|Exhibit 99.1


CERTIFICATION


I, John R. Byers, certify that:
|--------------------------------------------------------------

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

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

| | 3) | Based
on my knowledge, the financial statements, and other financial information
               included in this 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 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 15-d-14), for the registrant and
have:
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a. | Designed
such disclosure controls and procedures to ensure that material
               information relating to the registration 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 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
annual                report (the Evaluation Date); and
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | c. | Presented
in this 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
               that 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
               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.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

March 27, 2003

| |  | /s/   John R. Byers
John R. ByersPresident and Chief
Executive Officer
| |  | ------------------------------------------------------------------------------------

|120
|---