Exhibit 99.1

                      Statement of Chief Executive Officer
         Pursuant to Section 1350 of Title 18 of the United States Code


     Pursuant to Section 1350 of Title 18 of the United States Code, the
undersigned, Donald H. Nikolaus, the President and Chief Executive Officer of
Donegal Group Inc. (the "Company"), hereby certifies that, to the best of his
knowledge:

1.   The Company's Form 10-Q Quarterly Report for the period ended June 30, 2002
     (the "Report") fully complies with the requirements of Section 13(a) of the
     Securities Exchange Act of 1934; and

2.   The information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.




Dated:  August 14, 2002
                                                ------------------------------
                                                Donald H. Nikolaus, President
                                                and Chief Executive Officer