United States
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  FORM 10-K / A

(Mark One)
[x]      Annual Report Pursuant to Section 13 or 15(d) of the Securities
         Exchange Act of 1934
         For the fiscal year ended December 31, 2002
         or
[ ]      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 1-11983

                           FPIC Insurance Group, Inc.
             (Exact Name of Registrant as Specified in its Charter)

             Florida                                     59-3359111
--------------------------------                  --------------------------
(State or Other Jurisdiction of                        (IRS Employer
Incorporation or Organization)                       Identification No.)

            225 Water Street, Suite 1400, Jacksonville, Florida 32202
            ---------------------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)

                                 (904) 354-2482
            ----------------------------------------------------------
              (Registrant's Telephone Number, Including Area Code)

                                  www.fpic.com
            ----------------------------------------------------------
                         (Registrant's Internet Address)

Securities registered pursuant to Section 12(b) of the Act:    None
Securities registered pursuant to Section 12(g) of the Act:    Common Stock,
                                                               $.10 par value

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

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ]

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

The aggregate market value of the Registrant's voting and non-voting common
equity held by non-affiliates computed by reference to the price at which the
common equity was last sold, or the average bid and asked price of such common
equity, as of June 30, 2002 was $139,120,725.

As of March 20, 2003, there were 9,415,548 shares of the Registrant's Common
Stock, $.10 Par Value, outstanding.


<PAGE>

                       DOCUMENTS INCORPORATED BY REFERENCE
            Document                                  Incorporated in
-------------------------------              -----------------------------------
Proxy Statement for Registrant's                         Part III
Annual Shareholders' Meeting to
be held on June 4, 2003
<PAGE>

                                     Part IV

Item 15.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K
This amendment to Form 10-K is being filed for the purpose of submitting to the
Securities and Exchange Commission (the "Commission") by EDGAR as Exhibits 99.3
and 99.4 the written statements of the Chief Executive Officer and Chief
Financial Officer of FPIC Insurance Group, Inc. required by Section 906 of the
Sarbanes-Oxley Act (18 U.S.C. Section 1850). This amendment is being filed for
the purpose of making these signed statements, which were previously filed in
paper form with the Commission, available by EDGAR.

There are no changes to any other portion of FPIC's Form 10-K for the year ended
December 31, 2002 other than to this Item 15. Pursuant to Rule 12b-15 under the
Securities Exchange Act of 1934, this amendment sets forth Item 15 in full
below.

FPIC's financial statements and schedules listed below are included in Item 8.
Financial Statements and Supplementary Data, beginning on page 40 of its Form
10-K filed on March 28, 2003.

(a) 1. Financial Statements:
       --------------------

       FPIC Insurance Group, Inc.:
       o  Report of Independent Certified Public Accountants
       o  Consolidated Statements of Financial Position as of December 31, 2002
          and 2001
       o  Consolidated Statements of (Loss) Income and Comprehensive
          (Loss) Income for the years ended December 31, 2002, 2001 and
          2000
       o  Consolidated Statements of Changes in Shareholders' Equity for the
          years ended December 31, 2002, 2001 and 2000
       o  Consolidated Statements of Cash Flows for the years ended
          December 31, 2002, 2001 and 2000
       o  Notes to the Consolidated Financial Statements

    2. Financial Statement Schedules:
       -----------------------------
       All Financial Statement Schedules listed below are hereby
       incorporated by reference to the Company's Form 10K filed with the
       Securities Exchange Commission on March 28, 2003.

       (Schedules other than those listed are omitted for the reason that
       they are not required or are not applicable or the required
       information is shown in the financial statements or notes thereto.)

       I    Summary of Investments - Other than Investments in Related Parties
       II   Condensed Financial Information of Registrant
       III  Supplementary Insurance Information
       IV   Reinsurance
       V    Valuation and Qualifying Accounts

    3. Exhibits:
       --------

       3.1        Restated Articles of Incorporation of FPIC Insurance Group,
                  Inc., incorporated by reference to FPIC's Form 10-Q
                  (Commission File No. 1-11983) filed on August 16, 1999.
       3.2        Amended and Restated Bylaws of FPIC Insurance Group, Inc.
                  dated July 20, 2002, incorporated by reference to FPIC's Form
                  10-Q (Commission File No. 1-11983) filed on August 13, 2002.
       10(a)*     Form of Employment Agreement dated December 30, 1992,
                  amended November 4, 1995, and amended February 28, 1996
                  and extended on November 7, 1998, between FPIC and William
                  R. Russell, incorporated by reference to FPIC's
                  Registration Statement on Form S-4 (Registration No.
                  333-02040) first filed on March 7, 1996 and FPIC's Form
                  10-Q, incorporated by reference to FPIC's definitive proxy
                  statement (Commission File No. 1-11983) filed on May 7,
                  1999.

                                       2
<PAGE>

       10(b)*     Form of Severance Agreements dated February 28, 1996,
                  between FPIC and William R. Russell, incorporated by
                  reference to FPIC's Registration Statement on Form S-4
                  (Registration No. 333-02040) first filed on March 7, 1996.
       10(c)*     Form of Indemnity Agreement dated February 28, 1996 between
                  the Registrant and Drs. Acosta-Rua, Gause, Shapiro, Selander,
                  White, Bagby, Baratta, Murray, Bridges, Hagen, Van Eldik,
                  Yonge; Messrs. Russell, Rosenbloom, Sabia, Carey, Driscoll and
                  Ms. Whitter, incorporated by reference to FPIC's Registration
                  Statement on Form S-4 (Registration No. 333-02040) first filed
                  on March 7, 1996.
       10(d)*     Omnibus Incentive Plan, as amended, incorporated by reference
                  to FPIC's definitive proxy statement (Commission File No.
                  1-11983) filed on April 30, 2002.
       10(e)*     Director Stock Option Plan, as amended, incorporated by
                  reference to FPIC's definitive proxy statement (Commission
                  File No. 1-11983) filed on April 30, 2002.
       10(f)*     Supplemental Executive Retirement Plan, as amended,
                  incorporated by reference to FPIC's Form 10-Q (Commission File
                  No. 1-11983) filed on May 17, 1999.
       10(g)*     Excess Benefit Plan, incorporated by reference to FPIC's
                  Registration Statement on Form S-4 (Registration No.
                  333-02040) first filed on March 7, 1996.
       10(h)*     Deferred Compensation Plan, incorporated by reference to
                  FPIC's Registration Statement on Form S-1 (Registration No.
                  333-04585) first filed on May 24, 1996.
       10(i)      Agreement and Plan of Merger dated as of April 14, 1998
                  among FPIC, Anesthesiologists Professional Assurance
                  Association, Inc., the APAA Liquidating Trust and
                  Anesthesiologists Professional Assurance Company,
                  incorporated by reference to FPIC's filing on Form 10-K
                  (Commission File No. 1-11983) filed on March 31, 1999.
       10(j)      Stock Purchase Agreement dated as of November 25, 1998 and
                  First Amendment to Stock Purchase Agreement dated as of
                  December 23, 1998 among FPIC and the Shareholders of
                  Administrators For the Professions, Inc., incorporated by
                  reference to FPIC's filing on Form 8-K, first filed on
                  January 21, 1999.
       10(k)      Agreement and Plan of Merger dated as of October 2, 1998
                  and First Amendment to Agreement and Plan of Merger dated
                  as of January 1999 and Second Amendment to Agreement and
                  Plan of Merger dated as of March 17, 1999 among First
                  Professionals Insurance Company, Inc., TGI Acquisition
                  Corporation and Tenere Group, Inc., incorporated by
                  reference to FPIC's filing on Form 10-K (Commission File
                  No. 1-11983) filed on March 31, 1999.
       10(l)*     Form of Severance Agreement dated January 1, 1999 between
                  the Registrant and John R. Byers incorporated by reference
                  to FPIC's Form 10-Q (Commission File No. 1-11983) filed on
                  May 17, 1999.
       10(l)(1)*  Form of Amendment to Severance Agreement between the
                  Registrant and John R. Byers dated December 14, 2001,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(m)*     Form of Employment Agreement dated January 1, 1999 between
                  the Registrant and John R. Byers incorporated by reference
                  to FPIC's Form 10-Q (Commission File No. 1-11983) filed on
                  May 17, 1999.
       10(m)(1)*  Form of Amendment to Employment Agreement between the
                  Registrant and John R. Byers dated December 14, 2001,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(n)*     Form of Employment Agreement dated November 22, 1999
                  between the Registrant and Kim D. Thorpe incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2000.
       10(n)(1)*  Form of Amendment to Employment Agreement between the
                  Registrant and Kim D. Thorpe dated December 14, 2001,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(o)*     Form of Severance Agreement dated November 22, 1999
                  between the Registrant and Kim D. Thorpe incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2000.

                                       3
<PAGE>

       10(o)(1)*  Form of Amendment to Severance Agreement between the
                  Registrant and Kim D. Thorpe dated December 14, 2001,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(p)*     Form of Indemnity Agreements dated January 1, 1999 between
                  the Registrant and Frank Moya, M.D. and John R. Byers
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 30, 2000.
       10(q)*     Form of Indemnity Agreements dated May 8, 1999 between the
                  Registrant and Ms. Deyo, Parks and Ryan incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2000.
       10(r)*     Form of Indemnity Agreement dated August 22, 1999 between
                  the Registrant and Steven Coniglio incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2000.
       10(s)*     Form of Indemnity Agreements dated November 6, 1999
                  between the Registrant and Messrs. Cetin and Thorpe
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 30, 2000.
       10(t)      Reinsurance agreement between Physicians' Reciprocal
                  Insurers and First Professionals Insurance Company, Inc.
                  incorporated by reference to FPIC's Form 10-Q (Commission
                  File No. 1-11983) filed on May 15, 2000.
       10(u)*     Form of Employment Agreement dated November 6, 1999
                  between the Registrant and Kurt Cetin, incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.
       10(u)(1)*  Form of Amendment to Employment Agreement between the
                  Registrant and Kurt Cetin dated December 14, 2001,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(v)*     Form of Employment Agreement dated May 1, 2000 between the
                  Registrant and David L. Rader, incorporated by reference
                  to FPIC's Form 10-K (Commission File No. 1-11983) filed on
                  March 30, 2001.
       10(v)(1)*  Form of Amendment to Employment Agreement between the
                  Registrant and David L. Rader dated December 16, 2000,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(w)*     Form of Employment Agreement dated May 1, 2000 between the
                  Registrant and Gary M. Dallero, incorporated by reference
                  to FPIC's Form 10-K (Commission File No. 1-11983) filed on
                  March 30, 2001.
       10(w)(1)*  Form of Amendment to Employment Agreement between the
                  Registrant and Gary M. Dallero dated December 16, 2000,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 27, 2002.
       10(x)*     Form of Severance Agreement dated June 19, 2000 between
                  the Registrant and Charles Divita, III, incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.
       10(y)*     Form of Indemnity Agreement dated July 15, 2000 between
                  the Registrant and Messrs. Dallero and Divita,
                  incorporated by reference to FPIC's Form 10-K (Commission
                  File No. 1-11983) filed on March 30, 2001.
       10(z)*     Form of Indemnity Agreement dated December 16, 2000
                  between the Registrant and Roberta G. Cown, incorporated
                  by reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.
       10(aa)*    Form of Severance Agreement dated December 16, 2000
                  between the Registrant and Roberta G. Cown, incorporated
                  by reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.
       10(bb)*    Form of Severance Agreement dated December 22, 2000
                  between the Registrant and Pamela D. Deyo, incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.
       10(cc)     Waiver and Modification Agreement dated as of March 30,
                  2001, by and among FPIC Insurance Group, Inc., and The
                  Banks Listed Herein, and SunTrust Bank, as Issuing Bank,
                  Administrative Agent and as Collateral Agent, incorporated
                  by reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 30, 2001.

                                       4
<PAGE>

       10(dd)     Revolving Credit and Term Loan Agreement dated August 31,
                  2001 among FPIC Insurance Group, Inc., as Borrower, the
                  Lenders named therein, and SunTrust Bank, as
                  Administrative Agent and Collateral Agent, incorporated by
                  reference to FPIC's Form 8-K (Commission File No. 1-11983)
                  filed on September 6, 2001 as Exhibit 10(ff).
       10(ee)     International Swap Dealers Association, Inc. Master
                  Agreement dated June 15, 1998 between FPIC Insurance
                  Group, Inc. and SunTrust Bank, Atlanta, as amended by the
                  Confirmations of Interest Rate Transactions dated August
                  29, 2001, incorporated by reference to FPIC's Form 8-K
                  (Commission File No. 1-11983) filed on September 6, 2001
                  as Exhibit 10(gg).
       10(ff)*    Form of Indemnity Agreement dated June 6, 2001 between the
                  Registrant and John K. Anderson, Jr., incorporated by
                  reference to FPIC's Form 10-K (Commission File No. 1-11983)
                  filed on March 27, 2002.
       10(gg)*    Form of Indemnity Agreement dated June 6, 2001 between the
                  Registrant and M.C. Harden, III, incorporated by reference
                  to FPIC's Form 10-K (Commission File No. 1-11983) filed on
                  March 27, 2002.
       10(hh)*    Form of Indemnity Agreement dated July 14, 2001 between
                  the Registrant and Gene C. Witherspoon, incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 27, 2002.
       10(ii)*    Form of Indemnity Agreement dated September 18, 2001
                  between the Registrant and Lori A. Mackey, incorporated by
                  reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 27, 2002.
       10(jj)*    Form of Employment Agreement dated December 14, 2001
                  between the Registrant and Roberta G. Cown, incorporated
                  by reference to FPIC's Form 10-K (Commission File No.
                  1-11983) filed on March 27, 2002.
       10(kk)     Amendment No. 1 to Revolving Credit and Term Loan
                  Agreement dated March 25, 2002, incorporated by reference
                  to FPIC's Form 10-K (Commission File No. 1-11983) filed on
                  March 27, 2002.
       10(ll)     First Professionals Insurance Company, Inc. Net Account
                  Quota Share Reinsurance Agreement dated August 1, 2002,
                  incorporated by reference to FPIC's Form 8-K filed on
                  August 7, 2002.
       10(mm)*    Form of employment agreement dated January 1, 1999 between
                  the Administrators for the Professions, Inc. and Anthony
                  Bonomo, as amended, incorporated by reference to FPIC's
                  Form 10-Q (Commission File No. 1-11983) filed on August
                  13, 2002.
       10(nn)*    Consulting Agreement dated as of November 1, 2002 between
                  FPIC Insurance Group, Inc. and David L. Rader,
                  incorporated by reference to FPIC's Form 8-K filed on
                  October 15, 2002.
       10(oo)     Forbearance of covenant violation dated October 24, 2002
                  on behalf of FPIC Insurance Group, Inc. pursuant to the
                  terms and conditions of Section 5.12 of the Revolving
                  Credit and Term Loan Agreement dated as of August 31, 2001
                  by and among FPIC Insurance Group, Inc., as Borrower, and
                  several banks and financial institutions, as Lenders, as
                  amended by Amendment No. 1 dated as of March 25, 2002,
                  incorporated by reference to FPIC's Form 8-K filed on
                  October 29, 2002.
       10(pp)     Amendment of the Management Agreement between AFP and PRI
                  dated January 1, 1999, incorporated by reference to FPIC's
                  Form 10-Q (Commission File No. 1-11983) filed on November
                  13, 2002.
       10(qq)     Collateral Assignment Of Certificate Of Deposit dated
                  November 13, 2002, incorporated by reference to FPIC's
                  Form 10-Q (Commission File No. 1-11983) filed on November
                  13, 2002.
       10(rr)     Amendment No. 2 to the Revolving Credit and Term Loan
                  Agreement entered into as of November 21, 2002, by and
                  among FPIC, the several banks and other financial
                  institutions from time to time party thereto (the
                  "Lenders"), SunTrust Bank, in its capacity as
                  Administrative Agent for the Lenders and in its capacity
                  as Collateral Agent for the Lenders and joined by certain
                  subsidiaries of the Borrower as Subsidiary Guarantors,
                  incorporated by reference to FPIC's Form 8-K filed on
                  November 22, 2002.

                                       5
<PAGE>

       10(ss)     Form of Assignment Agreement dated January 1, 2003 between
                  Anthony Bonomo, FPIC Insurance Group, Inc. and Physicians'
                  Reciprocal Insurers, incorporated by reference to Form
                  10-K for the year ended December 31, 2002, filed on March
                  28, 2003.
       10(tt)     FPIC Insurance Group, Inc. Medical Malpractice Liability
                  Excess of Loss Reinsurance Agreement effective January 1,
                  2003 to January 1, 2004, incorporated by reference to Form
                  10-K for the year ended December 31, 2002, filed on March
                  28, 2003.
       10(uu)     Form of Second Amendment to the Management Agreement
                  effective January 1, 2002 among Anesthesiologists
                  Professional Assurance Company, APA Management, Inc. and
                  FPIC Insurance Group, Inc., incorporated by reference to
                  Form 10-K for the year ended December 31, 2002, filed on
                  March 28, 2003.
       21         Subsidiaries of the Registrant, incorporated by reference to
                  Form 10-K for the year ended December 31, 2002, filed on
                  March 28, 2003
       23         Consent of PricewaterhouseCoopers LLP, incorporated by
                  reference to Form 10-K for the year ended December 31,
                  2002, filed on March 28, 2003.
       99.1       Certification of John R. Byers pursuant to Section 302 of
                  the Sarbanes-Oxley Act of 2002, incorporated by reference
                  to Form 10-K for the year ended December 31, 2002, filed
                  on March 28, 2003.
       99.2       Certification of Kim D. Thorpe pursuant to Section 302 of
                  the Sarbanes-Oxley Act of 2002, incorporated by reference
                  to Form 10-K for the year ended December 31, 2002, filed
                  on March 28, 2003.
       99.3       Certification of John R. Byers pursuant to 18 U.S.C. Section
                  1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley
                  Act of 2002.
       99.4       Certification of Kim D. Thorpe pursuant to 18 U.S.C. Section
                  1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley
                  Act of 2002.

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

      *         Management contract or compensatory plan or arrangement.


(b)    Reports on Form 8-K:
       -------------------
       o   On October 14, 2002, FPIC filed a Form 8-K with the Securities
           Exchange Commission ("SEC") announcing that FPIC had entered into a
           consulting agreement with David L. Rader, whereby Mr. Rader will
           provide consulting services to FPIC, effective November 1, 2002. Mr.
           Rader retired from his position as President and Chief Executive
           Officer of First Professionals effective October 31, 2002. Mr. Robert
           E. White, Jr., who served as Executive Vice President and Chief
           Operating Officer of First Professionals, became President of First
           Professionals effective November 1, 2002.

       o   On October 29, 2002, FPIC filed a Form 8-K notifying the SEC that
           A.M. Best Company had announced its decision to change FPIC's group
           rating from A- (Excellent) with a negative outlook to B++ (Very Good)
           with a stable outlook. As a result of the rating change, FPIC was in
           non-compliance with its loan agreement. As a result of such
           non-compliance, FPIC requested and received from its Lenders a
           forbearance dated October 24, 2002 under which the Lenders agreed not
           to take any action with regard to this covenant violation for a
           30-day period, until November 23, 2002, to allow adequate time for
           FPIC and its Lenders to agree and finalize appropriate revisions to
           the Loan Agreement.

       o   On November 21, 2002, FPIC filed a Form 8-K notifying the SEC that
           FPIC had reached an agreement with its lenders regarding an amendment
           to its Revolving Credit and Term Loan Agreement dated August 31,
           2001, as amended.

                                       6
<PAGE>

SIGNATURES
Pursuant to the requirements of Sections 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this Form 10-K/A to be signed on its
behalf by the undersigned, thereunto duly authorized, on this the 5th day of
June, 2003.
                                        FPIC Insurance Group, Inc.
                                        By          /s/ Kim D. Thorpe
                                            ------------------------------------
                                               Kim D. Thorpe
                                             Executive Vice President and
                                             Chief Financial Officer


                                       7
<PAGE>

                                  CERTIFICATION

I, John R. Byers, certify that:

1)   I have reviewed this amended annual report on Form 10-K/A of FPIC Insurance
     Group, Inc.;

2)   Based on my knowledge, this amended annual 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 amended annual report;

3)   Based on my knowledge, the financial statements, and other financial
     information included in this amended annual 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
     amended annual report;

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-14 and 15d-14), for the registrant and 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 amended annual
          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 amended annual report (the "Evaluation Date"); and

     c)   Presented in this amended annual 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 officer 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 officer and I have indicated in this
     amended annual 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.


June 5, 2003
                                               /s/ John R. Byers
                                       -----------------------------------------
                                       President and Chief Executive Officer


                                       8
<PAGE>

                                 CERTIFICATION

I, Kim D. Thorpe, certify that:

1)   I have reviewed this amended annual report on Form 10-K/A of FPIC Insurance
     Group, Inc.;

2)   Based on my knowledge, this amended annual 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 amended annual report;

3)   Based on my knowledge, the financial statements, and other financial
     information included in this amended annual 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
     amended annual report;

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-14 and 15d-14), for the registrant and 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 amended annual
          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 amended annual report (the "Evaluation Date"); and

     c)   Presented in this amended annual 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 officer 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 officer and I have indicated in this
     amended annual 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.

June 5, 2003
                                            /s/ Kim D. Thorpe
                                       ---------------------------------------
                                       Executive Vice President and
                                       Chief Financial Officer


                                       9