.5.1          Assignment and Assumption of Leases transferring ownership of
                  Registrant's Springfield, Ohio facility from Kenneth W.
                  Fletcher and Donald C. Wright, an Ohio general partnership, to
                  Springfield Properties, Inc., an Ohio corporation owned by
                  Messrs. Fletcher and Wright, and assigning Registrant's
                  related lease of the property to Springfield Properties, Inc.,
                  all effective November 16, 1994, and filed as Exhibit 10.4.5.1
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994, and incorporated herein by reference.

10.4.6            Lease Agreement dated March 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Initial
                  Shareholders, relating to Registrant's Norcross, Georgia
                  facility, filed October 1, 1993 as Exhibit 10.4.6 to
                  Registrant's Form S-1, Registration File No. 33-69876, and
                  incorporated herein by reference.

10.4.6.1          Amendments to Lease Agreement between Registrant and Howard
                  Investments, referred to in Exhibit 10.4.6, effective December
                  20, 1995, pursuant to a sale of the property by Howard
                  Investments to 800 Broadway and Ponce de Leon Stores, which
                  are unrelated to the Company and the Initial Shareholders,
                  filed as Exhibit 10.4.6.1 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1995, and
                  incorporated herein by reference.

10.4.7            Lease Agreement dated March 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Initial
                  Shareholders, relating to Registrant's Marietta, Georgia
                  facility, filed October 1, 1993 as Exhibit 10.4.7 to
                  Registrant's Form S-1, Registration File No. 33-69876, and
                  incorporated herein by reference.

10.4.8            Lease Agreement dated November 1, 1987 between Registrant and
                  Howard Investments, a partnership owned by the Principal
                  Shareholders, relating to Registrant's Forest Park, Georgia
                  facility, and amendments thereto, filed October 1, 1993 as
                  Exhibit 10.4.8 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.4.9            Rent-Up Guarantee Agreement, filed October 1, 1993 as Exhibit
                  10.4.9 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.



                                       19
<PAGE>   20

10.5              Tax Indemnification Agreement among Kenneth W. Fletcher,
                  Donald C. Wright, Howard W. Smith, and Registrant, filed
                  October 1, 1993 as Exhibit 10.5 to Registrant's Form S-1,
                  Registration File No. 33-69876, and incorporated herein by
                  reference.

10.6.2            Inventory Financing and Security Agreement between Whirlpool
                  Financial Corporation and Registrant, filed October 1, 1993 as
                  Exhibit 10.6.2 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.6.3            Business Loan Agreement between Bank One, Dayton, NA and
                  Registrant, dated November 23, 1993, for up to $30 million.
                  Filed as Exhibit 10.6.3 to Registrant's Form 10-K for the
                  fiscal year ended December 31, 1993, and incorporated herein
                  by reference.

10.6.3.1          Amendment to Business Loan Agreement between Bank One, Dayton,
                  NA and Registrant, dated April 20, 1994, amending the
                  agreement referred to in Exhibit 10.6.3, and filed as Exhibit
                  10.6.3.1 to Registrant's Annual Report on Form 10-K for the
                  fiscal year ended December 31, 1994, and incorporated herein
                  by reference.

10.6.3.2          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated December 7,
                  1994, amending the agreement referred to in Exhibit 10.6.3,
                  and filed as Exhibit 10.6.3.2 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1994, and
                  incorporated herein by reference.

10.6.3.3          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated October 13,
                  1995, amending the agreement referred to in Exhibit 10.6.3,
                  filed as Exhibit 10.6.3.3 to Registrant's Annual Report on
                  Form 10-K for the fiscal year ended December 31, 1995, and
                  incorporated herein by reference.

10.6.3.4          Amendment to Amended and Restated Business Loan Agreement
                  between Bank One, Dayton, NA and Registrant, dated as of June
                  29, 1996, amending the agreement referred to in Exhibit
                  10.6.3, filed as Exhibit 10.6.3.4 to Registrant's Annual
                  Report on Form 10-K for the fiscal year ended December 31,
                  1996, and incorporated herein by reference.

10.6.3.5          Second Amendment to Amended and Restated Business Loan
                  Agreement between Bank One, Dayton, NA and Registrant, dated
                  December 31, 1996, amending the agreement referred to in
                  Exhibit 10.6.3.4, filed as Exhibit 10.6.3.5 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.6.3.6          Amendment to Second Amended and Restated Business Loan
                  Agreement between Bank One, Dayton, NA and Registrant, dated
                  February 27, 1997, amending the agreement referred to in
                  Exhibit 10.6.3, filed as Exhibit 10.6.3.6 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1996, and incorporated herein by reference.

10.6.3.7          Second Amendment to Second Amended and Restated Business Loan
                  Agreement between Bank One, NA, successor by merger of Bank
                  One, Dayton, NA, and Registrant, dated as of June 30, 1997,
                  amending the agreement referred to in Exhibit 10.6.3, filed as
                  Exhibit 10 to Registrant's Quarterly Report on Form 10-Q for
                  the quarter ended September 30, 1997, and incorporated herein
                  by reference.

10.6.4            Term loan agreement between Bank One, Dayton, NA and
                  Registrant, dated November 8, 1994, for up to $7 million, and
                  filed as Exhibit 10.6.4 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1994, and
                  incorporated herein by reference.



                                       20
<PAGE>   21

10.7              Amended and Restated Private Label Revolving Plan Agreement
                  between Registrant and Bank One, Dayton, N.A., filed October
                  1, 1993 as Exhibit 10.7 to Registrant's Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.
                  Portions of the Exhibit have been omitted pursuant to a
                  request by Registrant for confidential treatment.

10.8.1            Termination of Stock Redemption Agreement dated September 24,
                  1993 between Roberds Service Company and shareholders of
                  Roberds Service Company, filed October 1, 1993 as Exhibit
                  10.8.1 to Registrant's Form S-1, Registration File No.
                  33-69876, and incorporated herein by reference.

10.8.2            Termination of Stock Redemption Agreement dated September 24,
                  1993 between Roberds, Inc. and shareholders of Roberds, Inc.,
                  filed October 1, 1993 as Exhibit 10.8.2 to Registrant's Form
                  S-1, Registration File No. 33-69876, and incorporated herein
                  by reference.

10.9#             Letter Agreements Limiting Salary and Bonus of Messrs.
                  Fletcher, Wright and Smith, filed November 12, 1993 as Exhibit
                  10.9 to Registrant's Amendment No. 3 to Form S-1, Registration
                  File No. 33-69876, and incorporated herein by reference.

10.10#            Registrant's Executive Compensation Plan, adopted in 1994,
                  effective for the 1995 calendar year, filed as Exhibit 10.10
                  to Registrant's Annual Report on Form 10-K for the fiscal year
                  ended December 31, 1994 and incorporated herein by reference.

10.10.1#          Registrant's Amended and Restated Executive Compensation Plan,
                  as amended for the 1996 calendar year, amending the Plan
                  referred to in Exhibit 10.10 above, and filed as Exhibit
                  10.10.1 to Registrant's Annual Report on Form 10-K for the
                  fiscal year ended December 31, 1995, and incorporated herein
                  by reference.

10.10.2#          Registrant's Seconded Amended and Restated Executive
                  Compensation Plan, as amended for the 1997 calendar year,
                  amending the Plan referred to in Exhibit 10.10.1 above, filed
                  as Exhibit 10.10.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.10.3#          Registrant's Third Amended and Restated Executive Compensation
                  Plan, as amended for the 1998 calendar year, amending the Plan
                  referred to in Exhibit 10.10.2 above, filed herewith.

10.11.1#          Employment Agreement, dated as of March 1, 1996, between
                  Registrant and Charles H. Palko, Vice President-Appliances,
                  filed as Exhibit 10.11.1 to Registrant's Annual Report on Form
                  10-K for the fiscal year ended December 31, 1996, and
                  incorporated herein by reference.

10.11.2#          Employment Agreement, dated as of July 10, 1996, between
                  Registrant and Michael E. Ray, President-Tampa Market, filed
                  as Exhibit 10.11.2 to Registrant's Annual Report on Form 10-K
                  for the fiscal year ended December 31, 1996, and incorporated
                  herein by reference.

10.11.3#          Employment Agreement, dated as of May 27, 1997, between
                  Registrant and Billy D. Benton, Executive Vice
                  President-Operations, filed herewith.

10.11.4#          Consulting Agreement, dated as of December 1, 1997, between
                  Registrant and Kenneth W. Fletcher, Chairman of the Board,
                  filed herewith.



                                       21
<PAGE>   22

11                Calculation of pro forma net earnings for the years ended
                  December 31, 1993 and 1992, filed on March 25, 1994, as
                  Exhibit 11 to Registrant's Annual Report on Form 10-K for the
                  year ended December 31, 1993, Commission File Number 0-22702,
                  and incorporated herein by reference.

21                Subsidiary of Registrant, filed as Exhibit 21 to Registrant's
                  Annual Report on Form 10-K for the fiscal year ended December
                  31, 1994 and incorporated herein by reference.

*23               Independent Auditors' Consent.

24                Powers of attorney.

27                Financial Data Schedules


*        Exhibits electronically filed herewith.
**       Exhibits incorporated by reference for the first time.
#        Constitutes a "management contract or compensatory plan or
         arrangement," pursuant to Item 14(a)(3),(c).





                                       22