EXHIBIT 16

April 27, 2000

Securities and Exchange Commission
Washington, D.C.  20549

Ladies and Gentlemen:

We were previously principal accountants for FPIC Insurance Group, Inc. and,
under the date of March 8, 2000, we reported on the consolidated financial
statements of FPIC Insurance Group, Inc. as of and for the years ended December
31, 1999 and 1998. On April 24, 2000 our appointment as principal accountants
was terminated. We have read FPIC Insurance Group, Inc.'s statements included
under Item 4 of its Form 8-K dated April 24, 2000, and we agree with such
statements.

Very truly yours,

/s/ KPMG LLP
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