COMMERCE GROUP INC /MA 4

4 · COMMERCE GROUP INC /MA · Filed Dec 22, 2004

Form 4

Period: 2004-12-16

DirectorSr. Vice Pres. & Asst. Clerk

Transactions

Holdings

Footnotes (6)

[F1]14,650 shares are owned by a trust for the benefit of the undersigned and his family of which undersigned is a trustee
[F2]81,060 shares are owned by the undersigned's wife
[F3]22,855 shares are owned by a trust for the benefit of the undersigned's children of which the undersigned is co-trustee.
[F4]21,189 shares are owned by five trusts for the benefit of the undersigned's nieces/nephew of which the undersigned is a co-trustee.
[F5]The reporting person indirectly beneficially owns 151,977 shares that are held by the Employee Stock Ownership Plan of The Commerce Group, Inc., which number of shares is calculated based on the units that have been credited to the reporting person as a participant in the ESOP and is subject to adjustment from time to time due, in part, to the unit value and the price per share of the common stock.
[F6]The filing of this statement by the undersigned is not to be construed as and shall not be deemed to be an admission that the undersigned is, for the purposes of Section 16 of the Securities Exchange Act of 1934, as amended, a beneficial owner of these shares.

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