UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                   FORM 12B-25

                           NOTIFICATION OF LATE FILING

(CHECK ONE):
[x]Form 10-KSB [ ]Form 20-F [ ]Form 11-K [ ]Form 10-QSB [ ]Form N-SAR  [ ] N-CSR

                       For Period Ended: December 31, 2004

                       [ ] Transition Report on Form 10-K
                       [ ] Transition Report on Form 20-F
                       [ ] Transition Report on Form 11-K
                       [ ] Transition Report on Form 10-Q
                       [ ] Transition Report on Form N-SAR

For the Transition Period Ended:
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  Read attached instruction sheet before preparing form. Please Print or Type.
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      Nothing in this form shall be construed to imply that the Commission
                 has verified any information contained herein.
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If the notification relates to a portion of the filing checked above, identify
the item(s) to which the notification relates:
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                                     PART I
                             REGISTRANT INFORMATION

Delta Mutual, Inc.
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Full Name of Registrant


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Former Name if Applicable


111 North Branch Street
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Address of Principal Executive Office (Street and Number)


Sellersville, PA 18960
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City, State and Zip Code





                                     PART II
                             RULES 12b-25(b) AND (c)

      If the subject report could not be filed without unreasonable effort or
expense and the registrant seeks relief pursuant to Rule 12b-25(b), the
following should be completed. (Check box if appropriate)


[X]         (a) The reasons described in reasonable detail in Part III of this
            form could not be eliminated without unreasonable effort or expense;

[X]         (b) The subject annual report, semi-annual report, transition report
            on Form 10-KSB, Form 20-F,11-K or Form N-SAR, or portion thereof,
            will be filed on or before the fifteenth calendar day following the
            prescribed due date; or the subject quarterly report or transition
            report on Form 10-QSB, or portion thereof will be filed on or before
            the fifth calendar day following the prescribed due date; and

            (c) The accountant's statement or other exhibit required by Rule
            12b-25(c) has been attached if applicable.





                                    PART III
                                    NARRATIVE

      State below in reasonable detail the reasons why Forms 10-KSB, 20-F, 11-K,
10-QSB, N-SAR, N-CSR or the transition report portion thereof, could not be
filed within the prescribed time period. (Attach extra sheets if needed)

      Management is in the process of finalizing the operating results of the
2004 fiscal year. The information could not be assembled and analyzed without
unreasonable effort and expense to the Registrant. The Form 10-KSB will be filed
as soon as practicable and within the 15 day extension period.


                                     PART IV
                                OTHER INFORMATION

      (1) Name and telephone number of person to contact in regard to this
notification

      Peter F. Russo                 (215)                258-2800
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          (Name)                   (Area Code)       (Telephone Number)

(2) Have all other periodic reports required under Section 13 or 15(d) of the
Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of
1940 during the preceding 12 months or for such shorter period that the
registrant was required to file such report(s) been filed? If answer is no,
identify report(s). [X] Yes [ ] No

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(3) Is it anticipated that any significant change in results of operations from
the corresponding period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?
[ ] Yes [X] No

      If so, attach an explanation of the anticipated change, both narratively
and quantitatively, and, if appropriate, state the reasons why a reasonable
estimate of the results cannot be made.


                               Delta Mutual, Inc.
                  (Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.

Date:   March 30, 2005                  By:  /s/ Peter F. Russo
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                                                 Peter F. Russo
                                                 President