United States
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    Form 8-K




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


Date of Report (Date of earliest event reported)   February 25, 2004
                                                   ------------------


Commission file number  1-11983
                        -------


                           FPIC Insurance Group, Inc.
             (Exact name of registrant as specified in its charter)



         Florida                                          59-3359111
- --------------------------------------------------------------------------------
(State or other jurisdiction of                (IRS Employer Identification No.)
 incorporation or organization)




225 Water Street, Suite 1400, Jacksonville, Florida               32202
- --------------------------------------------------------------------------------
      (Address of principal executive offices)                 (Zip Code)



                                 (904) 354-2482
                                 --------------
              (Registrant's telephone number, including area code)



                                  www.fpic.com
                                  ------------
                         (Registrant's Internet Address)






Item 7.  Financial Statements and Exhibits.
- ------------------------------------------

         (c)  Exhibits
              --------

              Exhibit Number            Description of Exhibits
              --------------            -----------------------

              99                        FPIC Insurance Group, Inc. Earnings
                                        Press Release dated February 25, 2004


Item 12.  Results of Operations and Financial Condition.
- -------------------------------------------------------

On February 25, 2004, FPIC Insurance Group, Inc. ("FPIC") issued an earnings
press release announcing selected financial data concerning FPIC's fourth
quarter and year 2003 unaudited consolidated results of operations and financial
condition presented in accordance with accounting principles generally accepted
in the United States of America (GAAP). A copy of FPIC's press release dated
February 25, 2004 is attached hereto as Exhibit 99 and is furnished as a part of
this Form 8-K.

Signature
- ---------

Pursuant to the requirements of Section 13 or 15(d) 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.


                                        FPIC INSURANCE GROUP, INC.



Date:  February 25, 2004                By:  /s/ John R. Byers
                                           -------------------------------------
                                             John R. Byers
                                             President and Chief Executive
                                             Officer




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                                  EXHIBIT INDEX


    Exhibit Number            Description of Exhibits
    --------------            -----------------------

    99                        FPIC Insurance Group, Inc. Earnings Press Release
                              dated February 25, 2004










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