SECURITIES AND EXCHANGE COMMISSION

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


MERCHANTS GROUP, INC.

(Exact name of registrant as specified in its charter)


Delaware

(State or other jurisdiction of incorporation)


1-9640		16-1280763

(Commission File Number)		(I.R.S. Employer Identification No.)


250 Main Street, Buffalo, New York		14202

(Address of principal executive offices)		(Zip Code)

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


(NOT APPLICABLE)

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2 below):

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

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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

Item 8.01 Other Events

On July 28, 2005, Merchants Group, Inc. issued a press release announcing the declaration of a regular quarterly cash dividend on its common stock.

Item 9.01. Financial Statements and Exhibits

The following exhibit is furnished as part of this report:

Exhibit – 99 Press release dated July 28, 2005.

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.
Date: July 28, 2005		By: /s/ Kenneth J. Wilson

		Kenneth J. Wilson Chief Financial Officer Treasurer

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MERCHANTS GROUP INC 8-K