UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                  Under the Securities Exchange Act of 1934

                               (Amendment No. 3)*


                          Garden Fresh Restaurant Corp.
                          ----------------------------
                                (Name of Issuer)



                   Common Stock, par value $0.01 per share
                   ---------------------------------------
                         (Title of Class of Securities)



                                   365235 10 0
                                   -----------
                                 (CUSIP Number)



                              December 31, 2001
                              -----------------
           (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)
/ /  Rule 13d-1(c)
/X/  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).


                                  Page 1 of 8



CUSIP NO. 365235 10 0               SCHEDULE 13G                 Page 2 of 8
-------------------------------------------------------------------------------
        1        NAMES OF REPORTING PERSONS
                 I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (entities only)

                 The St. Paul Companies, Inc.
                 41-0518860

-------------------------------------------------------------------------------
        2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*

                 Not Applicable                      (a) / /

                                                     (b) / /

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

-------------------------------------------------------------------------------
        4        CITIZENSHIP OR PLACE OF ORGANIZATION
                 Minnesota corporation

-------------------------------------------------------------------------------
  NUMBER OF                       5     SOLE VOTING POWER
   SHARES                                    0
BENEFICIALLY     --------------------------------------------------------------
  OWNED BY                        6     SHARED VOTING POWER
    EACH                                     207,104 (see Item 4)
  REPORTING      --------------------------------------------------------------
   PERSON                         7     SOLE DISPOSITIVE POWER
    WITH                                     0
                 --------------------------------------------------------------
                                  8     SHARED DISPOSITIVE POWER
                                             207,104 (see Item 4)
-------------------------------------------------------------------------------
        9        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                 207,104 (see Item 4)
-------------------------------------------------------------------------------
        10       CHECK BOX If THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
                 SHARES* / /
                 Not Applicable

-------------------------------------------------------------------------------
        11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
                 3.6%
-------------------------------------------------------------------------------
        12       TYPE OF REPORTING PERSON*
                 HC, IC and CO
-------------------------------------------------------------------------------
                    *SEE INSTRUCTIONS BEFORE FILLING OUT!


                                  Page 2 of 8



CUSIP NO. 365235 10 0               SCHEDULE 13G                 Page 3 of 8
-------------------------------------------------------------------------------
        1        NAMES OF REPORTING PERSONS
                 I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (entities only)

                 The St. Paul Fire and Marine Insurance Company
                 41-0406690

-------------------------------------------------------------------------------
        2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*

                 Not Applicable                      (a) / /

                                                     (b) / /

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

-------------------------------------------------------------------------------
        4        CITIZENSHIP OR PLACE OF ORGANIZATION
                 Minnesota corporation

-------------------------------------------------------------------------------
  NUMBER OF                       5     SOLE VOTING POWER
   SHARES                                    0
BENEFICIALLY     --------------------------------------------------------------
  OWNED BY                        6     SHARED VOTING POWER
    EACH                                     207,104 (see Item 4)
  REPORTING      --------------------------------------------------------------
   PERSON                         7     SOLE DISPOSITIVE POWER
    WITH                                     0
                 --------------------------------------------------------------
                                  8     SHARED DISPOSITIVE POWER
                                             207,104 (see Item 4)
-------------------------------------------------------------------------------
        9        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                 207,104 (see Item 4)
-------------------------------------------------------------------------------
        10       CHECK BOX If THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
                 SHARES* / /
                 Not Applicable

-------------------------------------------------------------------------------
        11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
                 3.6%
-------------------------------------------------------------------------------
        12       TYPE OF REPORTING PERSON*
                 IC and CO
-------------------------------------------------------------------------------
                      *SEE INSTRUCTIONS BEFORE FILLING OUT!


                                  Page 3 of 8



Item 1(a).  NAME OF ISSUER:

            The name of the issuer is Garden Fresh Restaurant Corp. (the
            "Issuer").

Item 1(b).  ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

            The address of the principal executive offices of the Issuer is
            17180 Bernardo Center Drive, San Diego, CA 92128.

Item 2(a).  NAME OF PERSONS FILING:

            The St. Paul Companies, Inc. ("The St. Paul") and St. Paul Fire
            and Marine Insurance Company ("F&M").  The St. Paul and F&M are
            collectively referred to herein as the "Reporting Persons."

Item 2(b).  ADDRESS OF PRINCIPAL BUSINESS OFFICE:

            The principal business address of each of the Reporting Persons
            is 385 Washington Street, St. Paul, Minnesota  55102.

Item 2(c).  CITIZENSHIP:

            Each of The St. Paul and F&M is a  Minnesota corporation.

Item 2(d).  TITLE OF CLASS OF SECURITIES:

            The class of equity securities to which this Statement relates is
            the common stock, par value $0.01 per share, of the Issuer (the
            "Common Stock").

Item 2(e).  CUSIP NUMBER:

            The CUSIP number of the Common Stock is 365235 10 0.

Item 3.     IF THIS STATEMENT IS FILED PURSUANT TO RULES 13d-1(b), OR
            13d-2(b) OR (c), CHECK WHETHER THE FILING PERSON IS A:

            (a)   / /   Broker or Dealer registered under Section 15 of the
                        Securities Exchange Act of 1934 (the "Act").

            (b)   / /   Bank, as defined in Section 3(a)(6) of the Act.

            (c)   / /   Insurance Company, as defined in Section 3(a)(19) of the
                        Act.

            (d)   / /   Investment Company registered under Section 8 of the
                        Investment Company Act of 1940.

            (e)   / /   Investment Advisor registered under Section 203 of the
                        Investment Advisers Act of 1940.


                                  Page 4 of 8



            (f)   / /   Employee Benefit Plan, Pension Fund, which is subject to
                        the provisions of the Employee Retirement Income
                        Security Act of 1974 or Endowment Fund; see Rule
                        13d-1(b)(1)(ii)(F) of the Act.

            (g)   / /   Parent Holding Company or Control Person, in accordance
                        with Rule 13d-1(b)(ii)(G) (Note: See Item 7).

            (h)   / /   Savings Associations, as defined in Section 3(b) of the
                        Federal Deposit Insurance Act.

            (i)   / /   Church Plan, that is excluded from the definition of an
                        investment company under Section 3(c)(14) of the
                        Investment Company Act of 1940.

            (h)   / /   Group, in accordance with Rule 13d-1(b)(1)(ii)(J).


Item 4.     OWNERSHIP:

      (a)   Amount beneficially owned:  Each of The St. Paul and F&M may be
      deemed to own beneficially 207,104 shares of Common Stock of the
      Issuer.  F&M is a wholly owned subsidiary of The St. Paul.  F&M is the
      99% owner of St. Paul Venture Capital IV, LLC ("SPVC IV").   F&M is the
      record owner of 57,104 shares of Common Stock. F&M also beneficially
      owns, through its 99% ownership interest in SPVC IV, 150,000 shares of
      Common Stock.  By virtue of the affiliate relationships among The St.
      Paul, F&M and SPVC IV, each of The St. Paul and F&M may be deemed to
      own beneficially all of the shares described in this Schedule 13G.
      Hence, each of The St. Paul and F&M may be deemed to beneficially own
      207,104 shares of the Common Stock of the Issuer.

      (b)   Percent of class:  The St. Paul:  3.6% and F&M:  3.6%.  The
      foregoing percentages are calculated based on the 5,688,926 shares of
      Common Stock reported to be outstanding by the Issuer on its most
      recently filed annual report on Form 10-K for the year ended September
      30, 2001.

      (c)   Number of shares as to which each of The St. Paul and F&M has:



            (i)   Sole power to vote or to direct the vote .....................        0

            (ii)  Shared power to vote or to direct the vote ...................  207,104

            (iii) Sole power to dispose or to direct the disposition of ........        0

            (iv)  Shared power to dispose or to direct the disposition of ......  207,104



                                  Page 5 of 8



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 Persons have ceased to be the beneficial
            owner of more than 5 percent of the class of securities, check the
            following. [X]

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

            Not Applicable.

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

            Not Applicable.

Item 8.     IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:

            Not Applicable.

Item 9.     NOTICE OF DISSOLUTION OF GROUP:

            Not Applicable.

Item 10.    CERTIFICATION:

            Not Applicable.


                                  Page 6 of 8



                                  SIGNATURE

After reasonable inquiry and to the best of its knowledge and belief, each of
the undersigned certifies that the information set forth in this statement is
true, complete and correct.

Date:  January 23, 2002.

THE ST. PAUL COMPANIES, INC.


      By:   /s/ Bruce A. Backberg
            -------------------------------
            Bruce A. Backberg
      Its:  Senior Vice President



ST. PAUL FIRE AND MARINE INSURANCE COMPANY


      By:   /s/ Bruce A. Backberg
            --------------------------------
            Bruce A. Backberg
      Its:  Senior Vice President


                                  Page 7 of 8