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

FORM 10-Q

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2002

Commission File Number: 0-18649

THE NATIONAL SECURITY GROUP, INC.
(Exact name of registrant as specified in its charter)

Delaware 63-1020300
--------- ----------
(State or other jurisdiction of (IRS Employer
incorporation or organization) Identification No.)

661 East Davis Street, Elba, Alabama 36323
(Address and Zip code of principal executive offices)

Registrant's telephone number, including area code (334) 897-2273
--------------

Not Applicable
(Former name, address, and former fiscal year, if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
Yes (X) No ( )

Number of Shares of Common Stock outstanding as of May 8, 2002: 2,466,600

Exhibit index is located on page 16.

Page 1 of 16 pages

THE NATIONAL SECURITY GROUP, INC

INDEX

Page No.

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

Consolidated Statements of Income .............................. 3
Consolidated Balance Sheets .................................... 4
Consolidated Statements of Shareholders' Equity ................ 5
Consolidated Statements of Cash Flow ........................... 6
Notes to Financial Statements .................................. 7

Item 2. Management's Discussion and Analysis of Financial Condition
and Results of Operations .................................... 10

Item 3. Market Risk Disclosures ........................................ 13

PART II OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K ............................... 14

SIGNATURE ............................................................... 15

EXHIBIT INDEX ........................................................... 16

Part I. FINANCIAL INFORMATION

Item 1. Financial Statements
THE NATIONAL SECURITY GROUP, INC.

CONSOLIDATED UNAUDITED STATEMENTS OF INCOME
(In thousands, except per share amounts)

Three Months
Ended March 31
2002 2001
---- ----
Revenues
Net insurance premiums earned ............................ $7,243 $6,162
Net investment income .................................... 1,060 1,048
Realized investment gains ................................ 224 428
Other Income ............................................. 248 699
------ ------
Total revenues ......................................... 8,775 8,337
------ ------

Benefits and Expenses
Policyholder benefits and settlement expenses ............ 4,824 4,601
Policy acquisition costs ................................. 1,583 1,246
General insurance expenses ............................... 1,489 1,317
Insurance taxes, licenses and fees ....................... 343 410
------ ------
Total benefits and expense ............................. 8,239 7,574
------ ------
Income Before Taxes and Equity in Income of Affiliate .... 536 763
Income Taxes (Current and deferred) ...................... 219 212
------ ------
Income Before Equity in Income of Affiliate .............. $ 317 $ 551

Equity in Income of Affiliate ............................ $ 27 $ 0
------ ------
Net Income ............................................... $ 344 $ 551
====== ======
Earnings per share ....................................... $ 0.14 $ 0.23
====== ======
Dividends Declared per Share ............................. $ 0.20 $ 0.19
====== ======

The notes to Financial Statements are an integral part of these statements.

THE NATIONAL SECURITY GROUP, INC.
CONSOLIDATED BALANCE SHEETS
(In thousands, except per share amounts)

As of As of
March 31, December 31,
2002 2001
---- ----
(Unaudited)
Assets
Investments:
Debt Securities held-to-maturity at amortized cost
(estimated fair value: 2002 - $23,751; 2001 - $23,922) $23,139 $23,135
Debt Securities available-for-sale, at estimated fair value
(cost: 2002 - $35,775; 2001 - $34,701) 35,779 35,145
Equity Securities, at market
(cost: 2002 --$10,864; 2001 -- $11,274) 22,666 22,503
Receivable for securities sold 0 50
Note receivable from affiliate 1,000 250
Mortgage loans 272 275
Investment real estate, at cost 1,565 1,563
Policy loans 697 726
Investment in affiliate 80 53
------ ------
Total investments 85,198 83,700
------ ------
Cash and cash equivalents 2,339 3,391
Accrued investment income 1,036 938
Reinsurance recoverable 2,459 3,524
Deferred policy acquisition costs 5,003 4,615
Prepaid reinsurance premiums 201 291
Other assets 3,444 3,025
------ ------
Total assets $99,680 $99,484
======= =======

Liabilities
Policy liabilities-Life Insurance $22,775 $22,734
Policy liabilities-Property and Casualty Insurance 12,085 11,890
Unearned premiums 8,225 7,115
Other policyholder funds 1,498 1,503
Notes payable 3,573 2,108
Current income tax payable 202 593
Deferred income tax 3,167 3,083
Other liabilities 3,392 5,574
------ ------
Total liabilities $54,917 $54,600
------ ------
Shareholders' Equity
Common stock, $1 par value, 2,466,600 shares outstanding 2,467 2,467
Additional paid in capital 4,951 4,951
Accumulated comprehensive income:
Net unrealized appreciation on investment securities 8,646 8,618
Retained earnings 28,699 28,848
------ ------
Total shareholders' equity 44,763 44,884
------ ------

Total liabilities and shareholder's equity $99,680 $99,484
====== ======

Shareholders' Equity per Share $ 18.15 $18.20
====== ======

The Notes to Financial Statements are an integral part of these statements

THE NATIONAL SECURITY GROUP, INC.

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
(In thousands, except per share amounts)

Accumulated
Other
Retained Comprehensive Common Paid-in Treasury
Total Earnings Income Stock Capital Stock

Balance at December 31, 2000 $ 43,780 $ 35,225 $ 9,779 $ 2,340 $ 17 $ (3,581)

Comprehensive Income
Net Income for 2001 4,130 4,130
Other comprehensive income (net of tax)
Unrealized loss on securities, net of
reclassification adjustment (1,161) (1,161)
--------

Total Comprehensive Income 2,969
--------
Retirement of treasury stock ( 3,297) (284) 3,581

Stock dividend (20%) ( 5,345) 411 4,934

Cash dividends ( 1,865) ( 1,865)
------- ------- ------- ------ ----- ------

Balance at December 31, 2001 $ 44,884 $28,848 $ 8,618 $ 2,467 $4,951 $ 0

Comprehensive Income
Net Income three months ended 3/31/2002 344 344
Other comprehensive income (net of tax)
Unrealized loss on securities, net of
reclassification adjustment 28 28
------

Total Comprehensive Income 372
------

Cash dividends ( 493) ( 493)
------- ------- ------- ------ ------ ---------

Balance at March 31, 2002 (Unaudited) $ 44,763 $28,699 $ 8,646 $ 2,467 $4,951 $ 0
======== ======= ======== ======= ===== =========

The Notes to the Financial Statements are an integral part of these statements.

THE NATIONAL SECURITY GROUP. INC.

CONSOLIDATED UNAUDITED STATEMENTS OF CASH FLOWS
(In thousands)
Three Months

Ended March 31

2002 2001
- ----- ----
Cash Flows from Operating Activities
Income from continuing operations $ 344 $ 551
Adjustments to reconcile income from continuing
operations to net cash provided by (used in)
operating activities:
Accrued investment income (98) (53)
Reinsurance receivables 1,065 562
Deferred Policy acquisition costs (388) (144)
Income Taxes (307) (160)
Depreciation expense (40) (36)
Policy liabilities and claims 1,346 (158)
Other, net (2,468) (1,357)
------- -------
Net cash used in operating activities (546) (795)
------- -------
Cash Flows from Investing Activities
Cost of investments acquired (4,059) (4,483)
Sale and maturity of investments 2,589 4,071
Purchase of property and equipment (3) (68)
------- ------
Net cash used in investing activities (1,473) (480)
------- ------

Cash Flows from Financing Activities
Change in other policyholder funds (5) (46)
Change in notes payable 1,465 (66)
Dividends paid (493) (452)
------- ------
Net cash used in financing activities 967 (564)
------- ------

Net decrease in cash and cash equivalents (1,052) (1,839)

Cash and cash equivalents, beginning of period 3,391 2,629
------- -------
Cash and cash equivalents, end of period $ 2,339 $ 790
======= =======

The Notes to the Financial Statements are an integral part of these statements.

THE NATIONAL SECURITY GROUP, INC.

NOTES TO FINANCIAL STATEMENTS

NOTE 1-Basis of Presentation

The consolidated unaudited financial statements have been prepared in conformity
with generally accepted accounting principles. The interim financial statements
include all adjustments necessary, in the opinion of management, for fair
statement of financial position, results of operations and cash flows for the
periods reported. These adjustments are all normal recurring adjustments. A
summary of the more significant accounting policies are set forth in the notes
to the audited consolidated financial statements for the year ended December 31,
2001.

The accompanying consolidated unaudited financial statements include the
accounts of The National Security Group, Inc. (the Company) and its wholly owned
subsidiaries: National Security Insurance Company (NSIC), National Security Fire
and Casualty Company (NSFC) and Natsco, Inc. (Natsco). NSFC includes a wholly
owned subsidiary, Omega One Insurance Company.

The accompanying consolidated unaudited financial statements also include an
investment in affiliate, which consists of a fifty percent interest in The
Mobile Attic, Inc. The Mobile Attic, Inc. is a portable storage leasing company
which began operations in 2001. The Company accounts for this investment using
the equity method.

Note 2-Reinsurance

National Security Fire and Casualty Company ("NSFC"), Omega One Insurance
Company ("OMEGA"), and National Security Insurance Company ("NSIC") wholly owned
subsidiaries of the Company, reinsure certain portions of insurance risk, which
exceed various retention limits. NSFC, OMEGA, and NSIC are liable for these
amounts in the event assuming companies are unable to meet their obligations.

Note 3-Calculation of Earnings Per Share

Earnings per share were based on net income divided by the weighted average
common shares outstanding. The weighted average number of shares outstanding for
the period ending March 31, 2002 was 2,466,600 and for the period ending March
31, 2001 was 2,466,600.

Note 4-Changes in Shareholder's Equity (in thousands)

During the three months ended March 31, 2002 and 2001, there were no changes in
shareholders' equity except for net income of $344 and $551 respectively;
dividends paid of $493 and $452 respectively; and unrealized investment losses,
net of applicable taxes, of $29 and $(456) respectively.

THE NATIONAL SECURITY GROUP, INC.

NOTES TO FINANCIAL STATEMENTS
(Continued)

Note 5 - Deferred Taxes

The tax effect of significant temporary differences representing deferred tax
assets and liabilities are as follows:
(in thousands)
March 31, January 1,
2002 2002
------ -------
Deferred policy acquisition costs ...................... (1,674) (1,569)
Policy liabilities ..................................... 331 349
Unearned premiums ...................................... 546 464
Claims liabilities ..................................... 326 310
General insurance expenses ............................. 756 757
Alternative minimum tax credit carry forward ........... 45 0
Unrealized gains on securities available-for-sale ...... (3,497) (3,394)
------ ------
Net deferred tax liability ............................. (3,167) (3,083)
====== ======

Deferred taxes are determined based on the estimated future tax effects of
differences between the financial statement and tax bases of assets and
liabilities given the provisions of the enacted tax laws.

Note 6-Contingencies

The Company and its subsidiaries continue to be named as parties to litigation
related to the conduct of their insurance operations. These suits involve
alleged breaches of contracts, torts, including bad faith and fraud claims based
on alleged wrongful or fraudulent acts of agents of the Company's subsidiaries,
and miscellaneous other causes of action. Most of these lawsuits include claims
for punitive damages in addition to other specified relief.

In two separately filed actions, NSIC is named as a defendant in purported class
actions relating to the past sale of industrial burial insurance. The actions
address whether the premiums charged were "excessive" relative to the benefit
provided and whether the premiums charged were in any manner discriminatory
relative to the race of the person insured.In addition, several individual
actions on behalf of specifically named persons have been filed with similar
allegations. These actions are in the initial phases and little discovery has
been undertaken and no class has been certified. While the cases entail separate
and distinguishable facts, the legal issues are similar to the issues pending in
numerous other actions currently pending nationwide against numerous insurers.
While NSIC did at one time sell industrial burial insurance, no such plans have
been sold for several decades.

The company establishes and maintains reserves on contingent liabilities to the
extent losses are probable and amounts are estimable. In many instances,
however, it is not feasible to predict the ultimate outcome with any degree of
accuracy. While a resolution of these matters may significantly impact
consolidated earnings and the Company's consolidated financial position, it
remains management's opinion, based on information presently available, that the
ultimate resolution of these matters will not have a material impact on the
Company's consolidated financial position. However, it should be noted that
instances of class action lawsuits against insurance companies appear to be
increasing in several states in which insurance subsidiaries of the company
operate.

THE NATIONAL SECURITY GROUP, INC.

NOTES TO FINANCIAL STATEMENTS
(Continued)

Note 7-Long-Term Debt

In the first quarter of 2002 the Company refinanced long term debt totaling $2.1
million dollars. In conjunction with the refinancing of existing long term debt
the Company borrowed an additional $1.5 million. The primary use of the proceeds
from the additional borrowing will be to upgrade information systems, the most
significant of which involves the installation of a new policy administration
system in the life insurance subsidiary.

The refinancing and additional borrowing consists of a note payable to a local
bank with a variable interest rate of LIBOR plus 275 basis points (currently
4.65%). The interest rate is adjusted quarterly. Repayment of the note is to be
made in quarterly installments of $112,953.40 with a final payment of
$2,114,610.46 due March 28, 2007.

Note 8-Subsequent Events

In April of 2002 the Company agreed to guarantee a $5,000,000 credit line of its
50% owned subsidiary, The Mobile Attic, Inc. The Mobile Attic will use the
proceeds from this borrowing to acquire portable storage units which are leased
to building contractors, retail establishments, and individual consumers through
a network of independently operated dealerships currently located in Alabama and
Florida. With the additional borrowing the Mobile Attic will be able to further
expand operations by granting additional independently operated dealerships
throughout the Southeastern United States.

Under the terms of the guarantee agreement, The Company will receive
compensation from Mobile Attic of 150 basis points on the average outstanding
monthly balance of the credit line. Mobile Attic will pay interest to the lender
quarterly and convert the credit line to a term note at the end of the two year
draw down period.

Item 2.
MANAGEMENTS' DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS

INTRODUCTION

The following discussion addresses the financial condition of The National
Security Group, Inc. as of March 31, 2002, compared with December 31, 2001 and
its results of operations and cash flows for the quarter ending March 31, 2002,
compared with the same period last year.

The reader is assumed to have access to the Company's 2001 Annual Report. This
discussion should be read in conjunction with the Annual Report and with
consolidated financial statements on pages 3 through 6 of this form 10-Q.

Information is presented in whole dollars.

CONSOLIDATED RESULTS OF OPERATIONS

Premium revenues:

Premium revenue in the life insurance subsidiary, National Security Insurance
Company (NSIC), accounts for 19% of total premium income of the Company. Premium
revenue in NSIC consists of traditional life insurance products and supplemental
accident and health products. Life insurance premium income in the first quarter
of 2002 totaled $1,112,000 compared to $1,048,000 for the same period last year,
an increase of 6.1%. Supplemental accident and health insurance premium income
in the first quarter of 2002 totaled $274,000 compared to $211,000 for the same
period last year, an increase of 30%. Increased emphasis on sales to employer
groups, coupled with continued growth in sales through independent agents are
the primary reasons for increased sale of life, accident and health insurance
products.

First quarter premium revenue in the property/casualty insurance subsidiaries,
National Security Fire & Casualty Company (NSFC) and Omega One Insurance Company
(Omega), is up $1,080,000, an increase of 19.5% compared to the first quarter of
2001. The increase in premium revenue, in dollar amount and percentage, in the
first quarter of 2002 compared to the same period last year is illustrated in
the following table:

Line of Business $ increase over 2001 % increase over 2001
Dwelling fire ...................... $ 298,000 12.8%
Homeowners ......................... $ 258,000 57.3%
Mobile homeowners .................. $ 179,000 690.0%
Private passenger auto ............. $ 372,000 39.3%
All other lines .................... $ (27,000) (3.0%)
----------- -----
Total ............................ $ 1,080,000 19.5%

Primary factors contributing to the increase in premium revenue include updating
of product line, increased marketing efforts, acquisition of new lines of
business, and increases in market share due to competitors discontinuing writing
competing products in certain geographic areas. During 2001 NSFC hired two full
time marketing representatives to cover the states of South Carolina, Georgia,
Alabama, Tennessee, and Mississippi. The increased emphasis on marketing company
products to independent agents, coupled with some insurance carriers leaving
markets that the Company already had a presence contributed significantly to the
increase in dwelling lines of business. Also, the launch of a new mobile
homeowners product in 2001 has began to contribute to premium growth. Growth in
the private passenger auto line of business is primarily attributable to the
acquisition of a monthly bill auto program obtained in the acquisition of
Liberty Southern Insurance Company in June of 2000. This program is growing in
Alabama and has now been launched in Mississippi.

Net investment income:

Net investment income is virtually unchanged compared to last year.

Realized capital gains and losses:

Realized capital gains are generated primarily by the sale of common stock
investments from the insurance subsidiaries investment portfolio. The Company's
investment committee will sell positions in the portfolio when market conditions
warrant, producing realized capital gains and/or losses. This periodic selling
of securities can produce significant fluctuations in realized capital gains
from period to period. Realized capital gains are down $204,000 compared to the
first quarter of last year.

Other income:

Other income is down $451,000 compared to last year. Other income last year
included a one-time gain on a recovery from a third party of $580,000 in
connection with a previously settled lawsuit in an insurance subsidiary.

Policyholder benefits and settlement expenses:

Policyholder benefits and settlement expenses increased $223,000, but as a
percent of earned premium decreased significantly compared to last year, 66.6%
versus 74.7%. The property/casualty subsidiaries incurred numerous tornado and
windstorm related losses in the first quarter of 2001. Insured losses from a
single storm on February 16, 2001 totaled over $400,000. While the
property/casualty subsidiaries did not incur any significant storm related
losses in the first quarter of 2002, numerous fire losses in the first quarter
adversely affected the first quarter loss ratio.

Policy acquisition costs:

Policy acquisition costs are up $337,000 compared to last year, and increase of
27%. An increase in sales of both life and property/casualty insurance, which
produced an increase in agents commission expense, contributed to the increase.
The most significant factor contributing to the increase was an increase in
property/casualty subsidiary direct written premium of 37%.

General insurance expenses:

General insurance expenses are up $172,000. Increased litigation costs and
increased accruals for insurance guarantee association assessments are the
primary factors contributing to the increase in general expenses.

Insurance taxes, licenses, and fees:

Insurance taxes, licenses and fees are down even though premium production is up
compared to last year. The first quarter of last year included costs associated
with a routine insurance department examination.

Equity in income of Affiliate:

Equity in the income of a 50% owned affiliate, The Mobile Attic, Inc.,
contributed $27,000 to net income for the quarter. The Mobile Attic, Inc. began
operations in the fourth quarter of 2001. The Mobile Attic is in the business of
leasing portable storage units to construction companies, retail establishments,
and household customers.

Summary:

The Company has a year to date net income of $344,000 versus net income of
$551,000 2001. A decrease in realized capital gains and other income are the
primary factors contributing to the decrease in net income for the quarter.

Investments:

Investments at March 31, 2002 were up $1.5 million compared to December 31,
2001. Increased cash available for investment from new premium production was
the primary reason for the increase in investments.

The Company considers any fixed income investment with a Standard & Poor's
rating of BB+ or lower to be below investment grade (Commonly referred to as
"Junk Bonds"). At March 31, 2002 less than 1% of the Company's investment
portfolio was invested in fixed income investments rated below investment grade.
The Company currently has no bonds in the investment portfolio in default.

The Company monitors its level of investments in debt and equity securities held
in issuers of below investment grade debt securities. Management believes the
level of such investments is not significant to the Company's financial
condition.

Income taxes:

The effective tax rate in the first three months of 2002 was 40.9% compared to
27.8% for the first three months of 2001. A substantial increase in property and
casualty unearned premiums of which 20% is taxable according to IRS regulations
and a decrease in deferred tax assets are the primary reasons for the increase
in the effective tax rate for the first quarter of 2002.

Liquidity and capital resources:

At March 31, 2002, the Company had aggregate equity capital, unrealized
investment gains (net of income taxes) and retained earnings of $44.7 million,
down $122,000 compared to December 31, 2001. The decrease reflects net income of
$344,000, an increase in accumulated unrealized investment gains of $28,000, and
dividends paid of $493,000.

The Company has $3.5 million in notes from local banks which management intends
to repay in full over the next five years.

The Company had $2,339,000 in cash and cash equivalents at March 31, 2002. Net
cash used in operating activities was $546,000 for the current period, compared
to net cash used of $795,000 for the period ended March 31, 2001. Cash used in
investing activities was $1,473,000. Cash dividends paid to stockholders' of
$493,000 and increase in notes payable of $1,465,000 were the primary changes in
cash used in financing activities.

The liquidity requirements of the Company are primarily met by funds provided
from operations of the life insurance and property/casualty subsidiaries. The
Company receives funds from its subsidiaries consisting of dividends, payments
for federal income taxes, and reimbursement of expenses incurred at the
corporate level for the subsidiaries. These funds are used to pay stockholder
dividends, corporate interest, corporate administrative expenses, federal income
taxes, and for funding investments in subsidiaries.

The Company's subsidiaries require cash in order to fund policy acquisition
costs, claims, other policy benefits, interest expense, general expenses, and
dividends to the Company. Premium and investment income, as well as maturities,
calls, and sales of invested assets, provide the primary sources of cash for
both subsidiaries. A significant portion of the Company's investment portfolio
consists of readily marketable securities which can be sold for cash.

The Company's business is concentrated primarily in the Southeastern United
States. Accordingly, unusually severe storms or other disasters in the
Southeastern United States might have a more significant effect on the Company
than on a more geographically diversified insurance company. Unusually severe
storms, other natural disasters and other events could have an adverse impact on
the Company's financial condition and operating results. However, the Company
maintains a catastrophe reinsurance program to limit the effect on such
catastrophic events on the Company's financial condition.

Information about Forward-Looking Statements

Any statement contained in this report which is not a historical fact, or which
might otherwise be considered an opinion or projection concerning the Company or
its business, whether expressed or implied, is meant as and should be considered
a forward-looking statement as that term is defined in the Private Securities
Litigation Reform Act of 1995. Forward-looking statements are based on
assumptions and opinions concerning a variety of known and unknown risks,
including but not limited to changes in market conditions, natural disasters and
other catastrophic events, increased competition, changes in availability and
cost of reinsurance, changes in governmental regulations, technological changes,
political and legal contingencies and general economic conditions, as well as
other risks and uncertainties more completely described in the Company's filings
with the Securities and Exchange Commission. If any of these assumptions or
opinions prove incorrect, any forward-looking statements made on the basis of
such assumptions or opinions may also prove materially incorrect in one or more
respects and may cause future results to differ materially from those
contemplated, projected, estimated or budgeted in such forward-looking
statements.

Item 3. Market Risk Disclosures

The Company's primary objectives in managing its investment portfolio are to
maximize investment income and total investment returns while minimizing overall
credit risk. Investment strategies are developed based on many factors including
changes in interest rates, overall market conditions, underwriting results,
regulatory requirements, and tax position. Investment decisions are made by
management and reviewed and approved by the Board of Directors. Market risk
represents the potential for loss due to adverse changes in fair value of
securities. The three potential risks related to the Company's fixed maturity
portfolio are interest rate risk, prepayment risk, and default risk. The primary
risk related to the Company's equity portfolio is equity price risk. There have
been no material changes to the Company's market risk for the three months ended
March 31, 2002. For further information reference is made to the Company's Form
10-K for the year ended December 31, 2001.

Part II. OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K

See Exhibit Index

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed by the undersigned duly
authorized officer, on its behalf and in the capacity indicated.

The National Security Group, Inc.

By /s/ Brian R. McLeod
----------------------------------------------------------------------
Brian R. McLeod, Treasurer
(Principal Financial and Accounting Officer)

Dated: May 15, 2002

EXHIBIT INDEX

Exhibit Description Page

(a)11 Statement Regarding Computation of Per Share Earnings Filed Herewith;
See Note 3 to
Financial

(b) Form 8-K
None.