|Exhibit 31.2


Certification



I, Kim D. Thorpe, Executive Vice President and Chief
Financial Officer of FPIC Insurance Group, Inc., certify that:
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|1. | I
have reviewed this Annual Report on Form 10-K of FPIC Insurance Group, Inc.;
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|2. | Based
on my knowledge, this 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 report;
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|3. | Based
on my knowledge, the financial statements, and other financial information included in
this 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 report;
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|4. | The
registrants other certifying officer and I are responsible for establishing and
maintaining disclosure controls and      procedures (as defined in Exchange Act Rules
13a-15(e) and 15d-15(e)) for the registrant and have:
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| | (a) | Designed
such disclosure controls and procedures, or caused such disclosure controls and
procedures to be designed under      our supervision, 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
report is being      prepared;
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| | (b) | Evaluated
the effectiveness of the registrants disclosure controls and procedures and presented in
this report our      conclusions about the effectiveness of the disclosure controls and
procedures, as of the end of the period covered by      this report based on such
evaluation; and
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| | (c) | Disclosed
in this report any change in the registrants internal control over financial reporting
that occurred during the registrants most recent fiscal quarter
(the registrants fourth fiscal quarter in the case of an annual report)
that has materially
affected, or is reasonably likely to materially affect, the      registrants internal
control over financial reporting; and
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|5. | The
registrants other certifying officer and I have disclosed, based on our most recent
evaluation of internal control over      financial reporting, to the registrants
auditors and the audit committee of the registrants board of directors (or persons
     performing the equivalent functions):
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| | (a) | All
significant deficiencies and material weaknesses in the design or operation of internal
control over financial      reporting which are reasonably likely to adversely affect the
registrants ability to record, process, summarize and      report financial information;
and
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| | (b) | Any
fraud, whether or not material, that involves management or other employees who have a
significant role in the      registrants internal control over financial reporting.
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|March 15, 2004 | /s/ Kim D. Thorpe
Executive Vice President and
Chief Financial Officer
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