UNION ACCEPTANCE CORP
8-K, 1999-03-17
PERSONAL CREDIT INSTITUTIONS
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                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                              --------------------
                                    FORM 8-K
                              ---------------------

                                 CURRENT REPORT

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

       Date of Report (Date of earliest event reported): March 12, 1999


                          UNION ACCEPTANCE CORPORATION
             (Exact name of registrant as specified in its charter)


                                    INDIANA
                 (State or other jurisdiction of incorporation)


            0-26412                                     35-1908796
    (Commission File Number)                           (IRS Employer 
                                                     Identification No.)



250 N. Shadeland Avenue, Indianapolis, IN                    46219
 (Address of principal executive offices)                 (Zip Code)

                                 (317) 231-6400
              (Registrant's telephone number, including area code)


<PAGE>

ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT

     (b) On March 12, 1999, Union Acceptance Corporation (the "Company") engaged
new independent accountants,  Deloitte & Touche LLP (the "New Accountants"),  to
audit the Company's financial statements as of, and for the year ended, June 30,
1999.  The  decision to appoint the New  Accountants  was  approved by the Audit
Committee of the Board of Directors.

     The New Accountants were not consulted by the Company as to the application
of accounting  principles to a specific completed or proposed transaction or the
type of  audit  opinion  that  might  be  rendered  on the  Company's  financial
statements during the last two fiscal years or subsequent interim period through
March 12, 1999.


<PAGE>


                                   SIGNATURES


     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 thereunto duly authorized.


                                       UNION ACCEPTANCE CORPORATION


March 17, 1999                         By: /s/ Rick A. Brown
                                          ----------------------------------
                                       Rick A. Brown, Vice President
                                       Treasurer and Chief Financial Officer





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