UNITED STATES 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 Commission file No. 0-6764 reported) April 13, 2000 Mobile America Corporation -------------------------- (Exact name of registrant as specified in its charter) Florida 59-1218935 ------- ---------- (State or other jurisdiction of (I.R.S. Employer Identification No.) incorporation or organization) 10475 Fortune Parkway, Suite 103 Jacksonville, Florida 32256 -------------------------------- ----- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (904) 363-6339 Item 4. Changes in Registrant's Certifying Accountants - ------------------------------------------------------- The firm of Cherry, Bekaert & Holland, LLP was previously the principal accountants for Mobile America Corporation ("the Company"). On April 13, 2000, that firm's appointment as principal accountants was terminated and KPMG LLP was engaged as principal accountants. The decision to change accountants was approved by the Company's audit committee of the board of directors. The reports of Cherry, Bekaert & Holland, LLP on the Company's financial statements for the two fiscal years ended December 31, 1999 did not contain an adverse opinion or a disclaimer of opinion and were not qualified or modified as to uncertainty, audit scope or accounting principles. In connection with the audits of the two fiscal years ended December 31, 1999, and the subsequent interim period through April 13, 2000, there were no disagreements with Cherry, Bekaert & Holland, LLP on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or procedures, which disagreements if not resolved to their satisfaction would have caused them to make reference to the subject matter of the disagreement in connection with their reports. During its two fiscal years ended December 31, 1999, and the subsequent interim period through April 13, 2000, the Company did not consult with KPMG regarding (i) the application of accounting principles to a specified transaction or the type of audit opinion that might be rendered on the Company's financial statements or (ii) any matter that was either the subject of a disagreement or a reportable event. Item 7. Financial Statements and Exhibits - ------------------------------------------ (c) Exhibits 16.1 Letter from Cherry, Bekaert & Holland, LLP regarding its concurrence with the Registrant's statement regarding change of accountants. 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. Mobile America Corporation -------------------------- Registrant April 18, 2000 By: /S/ Mark P. Brockelman -------------------------------------- Mark P. Brockelman Vice President and Chief Financial Officer