SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                   FORM 8-K/A


                                 CURRENT REPORT


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


       Date of Report (Date of earliest event reported): November 12, 2003


                        American Physicians Capital, Inc.
             (Exact name of registrant as specified in its charter)


                                    Michigan
                 (State or other jurisdiction of incorporation)


        000-32057                                      38-3543910
(Commission File Number)                     (IRS Employer Identification No.)

             1301 North Hagadorn Road, East Lansing, Michigan 48823
              (Address of principal executive offices) (Zip Code)


       Registrant's telephone number, including area code: (517)351-1150

                                 Not Applicable
         (Former name or former address, if changed since last report)






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Item 12.  Results of Operations and Financial Condition.

         On November 12, 2003, American Physicians Capital, Inc. issued a press
release announcing its financial results for the three months and nine months
ended September 30, 2003 and certain other information. A copy of the press
release is furnished herewith as Exhibit 99.1.

         The information furnished in this Item 12 shall not be deemed "filed"
for purposes of Section 18 of the Securities Exchange Act of 1934, as amended,
or otherwise subject to the liabilities of that Section, nor shall such
information be deemed incorporated by reference in any filing under the
Securities Act of 1933, as amended.


                                   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.

November 13, 2003             AMERICAN PHYSICIANS CAPITAL, INC.


                                     /s/ William B. Cheeseman
                                     -------------------------------------------
                                     William B. Cheeseman, President and Chief
                                     Executive Officer

                                     /s/ Frank H. Freund
                                     -------------------------------------------
                                     Frank H. Freund, Executive Vice President,
                                     Treasurer, Chief Financial Officer and
                                     Principal Accounting Officer




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                                  EXHIBIT INDEX


Number                     Description

99.1              Press Release, dated November 12, 2003



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