SYMONS INTERNATIONAL GROUP INC
NT 10-Q, 1999-11-16
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):

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

         For Period Ended: September 30, 1999

         [ ] 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 [o Form 10-QSB] [ ] Transition Report on Form N-SAR

         For the Transition Period Ended:


Commission File Number:0-29042
- --------------------------------------------------------------------------------

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  are in the final
stages of completion.  The delay is caused in large part by the Company's recent
appointment of a new Chief Financial Officer. Final completion of the Form 10-Q
is expected shortly and within the extended due date.

                           Part IV - Other Information



<PAGE>


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

         Douglas H. Symons                                    317      259-6413
         Chief Operating Officer

         Bruce K. Dwyer                                       317      259-6408
         Vice President, Chief Financial Officer and Treasurer

(2)Have all other periodic  reports required under Section 13 or  [X] Yes [ ] No
         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 results of    [ ] Yes [X] No
         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.

                        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.


November 16, 1999
                                        By: /s/ Douglas H. Symons
                                        Chief Operating Officer



November 16, 1999
                                        By: /s/ Bruce K. Dwyer
                                        Vice President, Chief Financial Officer
                                        and Treasurer


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