UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 28, 2005


Date of Report (Date of earliest event reported)		June 12, 2006

MERCHANTS GROUP, INC.
(Exact name of registrant as specified in its charter)

Delaware	1-9640		16-1280763
(State or other jurisdiction of incorporation)	(Commission File Number)		(IRS Employer Identification No.)

250 Main Street, Buffalo, New York 14202
(Address of principal executive offices)

(716) 849-3333
(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report.)

~~MERCHANTS~~Check ~~GROUP,~~the ~~INC.~~appropriate ~~(Exact~~box ~~name~~below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant asunder ~~specified~~any inof ~~its~~the ~~charter~~following provisions (see General Instruction A.2. below):

~~Delaware (State or other jurisdiction of incorporation)~~[ ]

1-9640		16-1280763
(Commission File Number)		(I.R.S. Employer Identification No.)

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

250 Main Street, Buffalo, New York		14202
(Address of principal executive offices)		(Zip Code)

[ ]

~~Registrant’s~~Soliciting ~~telephone~~material ~~number,~~pursuant ~~including~~to ~~area~~Rule ~~code:~~14a-12 under the Exchange Act (~~716) 849~~17 CFR 240.14a-~~3333~~ 12)

~~(NOT APPLICABLE) (Former name or former address, if changed since last report)~~[ ]

~~Check the appropriate box below if the Form 8~~Pre-Kcommencement ~~filing~~communications ispursuant ~~intended~~ to ~~simultaneously~~Rule ~~satisfy the~~14d-2(b) ~~filing obligation of the registrant~~ under ~~any of~~ the ~~following~~Exchange ~~provisions~~Act (~~see~~17 ~~General Instructions~~CFR A240.14d-2 ~~below~~(b): )

~~o Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)~~ [ ]

~~o Soliciting~~Pre-commencement ~~material~~communications pursuant to Rule ~~14a~~ 13e-124(c) under the Exchange Act (17 CFR 240.~~14a~~13e-124(c) )

~~o Pre-commencement~~Item ~~communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240~~1.~~14d-2(b))~~ 01

~~o Pre-commencement~~Entry ~~communications~~Into ~~pursuant~~Material ~~to Rule 13e4(c) under the Exchange Act (17 CFR 240.13e-4(c))~~ Agreements

~~Item 8~~On June 12, 2006, Merchants Group, Inc.01 ~~Other~~and ~~Events~~ Merchants Insurance Company of New Hampshire, Inc. (collectively, “MGI”) entered into an agreement with Merchants Mutual Insurance Company (“Mutual”) to extend the Investment and Cash Management Annex (the “Investment Annex”) to their existing Services Agreement. The agreement provides that the Investment Annex will continue on a month to month basis, and that either MGI or Mutual may terminate the Investment Annex with at least thirty days prior written notice.

OnA ~~July 28,~~copy ~~2005,~~of ~~Merchants~~the ~~Group,~~agreement ~~Inc.~~to ~~issued~~extend ~~a press release announcing~~ the ~~declaration~~Investment ofAnnex ~~a regular~~is ~~quarterly~~filed ~~cash~~herewith ~~dividend~~as onExhibit ~~its common stock~~99. 1.

Item 9 7.01~~. Financial Statements and Exhibits~~

~~The~~Regulation ~~following~~FD ~~exhibit is furnished as part of this report:~~ Disclosure

~~Exhibit~~A –copy 99of ~~Press~~a press release issued by MGI, dated ~~July 28~~June 12, ~~2005~~2006, announcing the entry into the agreement to extend the Investment Annex is furnished herewith as Exhibit 99. 2.

~~SIGNATURES~~ Item 9.01

~~Pursuant~~Financial toStatements ~~the~~and ~~requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.~~ Exhibits

		MERCHANTS GROUP, INC.
Date: July 28, 2005		By: /s/ Kenneth J. Wilson
		Kenneth J. Wilson Chief Financial Officer Treasurer

(c)

~~-2-~~ Exhibits


	99.1	Amendment to Services Agreement, dated June 12, 2006, among Merchants Group, Inc., Merchants Insurance Company of New Hampshire, Inc. and Merchants Mutual Insurance Company.

	99.2	Press Release, dated June 12, 2006, of Merchants Group, Inc.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	MERCHANTS GROUP, INC.
	(Registrant)

Date: June 13, 2006	By:	/s/ Thomas E. Kahn
		Thomas E. Kahn
		Chairman of the Board

EXHIBIT INDEX


Exhibit Number	Description
99.1	Amendment to Services Agreement, dated June 12, 2006, among Merchants Group, Inc., Merchants Insurance Company of New Hampshire, Inc. and Merchants Mutual Insurance Company.

99.2	Press Release, dated June 12, 2006, of Merchants Group, Inc.

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