[samaz]

To everyone who named a chain store - like Christmas Tree Shops - the question was about a small business an individual could add to the Villages - this type of small shop adds to the quality of life with unique products and services by an on-site owner. This is preferable to the "service" of an inexperienced teenager hawking cheap stuff made in China (about which he knows nothing).
One concern might be the over-building of big stores on the highway putting the town centers out of business. Thirty years ago regional malls killed downtowns in similar fashion.
Worries aside, I'll remind you of what you already know - there's always room for one more of anything, as long as you do it better, add more value for your customers, and find an affordable way to market it.