UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): February 2, 2004 AMERICAN MEDICAL SECURITY GROUP, INC. (Exact name of Registrant as specified in its charter) WISCONSIN 1-13154 39-1431799 (State of Incorporation) (Commission File Number) (I.R.S. Employer Identification No.) 3100 AMS BOULEVARD, GREEN BAY, WISCONSIN 54313 (Address of principal executive offices) (Zip Code) (920) 661-1111 (Registrant's telephone number, including area code) ------------------ ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS (c) EXHIBITS See the Exhibit Index following the Signature page of this report, which is incorporated herein by reference. ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On February 2, 2004, American Medical Security Group, Inc. issued a press release announcing fourth quarter and full year 2003 financial results. A copy of the press release is furnished as Exhibit 99 to this report. The information in this Form 8-K and the exhibit attached hereto are furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such filing. 2 SIGNATURE 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 thereunto duly authorized. AMERICAN MEDICAL SECURITY GROUP, INC. Dated: February 2, 2004 /S/ TIMOTHY J. MOORE -------------------------------------------- Timothy J. Moore Senior Vice President of Corporate Affairs, General Counsel & Secretary 3 AMERICAN MEDICAL SECURITY GROUP, INC. (THE "REGISTRANT") (COMMISSION FILE NO. 1-13154) EXHIBIT INDEX TO FORM 8-K CURRENT REPORT DATE OF REPORT: FEBRUARY 2, 2004 EXHIBIT FILED NUMBER DESCRIPTION HEREWITH 99 Press Release dated February 2, 2004 X issued by the Registrant EX-1