| **FORM 10-K**UNITED STATES  SECURITIES AND EXCHANGE COMMISSION  Washington, D.C.  20549 |
|----------------------------------------------------------------------------------------------|
| (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, 2005**, 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 **0-2757**                                                       |

| **THE MONARCH CEMENT COMPANY**(Exact name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        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| **Kansas**(State of incorporation) 
** 48-0340590**(IRS employer identification no.)               
**P.O. Box 1000, Humboldt, Kansas 66748-0900**(Address of principal executive offices, including zip  code)

Registrant's telephone number, including area code:  **620-473-2222**Securities registered pursuant to Section 12(b) of the Act:  **None**Securities registered pursuant to Section 12(g) of the Act:    Title of Class:  **Capital Stock, par value $2.50 per share                              Class B Capital Stock, par value $2.50 per share**
Indicate by check mark if the registrant is a well-known  seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes ____   No  XIndicate by check mark if the registrant is not required to  file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes ____   No  X 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 ____   No  X  Indicate by check mark whether the registrant is a large  accelerated filer, an accelerated filer, or a non-accelerated filer.   Large accelerated filer ____  Accelerated filer ____  Non-accelerated filer   XThe aggregate market value of the voting and non-voting  common equity held by non-affiliates computed by reference to the average bid  and ask prices of such common equity as of the last business day of the  registrant's most recently completed second fiscal quarter was $66,319,500.As of March 3, 2006, the registrant had outstanding  2,465,996 shares of Capital Stock, par value $2.50 per share, and 1,560,962  shares of Class B Capital Stock, par value $2.50 per share. 
 DOCUMENTS INCORPORATED BY REFERENCE

Portions of the following documents are incorporated by  reference into the indicated parts of this report: (1) the registrant's annual  report to stockholders for the year ended December 31, 2005 - Parts I, II and  IV of Form 10-K and (2) the registrant's definitive proxy statement prepared  in connection with the annual meeting of stockholders to be held on April 12,  2006 - Parts II and III of Form 10-K.
 
**PART I**

**ITEM 1.     BUSINESS**

  Reference is hereby made to pages 1, 2, 24 and 25 of The Monarch Cement  Company's 2005 annual report to stockholders (filed herewith as Exhibit 13)  for a description of the Company's business, including information regarding  lines of business.  Such information is hereby incorporated herein by  reference.  In addition, we submit the following information:                The  Company did not introduce any new products nor begin to do business in a new  industry segment during 2005.

  The  Company owns and operates quarries located near its Humboldt, Kansas plant.   Such quarries contain all essential raw materials presently used by the  Company.  The Company's total reserves, including these quarries and other  property located near the plant, are estimated to be sufficient to maintain  operations at the Humboldt plant's present capacity for more than 50 years. 

The  Company's products are marketed under registered trademarks using the name  "MONARCH".  The Company's operations are not materially dependent on any  trademarks, franchises, patents or on any licenses relating to the use  thereof.

Portland  cement is the basic material used in the production of ready-mixed concrete  that is used in highway, bridge and building construction.  These construction  activities are seasonal in nature.  During winter months when the ground is  frozen, groundwork preparation cannot be completed.  Cold temperatures affect  concrete set-time, strength and durability, limiting its use in winter  months.  Dry ground conditions are also required for construction activities  to proceed. During the summer, winds and warmer temperatures tend to dry the  ground quicker creating fewer delays in construction projects.  

  Variations in weather conditions from year-to-year significantly affect the  demand for our products during any particular quarter; however, our Company's  highest revenue and earnings historically occur in its second and third fiscal  quarters, April through September.

It is  necessary for the Company to invest a significant portion of its working  capital in inventories.  At December 31, 2005 the Company had inventories as  follows:
Cement 
$              1,868,412Work in process 1,632,780Building products3,457,813Fuel, gypsum and other materials3,317,283Operating and maintenance supplies7,850,617Total$            18,126,905
The  Company is heavily dependent upon the construction industry and is directly  affected by the level of activity in that industry.  However, no customer  accounted for 10% or more of the Company's consolidated net revenue during  2005, 2004 or 2003. 

Backlog  of customers' orders is not a material factor in the Company's business.

1.
 
The  Company has no contracts that are subject to renegotiation of profits or  termination thereof at the election of the government.

The  manufacture and sale of cement and ready‐mixed concrete are extremely  competitive enterprises.  A number of producers, including several nationwide  manufacturers, compete for business with the Company in its market area.  The  Company is not a significant factor in the nationwide portland cement or  ready‐mixed concrete business but does constitute a significant market factor  for cement in its market area.  Cement generally is produced to meet standard  specifications and there is little differentiation between the products sold  by the Company and its competitors.  Accordingly, competition exists primarily  in the areas of price and customer service.

The  Company did not spend a material amount in the last three fiscal years on  Company sponsored research and development.  However, the Company is a member  of the Portland Cement Association which conducts research for the cement  industry.

The  Company has, during the past several years, made substantial capital  expenditures for pollution control equipment.  The Company also incurs normal  operating and maintenance expenditures in connection with its pollution  control equipment.

At  December 31, 2005, the Company and its subsidiaries employed approximately 600  employees including 225 hourly non-union employees, 235 hourly union  employees, and 140 salaried employees, which included plant supervisory  personnel, sales and executive staff.  The Company has a good working  relationship with its employees and has been successful in negotiating  multiyear union contracts without work stoppages. 

All of  the Company's operations and sales are in one geographic area consisting  primarily of the State of Kansas, the State of Iowa, southeast Nebraska,  western Missouri, northwest Arkansas and northern Oklahoma.

**ITEM 1A.  RISK  FACTORS**

  Reference is hereby made to page 9 and 10 of The Monarch Cement Company's 2005  annual report to stockholders (filed herewith as Exhibit 13) for a description  of the Company's market risk. Such information is hereby incorporated herein  by reference.

**ITEM 2.     PROPERTIES**

The Company's corporate offices and cement plant,  including equipment and raw materials are located at Humboldt, Kansas,  approximately 110 miles southwest of Kansas City, Missouri.  The Company owns  approximately 5,000 acres of land on which the Humboldt plant, offices and all  essential raw materials are located.  This plant has a present annual capacity  of 925,000 tons of cement.  The Company believes that this plant and equipment  are suitable and adequate for its current level of operations; however, due to  recent and projected market demands, the Company began updating its equipment  to improve efficiency and increase capacity.  We have previously converted one  of our two preheater kilns to a precalciner kiln.  Conversion of our remaining  preheater kiln into a precalciner kiln is currently underway and should be  completed during the first

2.

quarter of 2006.  The installation of this  equipment should allow the Company to produce in excess of one million tons of  cement per year.  Producing at that level, raw material reserves are estimated  to be sufficient to maintain operations at this plant for more than 50 years.  Reference is hereby made to page 8 of the Company's 2005 annual report to  stockholders (filed herewith as Exhibit 13) for a description of the Company's  capital resources and expansion plans. Such information is hereby incorporated  herein by reference.

The  Company also owns approximately 250 acres of land in Des Moines, Iowa on which  it operates a cement terminal.  The Company transfers cement produced in  Humboldt, Kansas to this terminal for distribution to Iowa customers.  The  Company also owns a rock quarry located near  Earlham, Iowa, approximately 30 miles west of Des Moines, Iowa.  Approximately  300 acres of this 400 acre tract has been quarried and the Company has  contracted with a third party to quarry and sell the remaining rock.  This quarry  operation will not have a material affect on the Company's overall operations.

The  Company owns various companies which sell ready-mixed concrete, concrete  products and sundry building materials in metropolitan areas within the  Humboldt cement plant's primary market.  Various equipment and facility  improvements in this line of business ensure these plants are suitable and  adequate for their current level of operations and provide for increases in  market demand.  Individual locations do not have a material affect on the  Company's overall operations.

**ITEM 3.     LEGAL PROCEEDINGS**

The Company and its subsidiary,  Tulsa Dynaspan, Inc. ("TDI"), are involved in litigation with David G. Markle  ("Markle"), a former director, president and employee of TDI, Richard L.  Evilsizer, a former officer and employee of TDI and certain other former  employees and companies controlled by one or more of such persons (the "Markle  Parties").  Markle and Mr. Evilsizer are also minority shareholders in TDI.   In the litigation TDI is seeking damages based on allegations that one or more  of the Markle Parties have (1) breached their fiduciary duty to TDI, (2)  violated noncompete agreements, (3) improperly used TDI computers in violation  of the Federal Computer Fraud and Abuse Act, (4) improperly used TDI trade  secrets and other proprietary information and (5) made defamatory and  disparaging statements about TDI.  The Markle Parties have alleged that the  Company has defamed them and interfered with contractual relations.  Markle  and Mr. Evilsizer have alleged that the Company, as the majority shareholder  of TDI, has breached its duty to them as minority shareholders.  Certain of  the Markle Parties have made claims against the directors of TDI, as well  as derivative claims against TDI and Monarch.  The litigation also involves  a declaratory judgment as to whether TDI or Markle owns an alleged  invention for a method for the construction of parking garages.

Two actions have been filed in  this litigation.  One was filed on December 28, 2004, in the District Court  for Tulsa County, Oklahoma by Markle against TDI and the Company (the "State  Court Action") .  The other was filed by TDI against the Markle Parties on  April 27, 2005, in the United States District Court for the Northern District  of Oklahoma, but that litigation has been stayed pending judgment in the state  court action.  All of the Markle Parties are now parties in the State Court  Action.  This litigation is in the discovery stage and no trial date has been  set.  The Company and TDI believe that all claims made by the Markle Parties  are without merit and intend to vigorously defend such claims.  TDI intends to  vigorously pursue its claims against the Markle Parties for damages, as well  as its ownership of the alleged invention.  No assurances can be given as to  the outcome of this litigation.

3.

**ITEM 4.     SUBMISSION OF MATTERS TO A VOTE OF  SECURITY HOLDERS**

The  Company did not submit any matter to a vote of security holders, through the  solicitation of proxies or otherwise, during the fourth quarter of 2005.

**PART II**

**ITEM 5.     MARKET FOR REGISTRANT'S  COMMON EQUITY, RELATED STOCKHOLDER                    MATTERS  AND ISSUER PURCHASES OF EQUITY SECURITIES**

  Pursuant to General Instruction G(2) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on page 10 of the Company's 2005 annual report to stockholders.  In  addition we submit the following information:

The  Company's Board of Directors is responsible for determining the amount and  timing of dividend payments.  In recent years, the Company has paid four  dividends per year of $.20 per share.  All dividends are discretionary and are  based on past financial performance and availability of funds.  The Company is  not restricted regarding payment of dividends, but does have a financial  covenant related to net worth.

The  Company does not have any compensation plans or individual compensation  arrangements under which equity securities of the registrant are authorized  for issuance to employees or non-employees.

The  Company did not sell any of its equity securities during 2005 and the Company  did not repurchase any of its equity securities during the fourth quarter of  2005.

**ITEM 6.     SELECTED  FINANCIAL DATA**

  Pursuant to General Instruction G(2) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on page 1 of the Company's 2005 annual report to stockholders.

**ITEM 7.     MANAGEMENT'S  DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND                    RESULTS OF OPERATIONS**

  Pursuant to General Instruction G(2) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on pages 2 through 10 of the Company's 2005 annual report to  stockholders.

4.

**ITEM  7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK**

The  Company is exposed to various market risks, including equity investment  prices. The Company has $13,454,631 of equity securities as of December 31,  2005.  These investments are not hedged and are exposed to the risk of  changing market prices.  The Company classifies these securities as  "available-for-sale" for accounting purposes and marks them to market on the  balance sheet at the end of each period.  Management estimates that its  investments will generally be consistent with trends and movements of the  overall stock market excluding any unusual situations. An immediate 10% change  in the market price of our equity securities would have an $807,000 effect on  comprehensive income.

                 The Company  also has $24,086,995 of bank loans as of December 31, 2005.  Interest rates on  the Company's advancing term loan and line of credit are variable and are  based on the JP Morgan Chase prime rate less .75% and the lender's national  prime rate less 1.00%, respectively.

**ITEM 8.     FINANCIAL  STATEMENTS AND SUPPLEMENTARY DATA**

  Pursuant to General Instruction G(2) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on pages 11 through 26 of the Company's 2005 annual report to  stockholders.

**ITEM 9.     CHANGES IN AND  DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING                   AND  FINANCIAL DISCLOSURE**

  None

**ITEM 9A.   CONTROLS  AND PROCEDURES**

                 The Company  maintains disclosure controls and procedures (as defined in Rules 13a‐5(e) and  15d-15(e) under the Exchange Act) that are designed to ensure that information  required to be disclosed in the Company's reports under the Exchange Act is  recorded, processed, summarized and reported within the time periods specified  in the rules and forms of the Securities and Exchange Commission, and that  such information is accumulated and communicated to the Company's management,  including its President and Chief Financial Officer, as appropriate, to allow  timely decisions regarding required disclosures.  Any controls and procedures,  no matter how well designed and operated, can provide only reasonable  assurance of achieving the desired control objectives.

                 As of the  end of the period covered by this report, an evaluation was carried out by the  Company's management, including its President and Chairman of the Board of  Directors and Chief Financial Officer, of the effectiveness of its disclosure  controls and procedures (as defined in Rule 13a-15(e) under the Securities  Exchange Act of 1934). Based upon that evaluation, the Company's President and  Chairman of the Board of Directors and Chief Financial Officer concluded that  these disclosure controls and procedures were effective as of the end of the  period covered by this report.

5.
 
**ITEM  9B.   OTHER INFORMATION**

There  was no information required to be disclosed, but not reported, in a report on  Form 8‐K during the fourth quarter of 2005.

**PART III**

**ITEM 10.   DIRECTORS  AND  EXECUTIVE OFFICERS OF THE REGISTRANT**

  Pursuant to General Instruction G(3) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on pages 4 through 6, 14 and 15 of the Company's definitive proxy  statement prepared in connection with its 2006 annual meeting of stockholders  pursuant to Regulation 14A and previously filed with the Commission.

**ITEM  11.   EXECUTIVE COMPENSATION**

  Pursuant to General Instruction G(3) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on pages 8 through 12 (except for the information set forth under  the heading "Board of Directors' Report on Executive Compensation" which is  expressly excluded from such incorporation) of the Company's definitive proxy  statement prepared in connection with its 2006 annual meeting of stockholders  pursuant to regulation 14A and previously filed with the Commission.

**ITEM 12.    SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT**

  Pursuant to General Instruction G(3) to Form 10-K, the information required by  this Item is incorporated herein by reference to the material responsive to  this Item on pages 7 and 8 of the Company's definitive proxy statement  prepared in connection with its 2006 annual meeting of stockholders pursuant  to Regulation 14A and previously filed with the Commission.  In addition we  submit the following information:

The  Company does not have any compensation plans or individual compensation  arrangements under which equity securities of the registrant are authorized  for issuance to employees or non-employees.

**ITEM 13.   CERTAIN  RELATIONSHIPS AND RELATED TRANSACTIONS**

Pursuant  to General Instruction G(3) to Form 10-K, the information required by this  Item is incorporated herein by reference to the material responsive to this  Item on page 9 of the Company's definitive proxy statement prepared in  connection with its 2006 annual meeting of stockholders pursuant to Regulation  14A and previously filed with the Commission.

**ITEM  14.   PRINCIPAL ACCOUNTANT FEES AND SERVICES**

                 Pursuant to  General Instruction G(3) to Form 10-K, the information required by this Item  is incorporated herein by reference to the material responsive to this Item on  page 13 of the Company's definitive proxy statement prepared in connection  with its 2006 annual meeting of stockholders pursuant to Regulation 14A and  previously filed with the Commission.

6.

**PART IV**

**ITEM 15.   EXHIBITS  AND FINANCIAL STATEMENT SCHEDULES                      FINANCIAL STATEMENTS**

The  report of Independent Public Accountants‐‐BKD, LLP; the Consolidated Balance  Sheets‐‐December 31, 2005 and 2004; the Consolidated Statements of Income for  the Years Ended December 31, 2005, 2004 and 2003; the Consolidated Statements  of Comprehensive Income for the Years Ended December 31, 2005, 2004 and 2003;  the Consolidated Statements of Stockholders' Investment for the Years Ended  December 31, 2005, 2004 and 2003; the Consolidated Statements of Cash Flows  for the Years Ended December 31, 2005, 2004 and 2003; and the Notes to  Consolidated Financial Statements are incorporated by reference in Item 8 to  this report from the Company's 2005 annual report to stockholders on pages 11  through 26.

**SUPPORTING SCHEDULES**

  Schedule II ‐‐ Valuation and Qualifying Accounts

**EXHIBITS**

  3(i)         Articles of Incorporation.  (Filed with the Company's Annual  Report on Form 10-K for the year ended December 31, 1994 (File No. 0‐2757) as  Exhibit 3(i) and incorporated herein by reference.)

  3(ii)         By‐laws.  (Filed with the Company's Quarterly Report on Form  10-Q for the quarter ended March 31, 2004 (File No. 0-2757) as Exhibit 3(ii)  and incorporated herein by reference.)

  10.1        Loan agreement dated January 1, 2001, between the Bank of  Oklahoma N.A. and The Monarch Cement Company.  (Filed with the Company's  Quarterly Report on Form 10-Q for the quarter ended September 30, 2001 (File  No. 0-2757) as Exhibit 10.1 and incorporated herein by reference.)

  10.1(a)   First amendment to agreement dated January 1, 2001, between the  Bank of Oklahoma N.A. and The Monarch Cement Company.  (Filed with the  Company's Annual Report on Form 10-K for the year ended December 31, 2002  (File No. 0-2757) as Exhibit 10.1(a) and incorporated herein by reference.)

  10.1(b)   Second amendment to agreement dated January 1, 2001, between the  Bank of Oklahoma N.A. and The Monarch Cement Company as amended by first  amendment dated December 31, 2002.  (Filed with the Company's Annual Report on  Form 10-K for the year ended December 31, 2003 (File No. 0-2757) as Exhibit  10.1(b) and incorporated herein by reference.)

7.

  10.1(c)    Third amendment to agreement dated January 1, 2001, between the  Bank of Oklahoma N.A. and The Monarch Cement Company as amended by first  amendment dated December 31, 2002 and second amendment dated December 31, 2003.(Filed with the Company's Annual Report on Form 10-K for the year ended  December 31, 2004 (File No. 0-2757) as Exhibit 10.1(c) and incorporated herein  by reference.)

  10.1(d)   Fourth amendment to agreement dated January 1, 2001, between the  Bank of Oklahoma N.A. and The Monarch Cement Company as amended by first  amendment dated December 31, 2002, second amendment dated December 31, 2003 and third amendment dated  December 31, 2004.

  13           2005 Annual Report to Stockholders.

  21           Subsidiaries of the Registrant.

  31.1        Certificate of the President and Chairman of the Board  pursuant to Section  13a-14(a)/15d-14(a) of the Securities Exchange Act of  1934.

  31.2        Certificate of the Chief Financial Officer pursuant to  Section  13a‐14(a)/15d-14(a) of the Securities Exchange Act of 1934.

  32.1        18 U.S.C. Section 1350 Certificate of the President and Chairman  of the Board dated March 13, 2006.

  32.2        18 U.S.C. Section 1350 Certificate of the Chief Financial Officer  dated March 13, 2006.

 

8. 

**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.

  THE MONARCH CEMENT COMPANY  (Registrant)

  By:     /s/ Walter H. Wulf, Jr.                                        Walter  H. Wulf, Jr.                    President                            

  Date:        March 13, 2006                                      

Pursuant to  the requirements of the Securities Exchange Act of 1934, this report has been  signed below by the following persons on behalf of the registrant and in the  capacities and on the dates indicated.
By:  /s/  Jack R. Callahan                            Jack R.        Callahan          DirectorBy:  /s/ Gayle  C. McMillen                                 Gayle C. McMillen          DirectorDate:        March 13, 2006              Date:        March 13, 2006                By:  /s/  Ronald E. Callaway                                  Ronald E. Callaway          Director By:  /s/ Byron K.  Radcliff                           Byron K. Radcliff          DirectorDate:        March 13, 2006              Date:        March 13, 2006                By:  /s/  David L. Deffner                                        David L. Deffner                         Director By:  /s/ Walter H. Wulf, Jr.                                                 Walter H. Wulf, Jr.                         President, Principal Executive Officer          and DirectorDate:        March 13, 2006              Date:        March 13, 2006                By:  /s/  Robert M. Kissick                                     Robert M. Kissick                         Director   By:  /s/ Debra P. Roe                                                         Debra P. Roe, CPA                         Chief Financial OfficerDate:        March 13, 2006              Date:        March 13, 2006                
9.

10.

 

THE MONARCH CEMENT COMPANY AND SUBSIDIARIES

SCHEDULE II ‐‐ VALUATION AND QUALIFYING ACCOUNTS

FOR THE THREE YEARS ENDED DECEMBER 31, 2005

 

Description
Balance at Beginning of Period Additions Charged to Costs    and Expenses Deduction from Reserves    (1) Balance at End of Period
FOR THE YEAR ENDED DECEMBER 31, 2005:   Reserve for doubtful accounts
$  727,000     $  (23,000)     $  102,000     $  602,000        FOR THE YEAR ENDED DECEMBER 31, 2004:   Reserve for doubtful accounts$  591,000 $  146,000 $    10,000 $  727,000        FOR THE YEAR ENDED DECEMBER 31, 2003:   Reserve for doubtful accounts$  644,000 $    26,000 $    79,000 $  591,000
                                                                                                                                                                 

  

    (1) Writeoff of uncollectible accounts, net of collections on accountspreviously written off.

 11.

EXHIBIT INDEX

            Exhibit Number                                       Description                                                                                     3(i)             Articles ofIncorporation.  (Filed with the Company's Annual Report                                                on Form 10-Kfor the year ended December 31, 1994 (File                                                 No. 0-2757) asExhibit 3(i) and incorporated herein by reference.)

                         3(ii)             By‐laws. (Filed with the Company's Quarterly Report on Form 10-Q                                                for thequarter ended March 31, 2004 (File No. 0-2757) as                                                Exhibit 3(ii)and incorporated herein by reference.)

                        10.1             Loan agreementdated January 1, 2001, between the Bank of                                                 Oklahoma N.A and The Monarch Cement Company.  (Filed                                                 with theCompany's Quarterly Report on Form 10-Q for the                                                 quarter endedSeptember 30, 2001 (File No. 0-2757) as                                                 Exhibit 10.1and incorporated herein by reference.)

                        10.1(a)        First amendment toagreement dated January 1, 2001, between the                                                Bank ofOklahoma N.A. and The Monarch Cement Company.                                                (Filed withthe Company's Annual Report on Form 10-K for                                                 the year endedDecember 31, 2002 (File No. 0-2757) as                                                 Exhibit10.1(a) and incorporated herein by reference.)

                        10.1(b)        Second amendment toagreement dated January 1, 2001, between the                                                Bank ofOklahoma N.A. and The Monarch Cement Company, as                                                 amended byfirst amendment dated December 31, 2002. (Filed                                                 with theCompany's Annual Report on Form 10-K for the year                                                 ended December31, 2003 (File No. 0-2757) as Exhibit 10.1(b)                                               andincorporated herein by reference.)

                        10.1(c)        Third amendment toagreement dated January 1, 2001, between the                                                Bank ofOklahoma N.A. and The Monarch Cement Company                                                as amended byfirst amendment dated December 31, 2002 and                                                secondamendment dated December 31, 2003. (Filed with the                                                Company's Annual Report on Form 10-K for the year ended                                                December 31, 2004 (File No. 0-2757) as Exhibit 10.1(c) and                                               incorporated herein by reference.)

                        10.1(d)        Fourth amendment toagreement dated January 1, 2001, between the                                                Bank ofOklahoma N.A. and The Monarch Cement Company                                                as amended byfirst amendment dated December 31, 2002,                                                 secondamendment dated December 31, 2003 and third amendment                                                dated December31, 2004.

                        13                2005 AnnualReport to Stockholders.

                        21                Subsidiaries ofthe Registrant.

                        31.1             Certificate of the President and Chairman of theBoard pursuant to                                               Section13a-14(a)/15d-14(a) of the Securities Exchange Act of 1934.

                      31.2             Certificate of the Chief Financial Officer pursuantto Section                                                13a‐14(a)/15d-14(a) of the Securities Exchange Act of 1934.

                      32.1             18 U.S.C. Section 1350 Certificate of the Presidentand Chairman                                                of the Boarddated March 13, 2006.

                      32.2             18 U.S.C. Section 1350 Certificate of the ChiefFinancial Officer                                                 dated March13, 2006. |