NATIONAL INFORMATION GROUP 10-K

FORM 10-K FOR THE PERIOD ENDED DECEMBER 31,1998

ARTICLES OF INCORPORATION OF COMPANY

MEMORANDA OF REINSURANCE AS TO FIRST PROPERTY

EMPLOYMENT AGREEMENT (MARK A. SPEIZER)

EMPLOYMENT AGREEMENT (BRUCE A. COLE)

MODIFICATION OF AT WILL EMPLOYMENT (GERRY GAUER)

MODIFICATION OF AT WILL EMPLOYMENT (GEORGE JUMP)

COMPUTATION OF WEIGHTED AVERAGE SHARES

POWER OF ATTORNEY

FINANCIAL DATA SCHEDULE