EMONS TRANSPORTATION GROUP INC
SC 13G/A, 2000-02-11
RAILROADS, LINE-HAUL OPERATING
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================================================================================

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

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                               (Amendment No. 1)*


                        EMONS TRANSPORTATION GROUP, INC.
             -------------------------------------------------------
                                (Name of Issuer)

                     Common Stock, Par Value $.01 per share
             -------------------------------------------------------
                         (Title of Class of Securities)

                                    291575108
             -------------------------------------------------------
                                 (CUSIP Number)

                                December 31, 1999
             -------------------------------------------------------
             (Date of Event Which Requires Filing of This Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:

         |X|      Rule 13d-1(b)

         | |      Rule 13d-1(c)

         | |      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).

================================================================================
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CUSIP NO. 291575108                   13G                      Page 2 of 5 Pages

- --------------------------------------------------------------------------------
(1)      NAME OF REPORTING PERSON
         Reliance Financial Services Corporation

         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
         I.R.S. Employer Identification No.: 51-0113548

- --------------------------------------------------------------------------------
(2)      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                         (a) | |
                                                                         (b) | |
- --------------------------------------------------------------------------------
(3)      SEC USE ONLY

- --------------------------------------------------------------------------------
(4)      CITIZENSHIP OR PLACE OF ORGANIZATION
         Delaware
- --------------------------------------------------------------------------------
                          (5)    SOLE VOTING POWER
                                 371,321
                          ------------------------------------------------------
    NUMBER OF SHARES      (6)    SHARED VOTING POWER
   BENEFICIALLY OWNED
         BY EACH          ------------------------------------------------------
    REPORTING PERSON      (7)    SOLE DISPOSITIVE POWER
           WITH                  371,321
                          ------------------------------------------------------
                          (8)    SHARED DISPOSITIVE POWER

- --------------------------------------------------------------------------------
(9)      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         371,321
- --------------------------------------------------------------------------------
(10)     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
                                                                             | |
- --------------------------------------------------------------------------------
(11)     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
         4.7%
- --------------------------------------------------------------------------------
(12)     TYPE OF REPORTING PERSON*
         HC
- --------------------------------------------------------------------------------
                      *SEE INSTRUCTION BEFORE FILLING OUT!
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CUSIP NO. 291575108                   13G                      Page 3 of 5 Pages


Item 1.     (a)   Name of Issuer:
                  Emons Transportation Group, Inc.

            (b)   Address of Issuer's Principal Executive Offices:
                  96 South George Street, York, Pennsylvania 17401

Item 2.     (a)   Name of Person Filing:
                  Reliance Financial Services Corporation

            (b)   Address of Principal Business Office or, if none, Residence:
                  Park Avenue Plaza, 55 East 52nd Street, New York, NY 10055

            (c)   Citizenship:
                  Delaware

            (d)   Title of Class of Securities:
                  Common Stock, Par Value $0.01

            (e)   CUSIP Number:
                  291575108

Item 3.     (g)   |x| Parent Holding Company, in accordance with Section
                      240.13d-1(b)(1)(ii)(G)

Item 4.     Ownership.

            (a)  Amount Beneficially Owned As of December 3l, l999:
                 371,321

            (b)  Percent of Class:
                 4.7%

            (c)  Number of shares as to which such person has:

                 (i)  sole power to vote or to direct the vote:
                      371,321

                 (ii) shared power to vote or to direct the vote:
                      -0-

                 (iii)sole power to dispose or to direct the disposition of:
                      371,321

                 (iv) shared power to dispose or to direct the disposition of:
                      -0-


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CUSIP NO. 291575108                   13G                      Page 4 of 5 Pages


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 person has ceased to be the beneficial
            owner of more than five 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.
            Reliance Insurance Company

Item 8.     Identification and Classification of Members of the Group.
            Not Applicable

Item 9.     Notice of Dissolution of Group.
            Not Applicable

<PAGE>


CUSIP NO. 291575108                   13G                      Page 5 of 5 Pages


Item 10. Certification.

     By signing below I certify that, to the best of my knowledge and belief,
the securities referred to above were acquired and are held in the ordinary
course of business and were not acquired and are not held for the purpose of or
with the effect of changing or influencing the control of the issuer of the
securities and were not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.


                                   SIGNATURE


     After reasonable inquiry and to the best of my knowledge and belief,
I certify that the information set forth in this statement is true, complete
and correct.


Date:  February 11, 2000 as of December 31, 1999


       RELIANCE FINANCIAL SERVICES CORPORATION


       By: /s/ James E. Yacobucci
       ---------------------------------
       James E. Yacobucci
       Senior Vice President-Investments



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