UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                    Form 10-Q

(Mark One)

     ( X ) QUARTERLY  REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE  SECURITIES
EXCHANGE ACT OF 1934

     For the quarterly period ended: June 30, 2005
                                    ----------------------------------------

     ( )  TRANSITION  REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE  SECURITIES
EXCHANGE ACT OF 1934

     For the transition period from: to


     Commission file number: 0-13265


     UCI MEDICAL AFFILIATES, INC.
---------------------------
     (Exact name of Registrant as specified in its charter)

     Delaware  59-2225346  (State or other  jurisdiction of  incorporation  (IRS
Employer Identification No.)
          or organization)

     4416 Forest  Drive,  Columbia,  SC 29206  (Address of  principal  executive
offices)

     (803) 782-4278 (Registrant's telephone number including area code)


Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding twelve months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. ( X )Yes ( ) No

Indicate by checkmark whether the registrant is an accelerated filer (as defined
in Rule 12b-2 of the Exchange Act).
(  )  Yes   ( X )  No

                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                   PROCEEDINGS DURING THE PRECEDING FIVE YEARS

     Indicate  by  checkmark  whether the  registrant  filed all  documents  and
reports  required  to be filed by Section 12, 13, or 15(d) of the  Exchange  Act
after the distribution of securities under a plan confirmed by a court. ( X )Yes
( ) No

                      APPLICABLE ONLY TO CORPORATE ISSUERS

The number of shares outstanding of the registrant's common stock, $.05 par
value, was 9,740,472 at June 30, 2005.


<PAGE>


                          UCI MEDICAL AFFILIATES, INC.

                                      INDEX

<TABLE>
<S>              <C>                                                                           <C>

                                                                                                   Page
                                                                                                 Number

PART I            FINANCIAL INFORMATION

                  Item 1   Financial Statements

                           Condensed Consolidated Balance Sheets -
                            June 30, 2005 and September 30, 2004                                         3

                           Condensed Consolidated Statements of Operations for the
                           three and nine months ended June 30, 2005 and June 30, 2004                  4

                           Condensed Consolidated Statements of Cash Flows
                           for the nine months ended June 30, 2005 and June 30, 2004                          5

                           Notes to Condensed Consolidated Financial Statements                      6-8

                  Item 2   Management's Discussion and Analysis of Financial
                           Condition and Results of Operations                            9-12

                  Item 3   Quantitative and Qualitative Disclosures about Market Risk                 13

                  Item 4   Controls and Procedures                                               14-15

PART II           OTHER INFORMATION

                  Items 1-6                                                                                16


SIGNATURES                                                                                                 17
</TABLE>


<PAGE>









                                          UCI MEDICAL AFFILIATES, INC.
                                      CONDENSED CONSOLIDATED BALANCE SHEETS

<TABLE>
<S>                                                                  <C>                   <C>

                                                                       June 30, 2005           September 30, 2004
                                                                     ----------------      -----------------------
                                                                         (unaudited)
Assets
Current assets
   Cash and cash equivalents                                             $ 1,022,621                   $  533,533
   Accounts receivable, less allowance for doubtful accounts
       of $2,781,918 and $2,368,464                                        8,034,683                    7,382,619
   Inventory                                                                 618,446                      618,446
   Deferred taxes                                                            769,954                      500,000
   Prepaid expenses and other current assets                                 379,286                      266,788
                                                                     ----------------      -----------------------
Total current assets                                                      10,824,990                    9,301,386
Property and equipment, less accumulated depreciation of
   $11,062,601 and $10,307,556                                             5,768,687                    4,845,296
Deferred taxes                                                             2,869,608                            0
Excess of cost over fair value of assets acquired, less
   accumulated amortization of $2,451,814                                  3,391,942                    3,391,942
Other assets                                                                  14,278                       10,322
                                                                     ----------------      -----------------------
Total assets                                                             $22,869,505                  $17,548,946
                                                                     ================      =======================

Liabilities and Stockholders' Equity
Current liabilities
   Current portion of long-term debt                                     $ 1,393,255                    $ 972,108
   Accounts payable                                                        1,310,770                    1,669,565
   Accrued salaries and payroll taxes                                      2,157,740                    1,926,095
   Current portion of pre-petition payroll taxes                                   0                      595,744
   Other accrued liabilities                                                 809,428                      909,909
                                                                                           -----------------------
                                                                     ----------------
Total current liabilities                                                  5,671,193                    6,073,421

Long-term liabilities
    Accounts payable                                                         637,557                    1,193,935
    Long-term portion of pre-petition payroll taxes                                0                    1,970,102
    Long-term debt, net of current portion                                 3,714,731                    2,531,789
                                                                     ----------------      -----------------------
                                                                     ----------------      -----------------------
Total long-term liabilities                                                4,352,288                    5,695,826
                                                                     ----------------      -----------------------
                                                                     ----------------      -----------------------
Total liabilities                                                         10,023,481                   11,769,247
                                                                     ----------------      -----------------------

Commitments and contingencies

Stockholders' equity
   Preferred stock, par value $.01 per share:
      Authorized shares - 10,000,000; none issued
   Common stock, par value $.05 per share:
      Authorized shares - 50,000,000
      Issued and outstanding - 9,740,472 shares                              487,024                      487,024
   Paid-in capital                                                        21,719,130                   21,719,130
   Accumulated deficit                                                   (9,360,130)                 (16,426,455)
                                                                     ----------------      -----------------------
Total stockholders' equity                                                12,846,024                    5,779,699
                                                                     ----------------      -----------------------
Total liabilities and stockholders' equity                               $22,869,505                  $17,548,946
                                                                     ================      =======================
</TABLE>

                   The accompanying notes are an integral part of these
condensed consolidated financial statements.


<PAGE>


                          UCI Medical Affiliates, Inc.
                 Condensed Consolidated Statements of Operations
                                   (unaudited)

<TABLE>
<S>                                                <C>                  <C>                <C>                 <C>

                                                       Three Months Ended June 30,             Nine Months Ended June 30,
                                                   ------------------------------------     ----------------------------------
                                                         2005                2004                2005               2004
                                                   -----------------    ---------------     ---------------    ---------------

Revenues                                                $13,999,708        $11,317,569         $41,855,652        $35,577,798
Operating costs                                          10,327,951          8,869,179          31,061,048         27,252,391
                                                   -----------------    ---------------     ---------------    ---------------
Operating margin                                          3,671,757          2,448,390          10,794,604          8,325,407

General and administrative expenses                       2,165,537          1,769,126           5,604,864          4,800,908
Depreciation and amortization                               253,559            244,770             755,045            762,667
                                                   -----------------    ---------------     ---------------    ---------------
Income from operations                                    1,252,661            434,494           4,434,695          2,761,832

Other expense
   Interest expense, net of interest income               (140,270)          (183,503)           (431,040)          (531,369)
                                                   -----------------    ---------------     ---------------    ---------------
                                                   -----------------    ---------------     ---------------    ---------------

Income before income taxes                                1,112,391            250,991           4,003,655          2,230,463

Income tax benefit (provision)                            (450,000)           (14,800)           3,062,670            428,000
                                                   -----------------    ---------------     ---------------    ---------------
                                                   -----------------    ---------------     ---------------    ---------------

Net income                                                $ 662,391          $ 236,191          $7,066,325        $ 2,658,463
                                                                        ===============     ===============    ===============
                                                   =================

Basic earnings per share                                   $    .07           $    .02            $    .73           $    .27
                                                   =================    ===============     ===============    ===============

Basic weighted average common shares
   outstanding                                            9,740,472          9,740,472           9,740,472          9,740,472
                                                   =================    ===============     ===============    ===============
                                                   =================    ===============     ===============    ===============

Diluted earnings per share                                  $   .07           $    .02            $    .72           $    .27
                                                   =================    ===============     ===============    ===============
                                                   =================    ===============     ===============    ===============

Diluted weighted average common shares
   outstanding                                            9,923,122          9,890,122           9,801,355          9,890,122
                                                   =================    ===============     ===============    ===============

</TABLE>

                   The accompanying notes are an integral part of these
condensed consolidated financial statements.



<PAGE>


                          UCI Medical Affiliates, Inc.
                 Condensed Consolidated Statements of Cash Flows
                                   (unaudited)

<TABLE>
<S>                                                                  <C>               <C>

                                                                         Nine Months Ended June 30,
                                                                     ------------------------------------
                                                                         2005                2004
                                                                     --------------    ------------------
Operating activities:
Net income                                                              $7,066,325           $ 2,658,463
Adjustments to reconcile net income to net
   cash provided by operating activities:
      Provision for losses on accounts receivable                        2,221,245             1,732,844
      Depreciation and amortization                                        755,045               762,667
      Deferred taxes                                                   (3,139,562)             (500,000)
Changes in operating assets and liabilities:
   Increase in accounts receivable                                     (2,873,309)           (2,462,230)
   Increase in prepaid expenses and other current assets                 (112,498)              (75,796)
   (Decrease) increase in accounts payable and accrued                   (823,375)               453,867
liabilities
                                                                                       ------------------
                                                                     --------------

Cash provided by operating activities                                    3,093,871             2,569,815
                                                                     --------------    ------------------

Investing activities:
Purchases of property and equipment                                    (1,678,436)           (1,481,735)
Increase in other assets                                                   (3,956)                     0
                                                                     --------------    ------------------

Cash used in investing activities                                      (1,682,392)           (1,481,735)
                                                                     --------------    ------------------

Financing activities:
Borrowings on term note agreement                                        4,300,000             2,750,000
Payments on long-term debt                                             (5,222,391)           (4,282,981)
                                                                     --------------    ------------------

Cash used in financing activities                                        (922,391)           (1,532,981)
                                                                     --------------    ------------------

Increase (decrease) in cash and cash equivalents                           489,088             (444,901)
Cash and cash equivalents at beginning of period                           533,533               683,135
                                                                     --------------    ------------------
                                                                     --------------

Cash and cash equivalents at end of period                              $1,022,621            $  238,234
                                                                     ==============    ==================

</TABLE>

The accompanying notes are an integral part of these condensed consolidated
financial statements.


<PAGE>


                          UCI MEDICAL AFFILIATES, INC.

              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                   (unaudited)


NOTE 1.  BUSINESS AND BASIS OF PRESENTATION

The accompanying unaudited condensed consolidated financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-Q and Article 10 of
Regulation S-X of the Securities and Exchange Commission. Accordingly, they do
not include all of the information and footnotes required by generally accepted
accounting principles for complete financial statements. In the opinion of
management, all adjustments (consisting only of those of a normal recurring
nature) considered necessary for a fair presentation have been included.
Operating results for the three-month and nine-month periods ended June 30, 2005
are not necessarily indicative of the results that may be expected for the
fiscal year ending September 30, 2005. For further information, refer to the
audited consolidated financial statements and footnotes thereto included in the
Company's annual report on Form 10-K for the year ended September 30, 2004.

The consolidated financial statements include the accounts of UCI Medical
Affiliates, Inc. ("UCI"), UCI Medical Affiliates of South Carolina, Inc.
("UCI-SC"), Doctors Care, P.A., Progressive Physical Therapy, P.A. ("PPT"),
Carolina Orthopedic & Sports Medicine, P.A. ("COSM"), and Doctors Care of
Tennessee, P.C. (the four together as the "P.A." and together with UCI and
UCI-SC, the "Company"). Because of the corporate practice of medicine laws in
the states in which the Company operates, the Company does not own medical
practices but instead enters into exclusive long-term management services
agreements with the P.A. that operates the medical practices. Consolidation of
the financial statements is required under Financial Accounting Standards Board
(FASB) Interpretation No. 46, as revised, ("FIN 46") "Consolidation of Variable
Interest Entities." Prior to the Company's adoption of FIN 46 on October 1,
2003, the Company consolidated the P.A. as a result of Emerging Issues Task
Force ("EITF") No. 97-2, "Application of FASB Statement No. 94 and APB Opinion
No. 16 to Physician Practice Management Entities and Certain Other Entities with
Contractual Management Arrangements." UCI-SC, in its sole discretion, can effect
a change in the nominee shareholder of each of the P.A. at any time for a
payment of $100 from the new nominee shareholder to the old nominee shareholder,
with no limits placed on the identity of any new nominee shareholder and no
adverse impact resulting to any of UCI-SC or the P.A. from such change.

In addition to the nominee shareholder arrangement described above, UCI-SC has
entered into an Administrative Service Agreement with each of the P.A. As a
consequence of the nominee shareholder arrangement and the Administrative
Service Agreement, the Company has a long-term financial interest in the
affiliated practices of each P.A. and the Company has exclusive authority over
decision-making relating to all major on-going operations. The Company
establishes annual operating and capital budgets for the P.A. and compensation
guidelines for the licensed medical professionals. The Administrative Service
Agreements have an initial term of forty years. According to FASB Statement No.
94 (Consolidation of All Majority-Owned Subsidiaries), Statement No. 141
(Business Combinations), and Interpretation No. 46 (Consolidation of Variable
Interest Entities), the Company must consolidate the results of the affiliated
practices with those of the Company. All significant intercompany accounts and
transactions are eliminated in consolidation, including management fees.

On May 27, 2005, UCI-SC entered into an Administrative Service Agreement with
Progressive Physical Therapy, P.A., a South Carolina professional corporation
("PPT"). A copy of such Administrative Service Agreement was filed as Exhibit
10.32 to the Form 8-K filed with the Securities and Exchange Commission on May
31, 2005. Pursuant to such agreement, PPT will serve as the operating entity for
the physical therapy services managed and administered by UCI-SC.

On May 27, 2005, UCI-SC entered into an Administrative Service Agreement with
Carolina Orthopedic & Sports Medicine, P.A., a South Carolina professional
corporation ("COSM"). A copy of such Administrative Service Agreement was filed
as Exhibit 10.34 to the Form 8-K filed with the Securities and Exchange
Commission on May 31, 2005. Pursuant to such agreement, COSM will serve as the
operating entity for the orthopedic and sports medicine services managed and
administered by UCI-SC.

The method of computing the management fees is based on billings of the
affiliated practices less the amounts necessary to pay professional compensation
and other professional expenses. In all cases, these fees are meant to
compensate the Company for expenses incurred in providing covered services plus
a profit. These interests are unilaterally salable and transferable by the
Company and fluctuate based upon the actual performance of the operations of the
professional corporation.

The preparation of financial statements in conformity with generally accepted
accounting principles requires management to make certain estimates and
assumptions that affect the reported amounts of assets and liabilities and
disclosures of contingent assets and liabilities at the date of the financial
statements and the reported amounts of revenue and expenses during the reporting
period. The most significant estimates are related to the allowance for doubtful
accounts, goodwill and intangible assets, income taxes, contingencies, and
health insurance accruals.

The Company bases its estimates on historical experience and on various other
assumptions that are believed to be reasonable under the circumstances, the
results of which form the basis for making judgments about the carrying value of
assets and liabilities that are not readily apparent from other sources. Actual
results may differ from these estimates in the near term.

Revenue is recognized at estimated net amounts to be received from patients,
employers, third party payors, and others at the time the related services are
rendered. The Company records contractual adjustments at the time bills are
generated for services rendered as some third parties are billed at discounted
and negotiated amounts. Whenever the Company bills at the discounted amounts,
estimates of third party settlements are not necessary.

The Company adopted FASB Statement No. 131, "Disclosure about Segments of an
Enterprise and Related Information," in fiscal year 1999. Statement No. 131
requires companies to report financial and descriptive information about their
reportable operating segments, including segment profit or loss, certain
specific revenue and expense items, and segment assets, as well as information
about the revenues derived from the Company's products and services, the
countries in which the Company earns revenues and holds assets, and major
customers. This statement also requires companies that have a single reportable
segment to disclose information about products and services, information about
geographic areas, and information about major customers. This statement requires
the use of the management approach to determine the information to be reported.
The management approach is based on the way management organizes the enterprise
to assess performance and make operating decisions regarding the allocation of
resources. It is management's opinion that, at this time, the Company has
several operating segments, however, only one reportable segment. The following
discussion sets forth the required disclosures regarding single segment
information.

The Company provides nonmedical management and administrative services for a
network of 45 freestanding medical centers, 44 of which are located throughout
South Carolina and one is located in Knoxville, Tennessee (30 operating as
Doctors Care in South Carolina, one as Doctors Care in Knoxville, Tennessee, and
14 as Progressive Physical Therapy Services in South Carolina).


NOTE 2.  MEDICAL SUPPLIES AND DRUG INVENTORY

The inventory consists of medical supplies and drugs and both are carried at the
lower of average cost or market. The volume of supplies carried at a center
varies very little from month to month and management, therefore, does only an
annual physical inventory count and does not maintain a perpetual inventory
system.

NOTE 3.  INCOME TAXES

Deferred tax assets and liabilities are recorded based on the difference between
the financial statement and tax bases of assets and liabilities as measured by
the enacted tax rates which are anticipated to be in effect when these
differences reverse. The deferred tax provision is the result of the net change
in the deferred tax assets to amounts expected to be realized. Valuation
allowances are provided against deferred tax assets when the Company determines
it is more likely than not that the deferred tax asset will not be realized.
During the quarter ended December 31, 2004, our management determined that it
was more likely than not that the recorded deferred tax asset was becoming more
realizable. Therefore, we recorded an adjustment of approximately $4,500,000
based upon our current financial position and results from operations, and our
forecast of the next twelve months. During the third quarter ending June 30,
2005, the Company recorded income tax expense of approximately $450,000.



<PAGE>


NOTE 4.  INTANGIBLES

     In June 2001,  the FASB  issued  Statement  No.  142,  "Goodwill  and Other
Intangible  Assets".  Statement No. 142 requires  that  goodwill and  intangible
assets with  indefinite  lives will no longer be amortized,  but are reviewed at
least annually for impairment. Pursuant to Statement No. 142, the Company tested
goodwill for impairment in the fourth quarter of 2004, and determined  there had
not been any impairment.

NOTE 5.  EARNINGS PER SHARE

Net income per share is computed in accordance with Statement of Financial
Accounting Standards ("SFAS") No. 128, "Earnings Per Share". Basic earnings per
share are calculated by dividing income available to common shareholders by the
weighted-average number of shares outstanding for each period. Diluted earnings
per common share are calculated by adjusting the weighted-average shares
outstanding assuming conversion of all potentially dilutive stock options.

NOTE 6.  NEW ACCOUNTING PRONOUNCEMENTS

In December 2004, FASB issued revised SFAS No. 123R, (Share-Based Payment). This
statement amends SFAS No. 123, "Accounting for Stock-Based Compensation". The
statement eliminates the alternative to use APB Opinion No. 25, "Accounting for
Stock Issued to Employees", that was provided in SFAS 123 as previously issued.
SFAS 123R requires entities to recognize the cost of employee services received
in exchange for awards of equity instruments based on the grant-date fair value
of those awards. The statement is effective as of the beginning of the first
interim or annual reporting period that begins after December 31, 2005 and
encourages early adoption.


NOTE 7.  CHAPTER 11 BANKRUPTCY FILING

On November 2, 2001, the Company filed a voluntary petition for reorganization
under Chapter 11 of the United States Bankruptcy Code in the United States
Bankruptcy Court for the District of South Carolina (the "Bankruptcy Court"). By
August 8, 2002, the Bankruptcy Court confirmed each of the Company's Plans of
Reorganization (the "Plans"), as amended, and the Company has, therefore,
emerged from Chapter 11 protection of the Court.



<PAGE>


               Advisory Note Regarding Forward-Looking Statements


Certain of the statements contained in this Report on Form 10-Q that are not
historical facts are forward-looking statements subject to the safe harbor
created by the Private Securities Litigation Reform Act of 1995. We caution
readers of this Form 10-Q that such forward-looking statements involve known and
unknown risks, uncertainties and other factors that may cause our actual
results, performance or achievements to be materially different from those
expressed or implied by such forward-looking statements. Although our management
believes that their expectations of future performance are based on reasonable
assumptions within the bounds of their knowledge of their business and
operations, we have no assurance that actual results will not differ materially
from their expectations. Factors that could cause actual results to differ from
expectations include, among other things, (1) the difficulty in controlling our
costs of providing healthcare and administering our network of centers; (2) the
possible negative effects from changes in reimbursement and capitation payment
levels and payment practices by insurance companies, healthcare plans,
government payors and other payment sources; (3) the difficulty of attracting
primary care physicians; (4) the increasing competition for patients among
healthcare providers; (5) possible government regulations negatively impacting
our existing organizational structure; (6) the possible negative effects of
prospective healthcare reform; (7) the challenges and uncertainties in the
implementation of our expansion and development strategy; (8) the dependence on
key personnel; (9) adverse conditions in the stock market, the public debt
market, and other capital markets (including changes in interest rate
conditions); (10) the strength of the United States economy in general and the
strength of the local economies in which we conduct operations may be different
than expected resulting in, among other things, a reduced demand for practice
management services; (11) the demand for our products and services; (12)
technological changes; (13) the ability to increase market share; (14) the
adequacy of expense projections and estimates of impairment loss; (15) the
impact of change in accounting policies by the Securities and Exchange
Commission; (16) unanticipated regulatory or judicial proceedings; (17) the
impact on our business, as well as on the risks set forth above, of various
domestic or international military or terrorist activities or conflicts; (18)
other factors described in this report and in our other reports filed with the
Securities and Exchange Commission; and (19) our success at managing the risks
involved in the foregoing.


                                     PART I
                              FINANCIAL INFORMATION
                                     ITEM 2


     MANAGEMENT'S  DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS

The following discussion and analysis provides information that we believe is
relevant to an assessment and understanding of our consolidated results of
operations and financial condition. This discussion should be read in
conjunction with the consolidated financial statements and notes thereto.

Critical Accounting Policies

We have adopted accounting policies that we believe will result in an accurate
presentation of the financial statements. We consider critical accounting
policies to be those that require more significant judgments and estimates in
the preparation of our financial statements and include the following: (1)
revenue recognition; (2) allowance for doubtful accounts; (3) consideration of
impairment of intangible assets; and (4) valuation reserve on net deferred tax
assets.

Revenue recognition -

We record revenues at the estimated net amount that we expect to receive from
patients, employers, third party payors, and others at the time we perform the
services. We record contractual adjustments when we prepare the related bills to
our customers as we bill some third parties at discounted and negotiated
amounts. Whenever we bill at the discounted amounts, we do not need to estimate
third party settlements.



<PAGE>


Allowance for doubtful accounts -

We maintain our allowance for doubtful accounts for estimated losses, which may
result from the inability of our customers to make required payments. We base
our allowance on the likelihood of recoverability of accounts receivable
considering such factors as past experience and current collection trends.
Factors taken into consideration in estimating the allowance include: amounts
past due, in dispute, or a client that we believe might be having financial
difficulties. If economic, industry, or specific customer business trends worsen
beyond earlier estimates, we increase the allowance for doubtful accounts by
recording additional expense.

Consideration of impairment of intangible assets -

We evaluate the recovery of the carrying amount of excess of cost over fair
value of assets acquired by determining if a permanent impairment has occurred.
This evaluation is done annually or more frequently if indicators of permanent
impairment arise. Indicators of a permanent impairment include, among other
things, significant adverse change in legal factors or the business climate, an
adverse action by a regulator, unanticipated competition, loss of key personnel
or allocation of goodwill to a portion of the business that is to be sold or
otherwise disposed. We perform our impairment test on September 30th of each
year. In addition to the annual impairment test, we are required to perform an
impairment test any time an indicator occurs, such as those noted above. At such
time as impairment is determined, the intangible assets are written off during
that period.

Valuation reserve on net deferred tax assets -

We record a valuation allowance to reduce our deferred tax assets to the amount
that management considers is more likely than not to be realized. Based upon our
current financial position, results from operations, and our forecast of future
earnings, we do not believe we currently need a valuation reserve.

Company structure

Our consolidated financial statements include the accounts of UCI, UCI-SC, and
its wholly owned subsidiaries. Such consolidation is required under FIN 46, as
revised. UCI-SC, in its sole discretion, can effect a change in the nominee
shareholder of each P.A. at any time for a payment of $100 from the new nominee
shareholder to the old nominee shareholder, with no limits placed on the
identity of any new nominee shareholder and no adverse impact resulting to any
of UCI-SC or the P.A. from such change.

In addition to the nominee shareholder arrangement described above, UCI-SC has
entered into an Administrative Service Agreement with each P.A. As a consequence
of the nominee shareholder arrangement and the Administrative Service Agreement,
we have a long-term financial interest in the affiliated practices of each P.A.
According to the application of FASB Statement No. 94 (Consolidation of All
Majority-Owned Subsidiaries), Statement No. 141 (Business Combinations), and
Interpretation No. 46 (Consolidation of Variable Interest Entities), UCI must
consolidate the results of the affiliated practices with those of UCI.

Approximately 99% of the physicians employed by the P.A. are paid on an hourly
basis for time scheduled and worked at the medical centers. Approximately 30% of
the physicians have incentive compensation arrangements; however, no amounts
were accrued or paid that were significant during our three prior fiscal years.
We base any incentive compensation upon a percentage of non-ancillary
collectible charges for services performed by a provider. As of June 30, 2005
and 2004, the P.A. employed 132 and 134 medical providers, respectively.

The net assets of the P.A. are not material for any period presented, and
intercompany accounts and transactions have been eliminated.

We allocate all indirect costs incurred at the corporate office to the centers.
Therefore, all discussions below are intended to be in the aggregate for us as a
whole.



<PAGE>


Chapter 11 Bankruptcy Filing

On November 2, 2001, we filed a voluntary petition for reorganization under
Chapter 11 of the United States Bankruptcy Code in the United States Bankruptcy
Court for the District of South Carolina (the "Bankruptcy Court"). By August 8,
2002, the Bankruptcy Court confirmed each of our Plans of Reorganization (the
"Plans"), as amended, and we have, therefore, emerged from Chapter 11 protection
of the Court.

Results of Operations

UCI provides nonmedical management and administrative services for a network of
45 freestanding medical centers (the "Centers"), 44 of which are located
throughout South Carolina and one is located in Knoxville, Tennessee (30
operating as Doctors Care in South Carolina, one as Doctors Care in Knoxville,
Tennessee, and 14 as Progressive Physical Therapy Services in South Carolina).

Revenues of approximately $14,000,000 for the quarter ended June 30, 2005
reflect an increase of approximately $2,682,000 or 24% from those of the quarter
ended June 30, 2004.

This increase in revenue is the result of both an increase in the volume of
ancillary services (such as physical therapy and expanded laboratory tests)
being offered at our facilities as well as an increase in patient encounters.
Patient encounters were approximately 138,000 in the third quarter of fiscal
year 2005 as compared to 122,000 in the third quarter of fiscal year 2004, as a
result of increased visits at existing sites.

Pursuant to Statement No. 142, we tested goodwill for impairment in the fourth
quarter of 2004, and we determined there had not been any impairment.

We have continued our services provided to members of HMOs. In these
arrangements, we, through the P.A., act as the designated primary caregiver for
members of HMOs who have selected one of our centers or providers as their
primary care provider. In fiscal year 1994, we began participating in an HMO
operated by BlueChoice HealthPlan ("BCHP"), a wholly owned subsidiary of Blue
Cross Blue Shield of South Carolina (BCBS). BCBS, through BCHP, is a primary
stockholder of UCI. Including our arrangement with BCHP, we now participate in
four HMOs and are the primary care gatekeeper for more than 7,000 lives at June
30, 2005. As of June 30, 2005, all of these HMOs use a discounted
fee-for-service basis for payment. HMOs do not, at this time, have a significant
penetration into the South Carolina market. We are not certain if the market
share of HMOs will grow in the areas in which we operate clinics.

The company maintained sustained revenues in fiscal year 2005 in occupational
medicine and industrial health services (these revenues are referred to as
"employer paid" and "workers compensation" on the table below). We developed
focused marketing materials, including quarterly newsletters for employers, to
spotlight our services for industry. We derived approximately 17% of our total
revenues from these occupational medicine services in the third quarter of
fiscal year 2005 and approximately 20% in the third quarter of fiscal year 2004.

The following table breaks out our revenue and patient visits by revenue source
for the third quarter of fiscal years 2005 and 2004.

<TABLE>
<S>     <C>                                                  <C>           <C>           <C>          <C>

                                                                  Percent of                  Percent of
                             Payor                              Patient Visits                 Revenue
        ------------------------------------------------    ------------------------    -----------------------
                                                               2005         2004           2005        2004
                                                            ------------ -----------    ------------ ----------
                                                                15           18             11          13
        Patient Pay
                                                                 9           11              4           6
        Employer Paid
                                                                 6           6               7           7
        HMO
                                                                10           11             13          14
        Workers Compensation
                                                                14           10             10           7
        Medicare/Medicaid
                                                                43           41             51          49
        Managed Care Insurance
                                                                 3           3               4           4
        Other (Commercial Indemnity, Champus, etc.)
</TABLE>

We earned an operating margin of approximately $3,672,000 during the third
quarter of fiscal 2005 as compared to approximately $2,448,000 for the third
quarter of fiscal 2004. The increase in margin was the result of increased
revenues, as well as vigilant cost control measures.

General and administrative expenses include all salaries, benefits, supplies,
and other operating expenses not specifically related to the day-to-day
operation of the Centers. General and administrative expenses increased to
approximately $2,166,000 in the third quarter of fiscal year 2005, up from
approximately $1,769,000 in the third quarter of fiscal year 2004, as a result
of an increase in personnel costs and advertising costs.

Depreciation and amortization expense increased to approximately $254,000 in the
third quarter of fiscal 2005, up from approximately $245,000 in the third
quarter of fiscal 2004. This increase is the result of renovations and equipment
purchases. Interest expense decreased to approximately $140,000 in the third
quarter of fiscal year 2005, down from approximately $184,000 in the third
quarter of fiscal 2004, due to more favorable terms under the new term-note
agreement.

During the quarter ended December 31, 2004, our management determined that it
was more likely than not that the recorded deferred tax asset was becoming more
realizable. Therefore, we recorded an adjustment of approximately $4,500,000
based upon our current financial position and results from operations, and our
forecast of the next twelve months. During the third quarter ending June 30,
2005, the Company recorded income tax expense of approximately $450,000.

Financial Condition at June 30, 2005

Cash and cash equivalents increased by approximately $489,000 during the nine
months ended June 30, 2005, mainly as a result of increased revenues, and cost
controls.

Accounts receivable increased by approximately $652,000 during the nine months
ended June 30, 2005 and is largely a result of an overall increase in revenues.

Long-term debt increased to approximately $5,108,000 at June 30, 2005, up from
approximately $3,504,000 at September 30, 2004. On June 16, 2005, we entered
into a loan agreement with Branch Banking & Trust Company of South Carolina in
the principal amount of $4,300,000 to refinance an existing term loan at more
favorable terms and a lower interest rate in order to pay the balance in full
for all pre-petition taxes due to the Internal Revenue Service and the South
Carolina Department of Revenue. The new variable interest rate is Branch Banking
& Trust Company of South Carolina's prime interest rate plus half a percent per
annum and is repayable monthly, with the final payment due on June 16, 2009.

Liquidity and Capital Resources

We require capital principally to fund growth (acquire new Centers), for working
capital needs, and for the retirement of indebtedness. We fund our capital
requirements and working capital needs through a combination of external
financing and credit extended by suppliers.

As of June 30, 2005, we have no material commitments for capital expenditures or
for acquisitions or start-ups.

Operating activities produced approximately $3,094,000 of cash during the nine
months ended June 30, 2005, compared with approximately $2,570,000 during the
same period in the prior fiscal year. This increase is due to an increase in net
income, offset by a decrease in accrued liabilities.

Investing activities used approximately $1,682,000 in cash during the nine
months ended June 30, 2005 as compared to approximately $1,482,000 during the
nine months ended June 30, 2004. This increase is due to purchases of equipment
and building renovations for our operating sites.

Financing activities utilized approximately $922,000 in cash during the nine
month period ended June 30, 2005 as compared to approximately $1,533,000 during
the nine months ended June 30, 2004. This decrease is primarily the result of
increased borrowings under the term note agreement offset by regular principal
payments.



<PAGE>



                                     ITEM 3


           QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

We are exposed to changes in interest rates primarily as a result of our
borrowing activities, which includes credit facilities with financial
institutions used to maintain liquidity and fund our business operations, as
well as notes payable to various third parties in connection with certain
acquisitions of property and equipment. The nature and amount of our debt may
vary as a result of future business requirements, market conditions and other
factors. The definitive extent of our interest rate risk is not quantifiable or
predictable because of the variability of future interest rates and business
financing requirements. We do not currently use derivative instruments to adjust
our interest rate risk profile.

Approximately $507,000 of our debt at June 30, 2005 was subject to fixed
interest rates and principal payments. Approximately $4,601,000 of our debt at
June 30, 2005 was subject to variable interest rates. Based on the outstanding
amounts of variable rate debt at June 30, 2005, our interest expense on an
annualized basis would increase approximately $46,000 for each increase of one
percent in the prime rate.

We do not utilize financial instruments for trading or other speculative
purposes, nor do we utilize leveraged financial instruments.



<PAGE>


                                     ITEM 4

                             CONTROLS AND PROCEDURES

We conducted an evaluation of the effectiveness of the design and operation of
our "disclosure controls and procedures" (Disclosure Controls) as of the end of
the period covered by this Quarterly Report. The controls evaluation was done
under the supervision and with the participation of management, including our
Chief Executive Officer (CEO) and Chief Financial Officer (CFO).

Attached as exhibits to this Quarterly Report are certifications of the CEO and
the CFO, which are required in accord with Rule 13a-15(e) of the Exchange Act.
This Controls and Procedures section includes the information concerning the
controls evaluation referred to in the certifications and it should be read in
conjunction with the certifications for a more complete understanding of the
topics presented.

Definition of Disclosure Controls

Disclosure Controls are controls and procedures designed to reasonably assure
that information required to be disclosed in our reports filed under the
Exchange Act, such as this Quarterly Report, is recorded, processed, summarized
and reported within the time periods specified in the SEC's rules and forms.
Disclosure Controls are also designed to reasonably assure that such information
is accumulated and communicated to our management, including the CEO and CFO, as
appropriate to allow timely decisions regarding required disclosure. Our
Disclosure Controls include components of our internal control over financial
reporting, which consists of control processes designed to provide reasonable
assurance regarding the reliability of our financial reporting and the
preparation of financial statements in accordance with US generally accepted
accounting principles. To the extent that components of our internal control
over financial reporting are included within our Disclosure Controls, they are
included in the scope of our quarterly controls evaluation.

Limitations on the Effectiveness of Controls

The company's management, including the CEO and CFO, does not expect that our
Disclosure Controls or our internal control over financial reporting will
prevent all error and all fraud. A control system, no matter how well designed
and operated, can provide only reasonable, not absolute, assurance that the
control system's objectives will be met. Further, the design of a control system
must reflect the fact that there are resource constraints, and the benefits of
controls must be considered relative to their costs. Because of the inherent
limitations in all control systems, no evaluation of controls can provide
absolute assurance that all control issues and instances of fraud, if any,
within the company have been detected. These inherent limitations include the
realities that judgments in decision-making can be faulty, and that breakdowns
can occur because of simple error or mistake. Controls can also be circumvented
by the individual acts of some persons, by collusion of two or more people, or
by management override of the controls. The design of any system of controls is
based in part upon certain assumptions about the likelihood of future events,
and there can be no assurance that any design will succeed in achieving its
stated goals under all potential future conditions. Over time, controls may
become inadequate because of changes in conditions or deterioration in the
degree of compliance with policies or procedures. Because of the inherent
limitations in a cost-effective control system, misstatements due to error or
fraud may occur and not be detected.

Scope of the Controls Evaluation

The evaluation of our Disclosure Controls included a review of the controls'
objectives and design, the company's implementation of the controls and the
effect of the controls on the information generated for use in this Quarterly
Report. In the course of the controls evaluation, we sought to identify data
errors, controls problems or acts of fraud and confirm that appropriate
corrective action, including process improvements, were being undertaken. This
type of evaluation is performed on a quarterly basis so that the conclusions of
management, including the CEO and CFO, concerning controls effectiveness can be
reported in our Quarterly Reports on Form 10-Q and to supplement our disclosures
made in our Annual Report on Form 10-K. Many of the components of our Disclosure
Controls are also evaluated on an ongoing basis by our Internal Audit Department
and by other personnel in our Finance organization, as well as our independent
auditors who evaluate them in connection with determining their auditing
procedures related to their report on our annual financial statements and not to
provide assurance on our controls. The overall goals of these various evaluation
activities are to monitor our Disclosure Controls, and to modify them as
necessary; our intent is to maintain the Disclosure Controls as dynamic systems
that change as conditions warrant.

Among other matters, we also considered whether our evaluation identified any
"significant deficiencies" or "material weaknesses" in our internal control over
financial reporting, and whether the company had identified any acts of fraud
involving personnel with a significant role in our internal control over
financial reporting. This information was important both for the controls
evaluation generally, and because item 5 in the certifications of the CEO and
CFO require that the CEO and CFO disclose that information to our Board's Audit
Committee and to our independent auditors. In the professional auditing
literature, "significant deficiencies" are referred to as "reportable
conditions," which are deficiencies in the design or operation of controls that
could adversely affect our ability to record, process, summarize and report
financial data in the financial statements. Auditing literature defines
"material weakness" as a particularly serious reportable condition where the
internal control does not reduce to a relatively low level the risk that
misstatements caused by error or fraud may occur in amounts that would be
material in relation to the financial statements and the risk that such
misstatements would not be detected within a timely period by employees in the
normal course of performing their assigned functions. We also sought to address
other control matters in the controls evaluation, and in each case if a problem
was identified, we considered what revision, improvement and/or correction to
make in accordance with our ongoing procedures.

Conclusions

Based upon the controls evaluation, our CEO and CFO have concluded that, subject
to the limitations noted above, as of the end of the period covered by this
Quarterly Report, our Disclosure Controls were effective to provide reasonable
assurance that material information relating to UCI and its consolidated
subsidiaries is made known to management, including the CEO and CFO,
particularly during the period when our periodic reports are being prepared.


<PAGE>


                                     PART II

                                OTHER INFORMATION


Item              1 Legal Proceedings This item is not applicable.

Item 2            Unregistered Sales of Equity Securities and Use of Proceeds
                  This item is not applicable.

Item              3 Defaults upon Senior Securities This item is not applicable.

Item              4 Submission of Matters to a Vote of Security Holders This
                  item is not applicable.

Item              5 Other Information This item is not applicable.

Item 6            Exhibits

     31.1 Certification of Chief Executive Officer Pursuant to Rule 13a-14(a) of
the Exchange Act.

     31.2  Certification  of Chief  Financial  Officer and Principal  Accounting
Officer Pursuant to Rule 13a-14(a) of the Exchange Act.

                  32.1 Certification of Chief Executive Officer and Chief
                  Financial Officer and Principal Accounting Officer Pursuant to
                  Rule 13a-14(b) of the Exchange Act and 18 U.S.C. Section 1350,
                  as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act
                  of 2002.

                  99.1     Press Release dated August 9, 2005.



<PAGE>




                                   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.


UCI Medical Affiliates, Inc.
         (Registrant)


/s/ D. Michael Stout, M.D.             /s/ Jerry F. Wells, Jr., CPA
------------------------------------   --------------------------
D. Michael Stout, M.D.                 Jerry F. Wells, Jr., CPA
President and Chief Executive Officer  Executive Vice President,
                                       Chief Financial Officer and
                                       Principal Accounting Officer



Date:  August 9, 2005