SYMONS INTERNATIONAL GROUP INC
8-K/A, 1999-11-01
FIRE, MARINE & CASUALTY INSURANCE
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                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                   FORM 8-K/A
                        Amendment No. 1 to Current Report

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

Date of Report (Date earliest event reported): November 1, 1999
                                              (October 15, 1999)


                        SYMONS INTERNATIONAL GROUP, INC.
             (Exact name of registrant as specified in its charter)

                             State of Incorporation:
                                     Indiana

                 Commission File Number IRS Employer Id. Number
                           No. 0-29042 No. 35-1707115

                     Address of Principal Executive Offices:
                               4720 Kingsway Drive
                           Indianapolis, Indiana 46205

                           Registrant's Telephone No.
                                 (317) 259-6400



<PAGE>




ITEM 4.   CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT

         On October 15, 1999, Symons  International  Group, Inc. ("Company") was
advised by Arthur  Anderson LLP  ("Andersen")  that  Andersen had decided not to
accept the June 1, 1999  appointment by the Company's  Audit Committee and Board
of Directors as the Company's independent auditors for 1999.

         Andersen has not issued any  independent  accountant's  reports and has
not performed any attest or review services for the Company.

         During the two years ended  December  31, 1997 and 1998 and the interim
period  through  October 15, 1999,  there were no  disagreements  or "reportable
events" with Andersen as described in Items  304(a)(1)(iv) and (v) of Regulation
S-K.

         The Company has requested  Andersen  furnish it with a letter addressed
to the SEC stating whether or not Andersen agrees with the statements  contained
herein.  A copy of  Andersen's  letter is attached as an exhibit to this amended
report.


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

         Financial Statements:   None

         Exhibits:

Exhibit No.                             Description
  16                       Letter regarding Change in Certifying Accountant


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                                                Symons International Group, Inc.



                                                  By: /s/ Douglas H. Symons
                                                          Douglas H. Symons
                                                     Chief Operating Officer

                                                  Date:    November 1, 1999




<PAGE>




                                   EXHIBIT 16



Arthur Andersen LLP


November 1, 1999

Office of the Chief Accountant
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

Dear Sir/Madam:

We have  read  Item 4 in the  Form  8-K/A  dated  November  1,  1999  of  Symons
International  Group,  Inc.  to  be  filed  with  the  Securities  and  Exchange
Commission  and  are in  agreement  with  the  statements  concerning  our  firm
contained therein.

Very truly yours,

Arthur Andersen LLP


By:   /s/ Terry D. Hardy
          Terry D. Hardy


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