PICO HOLDINGS INC /NEW
15-12G, 1999-01-19
FIRE, MARINE & CASUALTY INSURANCE
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<PAGE>   1
                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 15

     CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION
   12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE
  REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                        Commission File Number   000-18786

                              PICO Holdings, Inc.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

       875 Prospect Street, Suite 301, La Jolla, CA 92037, (619)456-6022
- --------------------------------------------------------------------------------
  (Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)

                         Preferred Stock Purchase Right
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                  Common Stock
- --------------------------------------------------------------------------------
  (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)

   Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

     Rule 12g-4(a)(1)(i)     [X]         Rule 12h-3(b)(1)(i)     [ ]
     Rule 12g-4(a)(1)(ii)    [ ]         Rule 12h-3(b)(1)(ii)    [ ]
     Rule 12g-4(a)(2)(i)     [ ]         Rule 12h-3(b)(2)(i)     [ ]
     Rule 12g-4(a)(2)(ii)    [ ]         Rule 12h-3(b)(2)(ii)    [ ]
                                         Rule 15d-6              [ ]

   Approximate number of holders of record as of the certification or notice
date:  None.

   Pursuant to the requirements of the Securities Exchange Act of 1934 PICO
Holdings, Inc. has caused this certification/notice to be signed on its behalf
by the undersigned duly authorized person.

Date:  January 4, 1999             By: /s/ James F. Mosier
     ------------------                --------------------------------
                                       James F. Mosier, Secretary


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