UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                          Washington, D.C. 20549-1004

                                  FORM 10-Q/A

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

                FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 2002

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

            For the transition period from _________ to ____________


                        Commission File Number: 0-29042

                        SYMONS INTERNATIONAL GROUP, INC.
             (Exact name of registrant as specified in its charter)


INDIANA                                                              35-1707115
(State  or  other  jurisdiction  of                           (I.R.S.  Employer
incorporation  or  organization)                           Identification  No.)

                              4720 Kingsway Drive
                          Indianapolis, Indiana 46205
                    (Address of Principal Executive Offices)

       Registrant's telephone number, including area code:  (317) 259-6300

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 12 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.  Yes  [X]      No


As  of  October  31,  2002,  there were 10,385,399 shares of Registrant's no par
value  common  stock  issued  and  outstanding.







ITEM  6.     EXHIBITS  AND  REPORTS  ON  FORM  8-K
Exhibits
--------

     10.26    Promissory  Note  dated  December  28, 2001 by Superior Insurance
              Group,  Inc.  to  Granite  Reinsurance  Company,  Ltd.

     10.27    Promissory Note dated October 23, 2002 made by Superior Insurance
              Group,  Inc.  to  Granite  Reinsurance  Company,  Ltd.

     99.1     Certification pursuant to Section 906 of the Sarbanes-Oxley Act
              of 2002  (CEO)

     99.2     Certification pursuant to Section 906 of the Sarbanes-Oxley Act of
              2002  (CFO)



Reports  on  Form  8-K  Filed  September  18,  2002
---------------------------------------------------

Mark  A.  Paul resigned his position as Vice President, Chief Financial Officer,
Treasurer  and  Director  of  the  Company  on September 13, 2002.  The Board of
Directors  of  the  Company  has  elected  Bruce  K.  Dwyer as its interim Chief
Financial  Officer  while  the Company searches for a permanent replacement. Mr.
Dwyer  previously  served as Chief Financial Officer of the Company from October
1999  to  September  2000  and  has  been  a consultant to the Company since his
departure.

<PAGE>
SIGNATURES

Pursuant  to  the requirements of Section 13 or 15(d) of the Securities Exchange
Act  of  1934,  the  Registrant  has duly caused this report to be signed on its
behalf  by  the  undersigned,  thereunto  duly  authorized on November 19, 2002.



                                                  By:  /s/  Douglas  H.  Symons
                                                       ------------------------
                          President,  Chief  Executive  Officer  and  Secretary
                                                (principal  executive  officer)

                                                     By:  /s/  Bruce  K.  Dwyer
                                                          ---------------------
                                                      Chief  Financial  Officer

<PAGE>
CERTIFICATION  PURSUANT  TO  SECTION  302  OF  THE  SARBANES - OXLEY ACT OF 2002
                        SYMONS INTERNATIONAL GROUP, INC.

     I,  Douglas  H.  Symons,  certify  that:
         -------------------

1.     I  have  reviewed  the  quarterly  report on Form 10-Q and Form 10-Q/A of
Symons  International  Group,  Inc.  for  the  quarter ended September 30, 2002.

2.     Based  on my knowledge, this quarterly report does not contain any untrue
statement  of a material fact or omit to state a material fact necessary to make
the  statements  made, in light of the circumstances under which such statements
were  made,  not misleading with respect to the period covered by this quarterly
report.

3.     Based  on  my  knowledge,  the  financial statements, and other financial
information  included  in  this quarterly report, fairly present in all material
respects  the  financial  condition, results of operations and cash flows of the
registrant  as  of,  and  for,  the  periods presented in this quarterly report.

4.     The  registrant's  other  certifying  officers  and I are responsible for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange  Act  Rules  13a-14  and  15d-14)  for  the  registrant,  and  we have:

                         a)   designed  such  disclosure controls and procedures
                              to  ensure  that  material information relating to
                              the  registrant,  including  its  consolidated
                              subsidiaries, is made known to us by others within
                              those  entities, particularly during the period in
                              which  this  quarterly  report  is being prepared;

                         b)   evaluated  the  effectiveness  of the registrant's
                              disclosure  controls  and  procedures as of a date
                              within  90  days  prior to the filing date of this
                              quarterly  report  (the  "Evaluation  Date");  and

                         c)   presented in this quarterly report our conclusions
                              about the effectiveness of the disclosure controls
                              and  procedures  based on our evaluation as of the
                              Evaluation  Date;

5.     The registrant's other certifying officers and I have disclosed, based on
our most recent evaluation, to the registrant's auditors and the audit committee
of  registrant's  board  of  directors  (or  persons  performing  the equivalent
functions):

                         a)   all  significant  deficiencies  in  the  design or
                              operation  of  internal  controls  which  could
                              adversely  affect  the  registrant's  ability  to
                              record,  process,  summarize  and report financial
                              data  and  have  identified  for  the registrant's
                              auditors  any  material  weaknesses  in  internal
                              controls;  and

                         b)   any  fraud, whether or not material, that involves
                              management  or  other  employees  who  have  a
                              significant  role  in  the  registrant's  internal
                              controls;  and

6.     The  registrant's  other certifying officers and I have indicated in this
quarterly  report whether there were significant changes in internal controls or
in other factors that could significantly affect internal controls subsequent to
the  date  of  our most recent evaluation, including any corrective actions with
regard  to  significant  deficiencies  and  material  weaknesses.

Dated:  November  19,  2002                        By:  /s/  Douglas  H.  Symons
        -------------------                             ------------------------
                                                             Douglas  H.  Symons
                                                       Chief  Executive  Officer

<PAGE>
CERTIFICATION  PURSUANT  TO  SECTION  302  OF  THE  SARBANES - OXLEY ACT OF 2002

                        SYMONS INTERNATIONAL GROUP, INC.
                        --------------------------------

     I,  Bruce  K.  Dwyer,  certify  that:
         ----------------

1.     I  have  reviewed  the  quarterly  report on Form 10-Q and Form 10-Q/A of
Symons  International  Group,  Inc.  for  the  quarter ended September 30, 2002.

2.     Based  on my knowledge, this quarterly report does not contain any untrue
statement  of a material fact or omit to state a material fact necessary to make
the  statements  made, in light of the circumstances under which such statements
were  made,  not misleading with respect to the period covered by this quarterly
report.

3.     Based  on  my  knowledge,  the  financial statements, and other financial
information  included  in  this quarterly report, fairly present in all material
respects  the  financial  condition, results of operations and cash flows of the
registrant  as  of,  and  for,  the  periods presented in this quarterly report.

4.     The  registrant's  other  certifying  officers  and I are responsible for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange  Act  Rules  13a-14  and  15d-14)  for  the  registrant,  and  we have:

                         a)   designed  such  disclosure controls and procedures
                              to  ensure  that  material information relating to
                              the  registrant,  including  its  consolidated
                              subsidiaries, is made known to us by others within
                              those  entities, particularly during the period in
                              which  this  quarterly  report  is being prepared;

                         b)   evaluated  the  effectiveness  of the registrant's
                              disclosure  controls  and  procedures as of a date
                              within  90  days  prior to the filing date of this
                              quarterly  report  (the  "Evaluation  Date");  and
                         c)   presented in this quarterly report our conclusions
                              about the effectiveness of the disclosure controls
                              and  procedures  based on our evaluation as of the
                              Evaluation  Date;

5.     The registrant's other certifying officers and I have disclosed, based on
our most recent evaluation, to the registrant's auditors and the audit committee
of  registrant's  board  of  directors  (or  persons  performing  the equivalent
functions):

                         a)   all  significant  deficiencies  in  the  design or
                              operation  of  internal  controls  which  could
                              adversely  affect  the  registrant's  ability  to
                              record,  process,  summarize  and report financial
                              data  and  have  identified  for  the registrant's
                              auditors  any  material  weaknesses  in  internal
                              controls;  and

                         b)   any  fraud, whether or not material, that involves
                              management  or  other  employees  who  have  a
                              significant  role  in  the  registrant's  internal
                              controls;  and

6.     The  registrant's  other certifying officers and I have indicated in this
quarterly  report whether there were significant changes in internal controls or
in other factors that could significantly affect internal controls subsequent to
the  date  of  our most recent evaluation, including any corrective actions with
regard  to  significant  deficiencies  and  material  weaknesses.


Dated:  November  19,  2002
        -------------------
                                                       By:  /s/Bruce  K.  Dwyer
                                                            -------------------
                                                               Bruce  K.  Dwyer
                                                      Chief  Financial  Officer

<PAGE>

                                  EXHIBIT INDEX

REFERENCE  TO
REGULATION  S-K
EXHIBIT  NO.  DOCUMENT


10.26    Promissory  Note  dated December 28, 2001 by Superior Insurance Group,
         Inc. to  Granite  Reinsurance  Company,  Ltd.

10.27    Promissory  Note  dated  October  23,  2002 made by Superior Insurance
         Group, Inc.  to  Granite  Reinsurance  Company,  Ltd.

99.1     Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
         (CEO)

99.2     Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
(CFO)


<PAGE>
                                EXHIBIT NO. 10.26


PROMISSORY  NOTE  -  $2,500,000


     FOR  VALUE  RECEIVED,  the  undersigned,  Superior Insurance Group, Inc., a
Delaware  corporation  (hereinafter  called the "Maker"), promises to pay to the
order  of Granite Reinsurance Company, Ltd., a Barbados corporation (hereinafter
referred to as "Payee"), or order, the principal sum of Two Million Five Hundred
Thousand  Dollars  ($2,500,000) (or such amount as Maker shall borrow hereunder)
with  interest at the annualized rate (adjusted monthly) equal to the sum of the
following  (the  "Effective  Rate"):  (i) the prime rate of interest (the "Prime
Rate",  as  determined  below), plus (ii) five and one-quarter percent (5 1/4%);
provided,  however,  that  the  Effective Rate shall not exceed eighteen percent
(18%)  per  annum.  This  Note  shall  be  paid  as  follows:

                         (1)  Payments of interest accrued on this Note shall be
                              paid  on  the  first  business  day  of  the month
                              following  any month during which any principal or
                              interest on this Note is outstanding. Interest for
                              any  one  month  period  shall  be  calculated  by
                              applying  the Effective Rate (as of the 1st day of
                              the  month)  on  the  principal amount outstanding
                              during  such  month. The first payment of interest
                              under  this  Note  shall  be  February  1,  2002.

                         (2)  All principal and interest under this Note, if not
                              sooner  paid, shall be due and payable on December
                              20,  2004.

                         (3)  In  the  event  any  installment  of  principal or
                              interest  is  not paid when due, interest shall be
                              paid  on  the amount in default at a rate equal to
                              eighteen  percent (18%) per annum (but in no event
                              to  exceed  the maximum rate of interest permitted
                              by  law).

     The  Effective  Rate for each month shall be determined on the first day of
such  month.  The  Prime Rate shall be determined on the first day of each month
and  shall  be  the prime rate as quoted in the Wall Street Journal on the first
day  of  such  month  or the first day of such month for which the prime rate is
published in the Wall Street Journal.  Maker shall have the right to borrow from
Payee  under  this Note, from time to time prior to December 20, 2003, an amount
equal  to  a  maximum of Two Million Five Hundred Thousand Dollars ($2,500,000).

      If  any  check  tendered  to the Payee by Maker for payment of any sum due
hereunder  is  not honored and is returned to the Payee by the Maker's bank, for
insufficient  funds  or  otherwise,  Payee  may,  at its option and upon written
notice  to  Maker,  require  that  all  future payments by Maker be made by wire
transfer,  cashier's check or other certified funds acceptable to the Payee.  If
Payee  elects  to  require  payment  by  wire transfer, cashier's check or other
certified  funds,  Payee  shall have the right to return any subsequent payments
that  are  not  made  by  such wire transfer, cashier's check or other certified
funds,  and, in such case, such payment shall be deemed not to have been made by
Maker.  Acceptance  of any payment not made by wire transfer, cashier's check or
certified  funds  shall  not  constitute a waiver of Payee's continuing right to
require  further  payments by wire transfer, cashier's check or certified funds.
In the event any installment of principal or interest or any part thereof is not
paid within ten (10) days of the due date thereof, such event shall constitute a
default  hereunder and, irrespective of whether Payee issues or records a notice
of  default,  Maker  agrees  to  pay  a "late charge" in an amount equal to five
percent  (5%) of such unpaid payment, together with interest on such payment and
late  charge  at  the  same  rate  of  interest as provided in this Note.  Maker
acknowledges  that  in  addition  to lost interest, the late payment by Maker to
Payee  of  amounts  due  as  set forth above will cause Maker to incur costs not
contemplated  under  this Note, including processing, administrative, accounting
and  other  charges  and costs, the exact amount of which will be impractical or
extremely  difficult  to  ascertain.  Accordingly, the parties hereto agree that
the foregoing late charge represents a fair and reasonable estimate of the costs
that  Payee  will incur by reason of any late payment by Maker and shall be paid
to  Payee  as  liquidated  damages related to such processing and administrative
costs.  The  parties  addition-ally  acknowledge and agree that late charges are
distinct  and  separate  from  the  payment of interest on amounts in default as
addressed  above.

     The  installments due hereunder are to be paid at the office of Payee or at
such  other place as Payee or the holder hereof may from time to time designate.

     Nothing herein contained shall be so construed or operate as to require the
Maker  to  pay  interest on this Note at a rate greater than that allowed by the
laws  of  the  State  of  Indiana, and if any provisions herein contained do, or
would  presently  or prospectively operate to make this Note or any part thereof
void,  voidable,  or  ineffective,  then those provisions only shall be held for
naught  and  as  though not herein contained and shall be without effect upon or
prejudice  to  the  remaining  provisions,  which  shall  nevertheless  remain
operative.

     Time is of the essence of this Note.  In the event of default in payment of
any installment when due, the Payee may at its option declare the unpaid balance
of  said  debt  due,  payable  and collectible.  Failure to exercise this option
shall not constitute a waiver of the right to exercise it at any other time when
a  default  shall  exist  or  continue.

     Maker,  as  well  as any sureties and guarantors, severally waive notice of
default,  demand  for  payment and diligence in filing suit, and agree that time
for  payment of any installment may be extended from time to time without notice
at  the  option  of  the  holder  hereof.

     In  the  event  of  default  in  payment  of this Note or of default in any
document given as security for this Note, and if the same is placed in the hands
of  an attorney for collection or foreclosure, the undersigned agrees to pay the
holder's  attorneys'  fee  and  all  costs  of  collection.

     In  the  event of default in the performance of any covenant, condition, or
agreement  contained  in  any document or agreement securing the payment of this
Note,  or  in  the  event of a default by Maker or any affiliate of Maker on any
indebtedness  for  which  the  assets of Maker may be applied in satisfaction of
such  indebtedness,  then  the  holder of this Note shall have the unconditional
right,  without demand, notice, or other action, to declare the unpaid principal
balance  of  this  Note, together with interest accrued thereon, at once due and
payable and to foreclose each lien securing the payment hereof, either under any
power of sale contained in such documents or agreements or by court proceedings,
as  such  holder  elects.

     In  addition,  a  default under this Note shall include, but not be limited
to,  the  sale,  transfer,  assignment,  mortgage,  pledge,  hypothecation  or
encumbrance  (whether  volun-tary  or  involuntary)  of, or the execution of any
agree-ment  to  sell,  transfer,  assign,  mortgage,  pledge,  hypothe-cate  or
encum-ber of the whole or any portion of maker's right, title or interest in and
to  the  collateral  -without  the  prior  written  consent  of the Payee unless
otherwise  permitted  herein.

     If  Maker  shall  sell,  convey,  transfer,  assign or further encumber any
collateral  or  any  part  thereof  or  any  interest  therein, whether legal or
equita-ble,  in  any  manner (whether voluntarily or involuntarily), without the
written  consent of Payee, which consent Payee shall have no obligation to give,
Payee  shall  have  the  right,  at  its option, to declare the indebtedness and
obligations  represented hereby immedi-ately due and payable irrespective of the
maturity date specified in this Note.  Any consent by Payee to the trans-fer may
be  predicated  upon  any  terms,  conditions  and covenants deemed advisable or
necessary  in the sole option of Payee, including, but not limited to, the right
to  require  of  the  transferee  assumption  of  personal liability on the debt
represented  by this Note, to approve the form and substance of all transfer and
assumption  documents,  and  to  change  the interest rate, date of maturity and
monthly payments of the debt represented by this Note, and may be conditioned on
the  receipt  of  a  fee based on a percentage of the original sum of this Note.
The  granting  of  permission  for  a  transferee  to  assume  the existing loan
agreement,  security  agreement  and  other  related  documents shall not in any
manner  be  deemed  a consent to any subsequent transfer, and Payee shall retain
the  right  of consent to such transfer or transfers on the terms and conditions
stated  above.  Consent,  whether  expressed or implied, to one such transaction
shall  not  be  deemed to be a waiver of the right of such consent to further or
successive transactions.  Any por-tion of this covenant which may be held by any
court of competent jurisdiction to be un-enforceable shall be deemed several and
the  balance  of this covenant shall be fully enforceable.  Consent to such sale
or  transfer  or  to  any  subsequent  sale  or trans-fer shall not be deemed to
constitute consent to any subse-quent sale or transfer or a waiver of any rights
of  Payee  not  to  so  consent.

     DATED:  December  28,  2001

                                               Superior  Insurance  Group,  Inc.



                                                    By:     s/  Gene  S.  Yerant
                                                            --------------------
                                                    Gene  S.  Yerant,  President









<PAGE>
                                EXHIBIT NO. 10.27


PROMISSORY  NOTE  -  $1,000,000


FOR  VALUE RECEIVED, the undersigned, Superior Insurance Group, Inc., a Delaware
corporation  (hereinafter  called  the "Maker"), promises to pay to the order of
Granite  Reinsurance Company, Ltd., a Barbados corporation (hereinafter referred
to  as "Payee"), or order, the principal sum of One Million Dollars ($1,000,000)
(or  such  lesser  amount  as Maker shall borrow hereunder) with interest at the
annualized  rate  (adjusted  monthly)  equal  to  the  sum of the following (the
"Effective  Rate"):  (i)  the  prime  rate  of  interest  (the  "Prime Rate", as
determined  below),  plus  (ii) five and one-quarter percent (5 1/4%); provided,
however,  that  the  Effective  Rate shall not exceed eighteen percent (18%) per
annum.  This  Note  shall  be  paid  as  follows:

                         (1)  Payments of interest accrued on this Note shall be
                              paid  on  the  first  business  day  of  the month
                              following  any month during which any principal or
                              interest on this Note is outstanding. Interest for
                              any  one  month  period  shall  be  calculated  by
                              applying  the Effective Rate (as of the 1st day of
                              the  month)  on  the  principal amount outstanding
                              during  such  month. The first payment of interest
                              under  this  Note  shall  be  December  1,  2002.

                         (2)  All principal and interest under this Note, if not
                              sooner  paid, shall be due and payable on November
                              30,  2004.

                         (3)  In  the  event  any  installment  of  principal or
                              interest  is  not paid when due, interest shall be
                              paid  on  the amount in default at a rate equal to
                              eighteen  percent (18%) per annum (but in no event
                              to  exceed  the maximum rate of interest permitted
                              by  law).

     The  Effective  Rate for each month shall be determined on the first day of
such  month.  The  Prime Rate shall be determined on the first day of each month
and  shall  be  the prime rate as quoted in the Wall Street Journal on the first
day  of  such  month  or the first day of such month for which the prime rate is
published in the Wall Street Journal.  Maker shall have the right to borrow from
Payee  under  this Note, from time to time prior to December 20, 2002, an amount
equal  to  a  maximum  of  One  Million  Dollars  ($1,000,000).

      If  any  check  tendered  to the Payee by Maker for payment of any sum due
hereunder  is  not honored and is returned to the Payee by the Maker's bank, for
insufficient  funds  or  otherwise,  Payee  may,  at its option and upon written
notice  to  Maker,  require  that  all  future payments by Maker be made by wire
transfer,  cashier's check or other certified funds acceptable to the Payee.  If
Payee  elects  to  require  payment  by  wire transfer, cashier's check or other
certified  funds,  Payee  shall have the right to return any subsequent payments
that  are  not  made  by  such wire transfer, cashier's check or other certified
funds,  and, in such case, such payment shall be deemed not to have been made by
Maker.  Acceptance  of any payment not made by wire transfer, cashier's check or
certified  funds  shall  not  constitute a waiver of Payee's continuing right to
require  further  payments by wire transfer, cashier's check or certified funds.

In the event any installment of principal or interest or any part thereof is not
paid within ten (10) days of the due date thereof, such event shall constitute a
default  hereunder and, irrespective of whether Payee issues or records a notice
of  default,  Maker  agrees  to  pay  a "late charge" in an amount equal to five
percent  (5%) of such unpaid payment, together with interest on such payment and
late  charge  at  the  same  rate  of  interest as provided in this Note.  Maker
acknowledges  that  in  addition  to lost interest, the late payment by Maker to
Payee  of  amounts  due  as  set forth above will cause Maker to incur costs not
contemplated  under  this Note, including processing, administrative, accounting
and  other  charges  and costs, the exact amount of which will be impractical or
extremely  difficult  to  ascertain.  Accordingly, the parties hereto agree that
the foregoing late charge represents a fair and reasonable estimate of the costs
that  Payee  will incur by reason of any late payment by Maker and shall be paid
to  Payee  as  liquidated  damages related to such processing and administrative
costs.  The  parties  addition-ally  acknowledge and agree that late charges are
distinct  and  separate  from  the  payment of interest on amounts in default as
addressed  above.

     The  installments due hereunder are to be paid at the office of Payee or at
such  other place as Payee or the holder hereof may from time to time designate.

     Nothing herein contained shall be so construed or operate as to require the
Maker  to  pay  interest on this Note at a rate greater than that allowed by the
laws  of  the  State  of  Indiana, and if any provisions herein contained do, or
would  presently  or prospectively operate to make this Note or any part thereof
void,  voidable,  or  ineffective,  then those provisions only shall be held for
naught  and  as  though not herein contained and shall be without effect upon or
prejudice  to  the  remaining  provisions,  which  shall  nevertheless  remain
operative.

     Time is of the essence of this Note.  In the event of default in payment of
any installment when due, the Payee may at its option declare the unpaid balance
of  said  debt  due,  payable  and collectible.  Failure to exercise this option
shall not constitute a waiver of the right to exercise it at any other time when
a  default  shall  exist  or  continue.

     Maker,  as  well  as any sureties and guarantors, severally waive notice of
default,  demand  for  payment and diligence in filing suit, and agree that time
for  payment of any installment may be extended from time to time without notice
at  the  option  of  the  holder  hereof.

     In  the  event  of  default  in  payment  of this Note or of default in any
document given as security for this Note, and if the same is placed in the hands
of  an attorney for collection or foreclosure, the undersigned agrees to pay the
holder's  attorneys'  fee  and  all  costs  of  collection.

     In  the  event of default in the performance of any covenant, condition, or
agreement  contained  in  any document or agreement securing the payment of this
Note,  or  in  the  event of a default by Maker or any affiliate of Maker on any
indebtedness  for  which  the  assets of Maker may be applied in satisfaction of
such  indebtedness,  then  the  holder of this Note shall have the unconditional
right,  without demand, notice, or other action, to declare the unpaid principal
balance  of  this  Note, together with interest accrued thereon, at once due and
payable and to foreclose each lien securing the payment hereof, either under any
power of sale contained in such documents or agreements or by court proceedings,
as  such  holder  elects.

     In  addition,  a  default under this Note shall include, but not be limited
to,  the  sale,  transfer,  assignment,  mortgage,  pledge,  hypothecation  or
encumbrance  (whether  volun-tary  or  involuntary)  of, or the execution of any
agree-ment  to  sell,  transfer,  assign,  mortgage,  pledge,  hypothe-cate  or
encum-ber of the whole or any portion of maker's right, title or interest in and
to  the  collateral  -without  the  prior  written  consent  of the Payee unless
otherwise  permitted  herein.

     If  Maker  shall  sell,  convey,  transfer,  assign or further encumber any
collateral  or  any  part  thereof  or  any  interest  therein, whether legal or
equita-ble,  in  any  manner (whether voluntarily or involuntarily), without the
written  consent of Payee, which consent Payee shall have no obligation to give,
Payee  shall  have  the  right,  at  its option, to declare the indebtedness and
obligations  represented hereby immedi-ately due and payable irrespective of the
maturity date specified in this Note.  Any consent by Payee to the trans-fer may
be  predicated  upon  any  terms,  conditions  and covenants deemed advisable or
necessary  in the sole option of Payee, including, but not limited to, the right
to  require  of  the  transferee  assumption  of  personal liability on the debt
represented  by this Note, to approve the form and substance of all transfer and
assumption  documents,  and  to  change  the interest rate, date of maturity and
monthly payments of the debt represented by this Note, and may be conditioned on
the  receipt  of  a  fee based on a percentage of the original sum of this Note.
The  granting  of  permission  for  a  transferee  to  assume  the existing loan
agreement,  security  agreement  and  other  related  documents shall not in any
manner  be  deemed  a consent to any subsequent transfer, and Payee shall retain
the  right  of consent to such transfer or transfers on the terms and conditions
stated  above.  Consent,  whether  expressed or implied, to one such transaction
shall  not  be  deemed to be a waiver of the right of such consent to further or
successive transactions.  Any por-tion of this covenant which may be held by any
court  of  competent jurisdiction to be un-enforceable shall be deemed severable
and  the  balance  of this covenant shall be fully enforceable.  Consent to such
sale  or  transfer or to any subsequent sale or trans-fer shall not be deemed to
constitute consent to any subse-quent sale or transfer or a waiver of any rights
of  Payee  not  to  so  consent.

     DATED:  October  23,  2002

                                              Superior  Insurance  Group,  Inc.



                                                By:     s/  Douglas  H.  Symons
                                                        -----------------------
                                                Douglas  H.  Symons,  President





<PAGE>


                                  EXHIBIT 99.1

                      CERTIFICATION PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

I,  Douglas  H.  Symons,  Chief Executive Officer of Symons International Group,
Inc. (the "Company"), certify, pursuant to Section 906 of the Sarbanes-Oxley Act
of  2002,  18  U.S.C.  Section  1350,  that  to  the  best  of  my  knowledge:

(1)the  Quarterly  Report  on  Form  10-Q and Form 10-Q/A of the Company for the
quarterly period ended September 30, 2002 (the "Report") fully complies with the
requirements  of  Section  13(a) or 15(d) of the Securities Exchange Act of 1934
(15  U.S.C.  78m  or  78o(d));  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:  November  19,  2002                        By:  /s/  Douglas  H.  Symons
                                                        ------------------------
                                                             Douglas  H.  Symons
                                                       Chief  Executive  Officer

<PAGE>
                                  EXHIBIT 99.2

                      CERTIFICATION PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

I,  Bruce  K. Dwyer, Chief Financial Officer of Symons International Group, Inc.
(the  "Company"),  certify, pursuant to Section 906 of the Sarbanes-Oxley Act of
2002,  18  U.S.C.  Section  1350,  that  to  the  best  of  my  knowledge:

(1)the Quarterly Report on Form 10-Q and 10-Q/A of the Company for the quarterly
period  ended  September  30,  2002  (the  "Report")  fully  complies  with  the
requirements  of  Section  13(a) or 15(d) of the Securities Exchange Act of 1934
(15  U.S.C.  78m  or  78o(d));  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:  November  19,  2002                           By:  /s/  Bruce  K.  Dwyer
                                                           ---------------------
                                                                Bruce  K.  Dwyer
                                                       Chief  Financial  Officer