UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 11-K

                                  ANNUAL REPORT
                        PURSUANT TO SECTION 15 (d) OF THE
                       SECURITIES AND EXCHANGE ACT OF 1934


    X    ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES
         EXCHANGE ACT OF 1934

                  For the fiscal year ended December 31, 2000

                                       OR

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

                  For the transition period from ______ to ______.


                         Commission file number 0-19239

           LAW COMPANIES GROUP, INC. 401(k) SAVINGS PLAN (the "Plan")
                            (Full title of the Plan)


                                LAW GIBB GROUP, INC.
           1105 Sanctuary Parkway, Suite 300, Alpharetta, Georgia 30004
         (Name of issuer of the securities held pursuant to the Plan and
                 the address of its principal executive office)













                              REQUIRED INFORMATION

     Audited  financial  statements  and  supplemental  schedule  for  the  Plan
prepared in accordance with the financial reporting requirements of the Employee
Retirement Income Security Act of 1974, as amended,  are filed herein in lieu of
an audited statement of financial  condition and statement of income and changes
in plan equity.

Financial Statements and Exhibits

A) The following  financial  statements and schedule are being filed pursuant to
the Required Information to Form 11-K:

     1) Statements of Net Assets  Available for Benefits - December 31, 2000 and
        1999

     2) Statement of Changes in Net Assets  Available  for Benefits - Year Ended
        December 31, 2000

     3) Schedule

          a) Schedule of Assets (Held at End of Year) - December 31, 2000

B) The following exhibit is filed as part of this annual report

          Exhibit 23 Consent of Independent Auditors


<PAGE>



             AUDITED FINANCIAL STATEMENTS AND SUPPLEMENTAL SCHEDULE
                 Law Companies Group, Inc. 401(k) Savings Plan
          December 31, 2000 and 1999 and year ended December 31, 2000
                      with Report of Independent Auditors







                            Law Companies Group, Inc.
                               401(k) Savings Plan

             Audited Financial Statements and Supplemental Schedule

          December 31, 2000 and 1999 and year ended December 31, 2000




                                    Contents

Report of Independent Auditors.................................................1

Audited Financial Statements

Statements of Net Assets Available for Benefits................................2
Statement of Changes in Net Assets Available for Benefits......................3
Notes to Financial Statements..................................................4


Supplemental Schedule

Schedule of Assets (Held at End of Year)......................................10



<PAGE>

                         Report of Independent Auditors

Plan Administrator
Law Companies Group, Inc. 401(k) Savings Plan

We have audited the accompanying statements of net assets available for benefits
of Law Companies  Group,  Inc.  401(k)  Savings Plan as of December 31, 2000 and
1999, and the related  statement of changes in net assets available for benefits
for the year  ended  December  31,  2000.  These  financial  statements  are the
responsibility  of the Plan's  management.  Our  responsibility is to express an
opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the United States. Those standards require that we plan and perform the audit
to obtain reasonable  assurance about whether the financial  statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting  the amounts and  disclosures in the financial  statements.  An audit
also includes assessing the accounting principles used and significant estimates
made by  management,  as well as  evaluating  the  overall  financial  statement
presentation.  We believe  that our audits  provide a  reasonable  basis for our
opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all  material  respects,  the net assets  available  for benefits of the Plan at
December  31,  2000 and 1999,  and the changes in its net assets  available  for
benefits for the year ended  December 31, 2000,  in conformity  with  accounting
principles generally accepted in the United States.

Our audits were performed for the purpose of forming an opinion on the financial
statements taken as a whole. The  accompanying  supplemental  schedule of Assets
Held  at End of Year as of  December  31,  2000 is  presented  for  purposes  of
additional  analysis and is not a required part of the financial  statements but
is  supplementary  information  required by the  Department of Labor's Rules and
Regulations for Reporting and Disclosure  under the Employee  Retirement  Income
Security Act of 1974. This  supplemental  schedule is the  responsibility of the
Plan's management.  The supplemental schedule has been subjected to the auditing
procedures  applied  in our  audits  of the  financial  statements  and,  in our
opinion,  is fairly stated in all material respects in relation to the financial
statements taken as a whole.

                                                     /s/ Ernst & Young LLP

Atlanta, Georgia
June 12, 2001

1

<PAGE>


                            Law Companies Group, Inc.
                               401(k) Savings Plan

                 Statements of Net Assets Available for Benefits


                                                        December 31
                                                 2000                  1999
                                             -----------           -----------

Assets
Investments at contract value                $20,440,543           $19,361,174
Investments, at fair value                    32,807,379            35,107,261
Contributions receivable:
   Employer                                            -                42,935
   Participants                                        -               170,600
                                             -----------           -----------
Total receivables                                      -               213,535
                                             -----------           -----------
Net assets available for benefits            $53,247,922           $54,681,970
                                             ===========           ===========



See accompanying notes.


2

<PAGE>


                            Law Companies Group, Inc.
                               401(k) Savings Plan

            Statement of Changes in Net Assets Available for Benefits

                          Year ended December 31, 2000


Additions to net assets attributed to:
   Participant contributions                                   $     5,552,176
   Employer contributions                                              916,200
   Investment income                                                 1,440,891
                                                               ----------------
                                                                     7,909,267
Deductions from net assets attributed to:
   Distributions to participants                                     7,842,518
   Administrative expenses                                             107,608
                                                               ----------------
                                                                     7,950,126

Net realized and unrealized depreciation in fair value
   of investments                                                   (1,393,189)
                                                               ----------------
Net decrease                                                        (1,434,048)

Net assets available for benefits at beginning of year              54,681,970
                                                               ----------------
Net assets available for benefits at end of year                   $53,247,922
                                                               ================



See accompanying notes.

3

<PAGE>


                            Law Companies Group, Inc.
                               401(k) Savings Plan

                          Notes to Financial Statements

                                December 31, 2000


1. Description of Plan

The Law  Companies  Group,  Inc.  401(k)  Savings Plan (the "Plan") is a defined
contribution plan sponsored by LawGibb Group, Inc. (the "Company").

The  following  description  of the  Plan  provides  only  general  information.
Participants  should refer to the Summary  Plan  Description  for Law  Companies
Group,  Inc.  401(k) Savings Plan for a more complete  description of the Plan's
provisions. Copies of this booklet are available from the plan administrator.

General

The Plan  covers  substantially  all U.S.  employees  of the Company who are age
twenty-one  or older.  The Plan is subject  to the  provisions  of the  Employee
Retirement Income Security Act of 1974, as amended (ERISA).

Contributions

Each year,  participants may contribute up to the lesser of 20% of their pre-tax
annual  compensation,  as defined by the Plan,  or the maximum  allowable by the
Internal Revenue Service.  Participants may also contribute amounts representing
distributions  from other  qualified  defined  benefit  or defined  contribution
plans.

The Company matches 100% of contributions  from  participants on the first 1% of
the participant's  compensation,  and 50% of contributions  from participants on
the next 2% of the participant's compensation. All contributions are remitted to
the Plan bi-weekly.

4

<PAGE>



                            Law Companies Group, Inc.
                               401(k) Savings Plan

                    Notes to Financial Statements (continued)


1. Description of Plan (continued)

Participant Accounts

Each  participant's  account is credited with the  participant's  contributions,
rollovers  and  allocations  of (a) the  Company's  contributions  and (b)  Plan
earnings and losses.  Investment results are allocated to participant's accounts
based upon relative balances of the individual accounts on the valuation date as
defined by the Plan. Forfeited balances of terminated  participants'  non-vested
accounts are applied to future  employer  contributions  and used to offset Plan
expenses. Forfeitures in 2000 approximated $190,000 and were applied to employer
contributions.

Vesting

Participants  are  immediately  vested  in  their  contributions  plus  earnings
thereon.  Company  contributions  plus earnings thereon vest 100 percent after 5
years of credited service.

Payment of Benefits

The vested value of benefits are payable to a participant  upon  termination  of
service, retirement,  disability, or to the participant's beneficiary upon death
of the  participant  in  either  lump-sum  or  annuity  distributions.  Accounts
allocated to withdrawn  participants for benefit claims that have been processed
and approved for payment prior to year end but not yet paid totaled $188,829 and
$443,290 as of December 31, 2000 and 1999, respectively.

Participant Loans Receivable

A participant  may borrow from his or her fund account a minimum of $1,000 up to
a maximum of the lesser of $50,000 or 50% of his/her vested account balance. The
loans bear interest at the prime rate plus 2% and must be repaid within 5 years.
The  respective  participant's  loan  principal and interest are repaid  ratably
through bi-weekly payroll deductions.

5

<PAGE>


1. Description of Plan (continued)

Administrative Expenses

The Plan pays from the forfeiture account all  administrative  expenses not paid
by the Company.  In 2000, the Company paid certain of the Plan's  administrative
expenses.

2. Summary of Significant Accounting Policies

Basis of Presentation

The  financial  statements  of the Plan are  prepared  on the  accrual  basis of
accounting.

Use of Estimates

The preparation of financial statements in conformity with accounting principles
generally  accepted in the United States  requires  management to make estimates
that affect the amounts  reported in the financial  statements and  accompanying
notes. Actual results could differ from those estimates.

Valuation of Investments

The Plan has a group annuity contract with  Massachusetts  Mutual Life Insurance
Company  (Mass  Mutual).  Mass Mutual  receives  contributions  in exchange  for
participation units in various investment options.

The fair values of the  participation  units owned by the Plan in Mass  Mutual's
separate investment accounts are based on quoted redemption values as determined
by Mass Mutual on the last business day of the plan year.  The investment in the
guaranteed  income  fund is stated at  contract  value,  as  determined  by Mass
Mutual, which represents  contributions made under the contract,  plus interest,
less distributions and administrative expenses.

6

<PAGE>


2. Summary of Significant Accounting Policies (continued)

Valuation of Investments (continued)

Investments in LawGibb Group,  Inc.  Common Stock are stated at fair value based
on a third party appraisal.

3. Investments

During 2000, the Plan's investments (including  investments  purchased,  sold as
well as held during the year)  depreciated in fair value as determined by quoted
market prices for shares of pooled separate  accounts and by estimation  using a
third party appraisal for common stock as follows:

                                                             Net Realized and
                                                                Unrealized
                                                           Depreciation in Fair
                                                           Value of Investments
                                                          ----------------------

Common Stock                                               $      (109,019)
Shares of pooled separate accounts                              (1,284,170)
                                                          ----------------------
                                                           $    (1,393,189)
                                                          ======================


7

<PAGE>


3. Investments (continued)

Investments that represent 5% or more of fair value of the Plan's net assets are
as follows:

                                                           December 31
                                                      2000             1999
                                                  -----------      -----------

Massachusetts Mutual Life Insurance Company:
     Guaranteed Income Fund                       $20,440,543      $19,361,174
     Core Equity Account                            9,659,958       14,953,603
     Balanced Account                               3,057,343        4,129,534
     Indexed Equity Account                                 *        3,014,081
     Contrafund Account                             4,868,575        6,026,736
     Small Cap Equity Account                       3,078,320                *

* Balance is less than 5% of net assets.

4. Investment with Insurance Company

The guaranteed income fund held by the Plan is fully  benefit-responsive  and as
such has been recorded at contract  value.  The average yield for the guaranteed
income  fund for the years ended  December  31, 2000 and 1999 was 6.8% and 7.1%,
respectively. The crediting interest rate was also 6.8% and 7.1% at December 31,
2000 and 1999. At December 31, 2000 and 1999,  the fair values of the investment
accounts approximated $19,892,000 and $20,168,000,  respectively,  as determined
by Mass Mutual. The Plan's intention is to hold the guaranteed income fund until
maturity and to make withdrawals from the accounts to pay benefits in the normal
course of operations of the Plan.


8

<PAGE>


5. Plan Termination

Under  provisions  of the  Plan,  the  Company  reserves  the  right to amend or
terminate the Plan at any time provided that amendments will not divert a vested
interest,  permit any part of the  Plan's  assets to revert to the  Company,  or
permit any part of the Plan's  assets to be used for any purpose  other than for
the  exclusive  benefit  of  participants  or  their  beneficiaries.  Upon  Plan
termination, each participant's account will become fully vested.

6. Income Tax Status

The Plan has received a determination  letter from the Internal  Revenue Service
dated March 5, 1999,  stating that the Plan is qualified under Section 401(a) of
the Internal  Revenue Code (the "Code")  and,  therefore,  the related  trust is
exempt  from  taxation.  Once  qualified,  the Plan is  required  to  operate in
conformity with the Code to maintain its  qualification.  The Plan administrator
believes  the  Plan  is  being  operated  in  compliance   with  the  applicable
requirements of the Code and, therefore, believes that the Plan is qualified and
the related trust is tax exempt.

7. Transactions with Related Party

Effective  May 14,  1996,  the Plan was  amended  to  eliminate  the  ability of
participants  to  invest  in the  Company  common  stock  and to  eliminate  the
Company's matching  contributions in the form of the Company common stock. As of
December  31, 2000 and 1999,  the Plan held 34,485 and 43,300  shares of Company
common  stock  respectively,  with a fair  value  of  $878,728  and  $1,230,604,
respectively.


9

<PAGE>

<TABLE>
<CAPTION>



                            Law Companies Group, Inc.
                               401(k) Savings Plan

                        EIN: 58-0537111 Plan Number: 002
                               Schedule H Line 4i

                    Schedule of Assets (Held at End of Year)

                                December 31, 2000

                      (b)                                                                               (e)
          Identity of Issue, Borrower,                      (c)                         (d)        Current Value
 (a)        Lessor or Similar Party              Description of Investment              Cost
------- --------------------------------- ----------------------------------------- ------------- ----------------
<S>     <C>                               <C>                                       <C>           <C>

     *  Massachusetts Mutual Life         Guaranteed Income Fund, (1) maturing
           Insurance Company                December 31, 2001, 6.8%                                 $20,440,543
     *  Massachusetts Mutual Life
           Insurance Company              Core Equity Account                                         9,659,958
     *  Massachusetts Mutual Life
           Insurance Company              Balanced Account                                            3,057,343
     *  Massachusetts Mutual Life
           Insurance Company              Indexed Equity Account                                      2,338,491
     *  Massachusetts Mutual Life
           Insurance Company              Small Cap Equity Account                                    3,078,320
     *  Massachusetts Mutual Life
           Insurance Company              Core Bond Account                                           1,252,623
     *  LawGibb Group, Inc.               LawGibb Common Stock                                          878,728
     *  Massachusetts Mutual Life
           Insurance Company              Money Market Account                                          155,415
     *  Massachusetts Mutual Life
           Insurance Company              Destiny Aggressive Account                                        229
     *  Massachusetts Mutual Life
           Insurance Company              Growth Equity Account                                       1,789,631
     *  Massachusetts Mutual Life
           Insurance Company              International Equity Account                                  834,812
     *  Massachusetts Mutual Life
           Insurance Company              Mid Cap Growth Account                                      2,139,943
     *  Massachusetts Mutual Life
           Insurance Company              Small Cap Growth Account                                      917,963
     *  Massachusetts Mutual Life
           Insurance Company              Self-Directed Brokerage (see attached)                        220,851
     *  Massachusetts Mutual Life
           Insurance Company              Contrafund Account                                          4,868,575
        Participants                      Loans, rates from 9.75% to 11.50%,
                                            maturing through December 31, 2005                        1,614,497
                                                                                                  ----------------
                                          Total investments                                         $53,247,922
                                                                                                  ================


* Indicates a party-in-interest to the Plan.
(1) Reported at contract value.
Note:  Cost information has not been included because all investments are
participant directed.
</TABLE>

10

<PAGE>


                            Law Companies Group, Inc.
                               401(k) Savings Plan

                        EIN: 58-0537111 Plan Number: 002
                               Schedule H Line 4i

                     Schedule of Assets (Held at End of Year)

                                December 31, 2000

Self-Directed Brokerage

State Street Brokerage                                      Current Value
---------------------------------------------------------  ---------------
SSGA Money Market Fund                                          $  25,694

Common Stocks:
   Allaire Corp                                                     1,509
   AOL                                                              8,874
   Cisco System Inc                                                 6,961
   EMC Corp                                                         2,616
   Emulex Corp                                                      6,650
   Exodus Communications Inc                                        4,000
   Hewlett-Packard Co                                              12,625
   Home Depot Inc                                                   3,883
   Intel Corp                                                      21,495
   Juniper Networks Inc                                             6,177
   Linear Technology Corp                                          13,875
   Microsoft Corp                                                   4,338
   Motorola Inc                                                     5,265
   Network Appliance Corp                                           5,135
   Nokia Corp                                                      10,875
   Nortel Networks Corp                                            11,222
   Oracle Corp                                                     13,195
   Real Networks Inc                                                8,228
   Texas Instruments Inc                                            9,475
   Vertel Corp                                                      2,461
                                                           ---------------
Total Common Stocks                                               158,859

Mutual Funds:
   White Oak Growth Stock                                          20,185
   Rydex OTC Fund                                                  16,113
                                                           ---------------

Total Mutual Funds                                                 36,298

                                                           ---------------

Total Self-Directed Brokerage                                    $220,851
                                                           ===============
11

<PAGE>

                              SIGNATURE

The Plan

Pursuant to the requirements of the Securities and Exchange Act of 1934, the
trustees (or other persons who administer the employee benefit plan) have duly
caused this annual report to be signed on their behalf by the undersigned
hereunto duly authorized.

LAW COMPANIES GROUP, INC.
401(k) SAVINGS PLAN



/s/ R. B. Fooshee
-----------------
Robert B. Fooshee
Member of the Plan Administrative Committee

Dated:  June 28, 2001


12