EXHIBIT 99


                    AMERICAN COUNTRY HOLDINGS INC.
                         SAFE HARBOR STATEMENT

     Information provided by the Company may contain certain forward-
looking information, which, as defined by the Private Securities
Litigation Reform Act of 1995 (the "Act"), may relate to such matters
as future plans, targets and objectives, cyclical industry conditions,
government and regulatory policies, the uncertainties of the reserving
process and the competitive environment in which the Company operates
or the assumptions relating to any of the forward-looking information.
This Safe Harbor Statement is being made pursuant to the Act and with
the intention of obtaining the benefits of the so-called "safe harbor"
provisions of the Act.  The Company cautions that forward-looking
statements are not guarantees since there are inherent difficulties in
predicting future results, and that actual results could differ
materially from those expressed or implied in the forward-looking
statements.  Factors that could cause actual results to differ
include, but are not necessarily limited to, the following:

*    Property and Casualty Insurance Industry.  American Country's
business depends on its ability to retain its current insurance
customers and write new insurance business.  The property and casualty
insurance industry is highly competitive on the basis of both price
and service.  American Country faces competition from national and
regional insurance carriers and innovative insurance programs put
together by insurance agents and reinsurance companies.  See
"Business--Competition" for additional information.

*    Fluctuations in Industry Results.  The financial results of
property and casualty insurers historically have been subject to
significant fluctuations.  Profitability is affected significantly by
volatile and unpredictable developments (including catastrophes),
changes in loss reserves resulting from changing legal environments as
different types of claims arise and judicial interpretations develop
relating to the scope of insurers' liability, fluctuations in interest
rates and other changes in the investment environment which affect
returns on invested capital, and inflationary pressures that affect
the size of losses.  Further, underwriting results have been cyclical
in the property and casualty insurance industry, with protracted
periods of overcapacity adversely impacting premium rates, resulting
in higher combined ratios, followed by periods of under capacity and
escalating premium rates, resulting in lower combined ratios.

*    Regulation.  American Country is subject to governmental
regulation in each of the jurisdictions in which it conducts business.
Insurance regulatory agencies have broad administrative powers with
respect to all aspects of an insurance company's business, including
rates, policy forms, dividend payments, capital adequacy and the
amount and type of investments it may have.  These regulations are
intended primarily to protect policyholders rather than
securityholders.  The insurance regulatory framework continues to be

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subject to scrutiny by the National Association of Insurance
Commissioners, state legislatures and the United States Congress.  No
assurance can be given that future legislative or regulatory changes
resulting from such activity will not adversely affect American
Country.  See "Business--Regulation" and "Management's Discussion and
Analysis of Financial Conditions and Results of Operations--
Regulation" for additional information.

*    Marketing.  Becoming licensed as an authorized insurer and
writing business in additional states is one of the foundations of
American Country's growth strategy.  American Country's ability to
enter and write new business in these markets is contingent upon its
becoming licensed by the insurance department of each jurisdiction.
Each jurisdiction has its own licensing requirements and it may be
difficult for American Country to obtain a license in the particular
jurisdiction in which it applies.  See "Business--Marketing," and
"--Regulation" for additional information.

*    Reinsurance.  The majority of American Country's reinsurance is
placed with a limited number of reinsurers.  American Country is
required to obtain reinsurance in a competitive marketplace and a
contingent liability exists to the extent that American Country's
reinsurers are unable to meet their contractual obligations.

*    Adequacy of Loss Reserves.  The liabilities for unpaid losses and
loss adjustment expenses are estimated by management utilizing methods
and procedures which they believe are reasonable.  These liabilities
are necessarily subject to the impact of future changes in claims
severity and frequency, as well as numerous other factors.  Although
management believes that the estimated liabilities for losses and loss
adjustment expenses are reasonable, because of the extended period of
time over which such losses are reported and settled, the subsequent
development of these liabilities may not conform to the assumptions
inherent in their determination and, accordingly, may vary
significantly from the amounts estimated by American Country.

*    Ratings.  Increased public and regulatory concerns with the
financial stability of insurers have resulted in greater emphasis by
policyholders upon insurance company ratings, with a resultant
potential competitive advantage for carriers with higher ratings.
American Country currently is rated "A-" by A.M. Best.  In addition,
Standard & Poor's has given American Country an Insurer Claims-Paying
Ability Rating of "BBBq" (Adequate).  There can be no assurance,
however, that American Country will maintain its ratings; any
downgrade could materially adversely affect its operations.  A.M.
Best's and Standard & Poor's ratings are based on an analysis of the
financial condition and operations of American Country as they relate
to the industry in general and are not designed for the protection of
investors.