SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 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): January 26, 1999 MOTOR CLUB OF AMERICA (Exact Name of Registrant as specified in its charter) New Jersey 0-671 22-0747730 (State or other jurisdiction (Commission (IRS Employer of Incorporation) File Number) Identification No.) 95 Route 17 South, Paramus, New Jersey 07653-0931 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (201) 291-2000 __________________________________________________________ (Former name or former address, if changed since last report) Item 5. Other Events. On January 26, 1999, the Registrant announced in a Press Release that the Registrant and North East Insurance Company ("North East") have reached a non-binding agreement in principle for the Registrant to acquire North East through a merger. The text of that Press Release is attached as Exhibit 20. Item 7. Financial Statements and Exhibits. (c) Exhibits Exhibit Number Description Pages Where Located 20 Press Release dated Pages 5 - 6 January 26 , 1999 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 hereunto duly authorized. MOTOR CLUB OF AMERICA By: /s/Stephen A. Gilbert Stephen A. Gilbert, President and Chief Executive Officer Date: January 27, 1999 MOTOR CLUB OF AMERICA EXHIBIT INDEX TO FORM 8-K CURRENT REPORT Exhibit Number Description Pages Where Located 20 Press Release dated Pages 5 -6 January 26 , 1999