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                                                                   Exhibit 10.22

                         FURNISHINGS INTERNATIONAL INC.
                              RESTRICTED STOCK PLAN



Section 1.  Purpose

      The Plan authorizes the Chairman to provide employees, directors and
consultants of the Corporation or its subsidiaries, who are in a position to
contribute materially to the long-term success of the Corporation or its
subsidiaries, with shares of Common Stock of the Corporation, the full enjoyment
of which may conditioned upon a specified period of future employment. The
Corporation believes that this incentive program will cause those persons to
increase their interest in the welfare of the Corporation and its subsidiaries,
and aid in attracting and retaining employees, directors and consultants of
outstanding ability.


Section 2.  Definitions

      Unless the context clearly indicates otherwise, the following terms, when
used in the Plan, shall have the meanings set forth in this Section:

      (a) "Board" means the Board of Directors of the Corporation.

      (b) "Chairman" means initially, the Chairman, President, and Chief
Executive Officer of the Corporation so long as such position shall be held by
Wayne B. Lyon, and thereafter such person or persons as shall be designated by
the Board.

      (c) "Common Stock" means shares of Class C Common Stock, par value $.01
per share, of the Corporation, or any shares of stock of the Corporation into
which the Class C Common Stock is converted.

      (d) "Consultant" means any person who is engaged to perform services for
the Corporation or any subsidiary of the Corporation, other than as an Employee
or Director.

      (e) "Corporation" means FURNISHINGS INTERNATIONAL INC., a Delaware
corporation.

      (f) "Director" means any member of the Board.


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      (g) "Employee" means any employee of the Corporation or any subsidiary of
the Corporation, including directors who are otherwise employed thereby.

      (h) "Grantee" means a person granted shares of Restricted Stock under the
Plan.

      (i) "Plan" means this Restricted Stock Plan as set forth herein and as
amended from time to time.

      (j) "Restricted Stock" means a share of Common Stock granted pursuant to
the Plan that is subject to such restrictions as authorized pursuant to Section
5.


Section 3.  Shares of Common Stock Subject to the Plan

      Subject to adjustment as provided in Section 6, the Common Stock which may
be issued as Restricted Stock pursuant to the Plan shall not exceed 17,122
shares in the aggregate. Common Stock issuable under the Plan may be authorized
but unissued shares or reacquired shares of Common Stock. Unless otherwise
determined by the Board with the concurrence of the Chairman, shares of
Restricted Stock that are forfeited or are canceled for any reason shall become
available for reissuance under the Plan.

Section 4.  Administration of the Plan

      The Plan shall be administered by the Chairman. Subject to the express
provisions of the Plan, the Chairman shall have the authority to interpret the
Plan, to prescribe, amend, and rescind rules and regulations relating to the
Plan, to determine the terms and provisions of grant certificates thereunder and
to make all other determinations necessary or advisable for the administration
of the Plan. All interpretations and determinations made by the Chairman in
accordance with the provisions of the Plan shall be final and binding.

Section 5.  Grant of Restricted Stock

      The Chairman shall determine and designate from time to time in his sole
discretion:

            (i)   Employees who are to be granted Restricted Stock (except that
                  grants to the Chairman himself shall require the prior
                  approval of the Board as set forth below in this Section 5),
                  and

            (ii)  the number of shares of Common Stock subject to each such
                  grant.

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      Restricted Stock shall be granted exclusively in consideration of
services.

      Without the prior approval of the Board (acting by Affirmative Board Vote
(as such term is defined in the Stockholders' Agreement, dated as of August 5,
1996, among the Corporation and its stockholders (the "Stockholders'
Agreement")), the type and duration of the restrictions that shall be applicable
to the Restricted Stock, including, but not limited to, conditions relating to
the vesting of the shares and their transferability, shall be identical to those
set forth in the Stockholders' Agreement.

Section 6.  Adjustment Upon Changes in Capitalization

      In the event of any reclassification, recapitalization, merger,
consolidation, reorganization, stock dividend, stock split or reverse stock
split, or any other similar change in corporate structure which, in the
judgement of the Board affects the value of the shares of Common Stock, the
Board may make proportional adjustments to the number and class of shares
available for issuance hereunder and the number and class of shares of
Restricted Stock theretofore granted.


Section 7.  Additional Restrictions on Shares

      In addition to the restrictions that may be imposed under Section 5, the
Chairman and/or the Board may require that the Corporation receive from the
Grantee representations, warranties and agreements to the effect, among others,
that the Common Stock to be acquired by the Grantee is being acquired for
investment only and not with a view toward distribution of such Common Stock;
that the Grantee will not dispose of such Common Stock except in transactions
which, in the opinion of counsel to the Corporation, would comply with the
registration provisions of the 1933 Act and all other applicable laws and
regulations; that the Grantee will agree to be bound by the terms and conditions
set forth in any stockholders' agreement or voting trust then in effect and will
become a party thereto; and that the Grantee will be bound with respect to such
Common Stock by the terms and conditions of such restrictions on voting or
transfer as the Corporation may deem necessary or desirable (including, but not
limited to, restrictions that are required or recommended by an underwriter in
connection with a public offering). The Corporation may cause a legend or
legends to be placed on any certificates representing shares issued pursuant to
the Plan.

Section 8.  General Provisions

      (a) Each Restricted Stock grant shall be evidenced by a written grant
certificate containing such terms and conditions, not inconsistent with the
Plan, as the Chairman shall approve.


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      (b) The grant of Restricted Stock in any year shall not give the Grantee
any right to similar grants in future years or any right to continue such
Grantee's employment relationship with the Corporation or any subsidiary of the
Corporation. All Grantees shall remain subject to discharge to the same extent
as if the Plan were not in effect.

      (c) No Grantee, and no beneficiary or other persons claiming under or
through the Grantee, shall have any right, title or interest by reason of any
grant of Restricted Stock to any particular assets of the Corporation or any
subsidiary of the Corporation, or any shares of Common Stock allocated or
reserved for the purposes of the Plan.

      (d) The Corporation shall have the right to require that the Grantee make
such provision, or furnish the Corporation such authorization, necessary or
desirable so that the Corporation or any subsidiary of the Corporation may
satisfy its obligation, under applicable laws, to withhold or otherwise pay for
income or other taxes of the Grantee attributable to the grant or vesting of
Restricted Stock.

      (e) The validity, construction, and effect of the Plan, any rules and
regulations relating to the Plan, and any grant certificate shall be determined
in accordance with the Delaware General Corporation Law, without giving effect
to principles of conflicts of laws, and applicable federal law.

Section 9.  Amendment or Termination

      The Board, with the concurrence of the Chairman, may alter, amend,
suspend, discontinue or terminate the Plan at any time; provided, however, that
no such action shall adversely affect the rights of Grantees of Restricted Stock
previously granted hereunder and, provided further, however, that any
stockholder approval necessary in order to comply with applicable law or
regulation shall be obtained in the manner required therein.


Section 10. Effective Date of Plan

      The Plan shall be effective as of August 5, 1996.

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