SYMONS INTERNATIONAL GROUP INC
NT 10-K, 1999-03-31
FIRE, MARINE & CASUALTY INSURANCE
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                                  FORM 12b-25

                    U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                          NOTIFICATION OF LATE FILING

                                  (Check One):

[ X ] Form 10-K or Form 10-KSB  [ ] Form 20-F  [ ] Form 11-K  [ ] Form 10-Q or
Form 10-QSB  [ ] Form N-SAR

         For Period Ended:  December 31, 1998

         [ ] Transition Report on Form 10-K or Form 10-KSB
         [ ] Transition Report on Form 20-F
         [ ] Transition Report on Form 11-K
         [ ] Transition Report on Form 10-Q [or Form 10-QSB]
         [ ] Transition Report on Form N-SAR

         For the Transition Period Ended:


Commission File Number:  1-12369

- -------------------------------------------------------------------------------

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

- -------------------------------------------------------------------------------

If the notification  relates to a portion of the filing checked above,  identify
the Item(s) to which the notification relates:


                        Part I - Registrant Information

Full Name of Registrant:                     Symons International Group, Inc.
Former Name If Applicable:                   N/A
Address of Principal Executive Office:       4720 Kingsway Drive
City, State and Zip Code:                    Indianapolis, Indiana 46205


<PAGE>

                       Part II - Rules 12b-25(b) and (c)

If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate.)

   [X] (a) The reasons described in reasonable detail in Part III of this form
           could not be eliminated without unreasonable effort or expense;

   [ ] (b) The subject annual report, semi-annual report, transition report on
           Form 10-K or Form 10-KSB, Form 20-F, 11-K or Form N-SAR, or portion
           thereof will be filed on or before the fifteenth calendar day
           following the prescribed due date; or the subject quarterly report
           or transition  report on Form 10-Q [or Form 10-QSB], or portion
           thereof will be filed on or before the fifth calendar day following
           the prescribed due date; and

   [ ] (c) The accountant's statement or other exhibit required by the Rule
           12b-25(c) has been attached if applicable.

                              Part III - Narrative

The Company's  financial  statements  and related  disclosures as of and for the
year ended  December 31, 1998,  are not yet  completed.  In connection with the
acquisition made in the crop division, the Company is currently attempting to
resolve a discrepancy in one of the balance sheet accounts of the acquired
enterprise.  Completion is expected shortly and within the extended due date.

                          Part IV - Other Information

(1)      Name and telephone number of person to contact in regard to this
         notification.

         Alan G. Symons             317         259-6302
         Chief Executive Officer

         Gary P. Hutchcraft         317         259-6414
         Vice President and Chief Financial Officer

(2)      Have all other periodic reports required under        [X] YES  [] NO
         Section 13 or 15(d) of the Securities Exchange
         Act of 1934 of Section 30 of the Investment
         Company Act of 1940 during the preceding 12 months
         or for such shorter period that the registrant was
         required to file such report(s) been filed?  If
         answer is no identify report(s).

(3)      Is it anticipated that any significant change in      [X] YES  [] NO
         results of operation from the corresponding  period
         for the last fiscal year will be reflected by the
         earnings statements to be included in the subject
         report or portion thereof?  If so: attach an
         explanation of the anticipated change, both
         narratively and quantitatively, and, if appropriate,
         state the reasons why a reasonable estimate of the
         results cannot be made.


<PAGE>

The  Company  issued a press  release on March 2,  1999 with quantitative  and
narrative description of these changes.

                        SYMONS INTERNATIONAL GROUP, INC.
                  (Name of Registrant as specified in charter)

has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.




March 31, 1999                       By:  /s/ Alan G. Symons
                                     Chief Executive Officer




March 31, 1999                       By:  /s/ Gary P. Hutchcraft
                                     Vice President and Chief Financial Officer





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