-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 TkIPw0WbaRyPbLcEqtFV4g==

<SEC-DOCUMENT>0001140361-03-004482.txt : 20031126
<SEC-HEADER>0001140361-03-004482.hdr.sgml : 20031126
<ACCEPTANCE-DATETIME>20031126092203
ACCESSION NUMBER:		0001140361-03-004482
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031125
FILED AS OF DATE:		20031126

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			21ST CENTURY HOLDING CO
		CENTRAL INDEX KEY:			0001069996
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				650248866
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		4161 N W 5TH STREET
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33317
		BUSINESS PHONE:		9545819993

	MAIL ADDRESS:	
		STREET 1:		4161 N W 5TH STREET
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33317

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LAWSON MICHELE
		CENTRAL INDEX KEY:			0001077610

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25001
		FILM NUMBER:		031024597

	BUSINESS ADDRESS:	
		STREET 1:		4161 NW 5TH ST
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33317
		BUSINESS PHONE:		9545819993

	MAIL ADDRESS:	
		STREET 1:		4161 NW 5TH ST
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33317
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
<periodOfReport>2003-11-25</periodOfReport>
<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001069996</issuerCik>
        <issuerName>21ST CENTURY HOLDING CO</issuerName>
        <issuerTradingSymbol>TCHC</issuerTradingSymbol>
</issuer>
<reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001077610</rptOwnerCik>
            <rptOwnerName>LAWSON MICHELE</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>4161 NW 5 STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>PLANTATION</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>33317</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector>
<isOfficer>1</isOfficer>
<isTenPercentOwner>1</isTenPercentOwner>
<isOther>0</isOther>
<officerTitle>Treasurer</officerTitle>
<otherText></otherText>
</reportingOwnerRelationship>
</reportingOwner>
<nonDerivativeTable>
<nonDerivativeTransaction>
<securityTitle>
<value>Common Stock</value>
</securityTitle>
<transactionDate>
<value>2003-11-25</value>
</transactionDate>
<deemedExecutionDate>
</deemedExecutionDate>
<transactionCoding>
<transactionFormType>4</transactionFormType>
<transactionCode>X</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
</transactionCoding>
<transactionTimeliness>
<value></value>
</transactionTimeliness>
<transactionAmounts>
<transactionShares>
<value>42216</value>
</transactionShares>
<transactionPricePerShare>
<value>12.50</value>
</transactionPricePerShare>
<transactionAcquiredDisposedCode>
<value>A</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<postTransactionAmounts>
<sharesOwnedFollowingTransaction>
<value>524805</value>
<footnoteId id="F1"/>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature>
<directOrIndirectOwnership>
<value>D</value>
</directOrIndirectOwnership>
<natureOfOwnership>
<value></value>
</natureOfOwnership>
</ownershipNature>
</nonDerivativeTransaction>
<nonDerivativeHolding>
<securityTitle>
<value>Common Stock</value>
</securityTitle>
<postTransactionAmounts>
<sharesOwnedFollowingTransaction>
<value>550373</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature>
<directOrIndirectOwnership>
<value>I</value>
</directOrIndirectOwnership>
<natureOfOwnership>
<value>By Spouse</value>
</natureOfOwnership>
</ownershipNature>
</nonDerivativeHolding>
</nonDerivativeTable>
<derivativeTable>
<derivativeTransaction>
<securityTitle>
<value>Options</value>
<footnoteId id="F2"/>
</securityTitle>
<conversionOrExercisePrice>
<value>12.50</value>
</conversionOrExercisePrice>
<transactionDate>
<value>2003-11-25</value>
</transactionDate>
<deemedExecutionDate>
</deemedExecutionDate>
<transactionCoding>
<transactionFormType>4</transactionFormType>
<transactionCode>X</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
</transactionCoding>
<transactionTimeliness>
<value></value>
</transactionTimeliness>
<transactionAmounts>
<transactionShares>
<value>42216</value>
</transactionShares>
<transactionPricePerShare>
<value>12.50</value>
</transactionPricePerShare>
<transactionAcquiredDisposedCode>
<value>D</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<exerciseDate>
<value>2003-06-04</value>
<footnoteId id="F3"/>
</exerciseDate>
<expirationDate>
<value>2008-06-04</value>
</expirationDate>
<underlyingSecurity>
<underlyingSecurityTitle>
<value>Common Stock</value>
</underlyingSecurityTitle>
<underlyingSecurityShares>
<value>42216</value>
</underlyingSecurityShares>
</underlyingSecurity>
<postTransactionAmounts>
<sharesOwnedFollowingTransaction>
<value>42216</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature>
<directOrIndirectOwnership>
<value>D</value>
</directOrIndirectOwnership>
<natureOfOwnership>
<value></value>
</natureOfOwnership>
</ownershipNature>
</derivativeTransaction>
</derivativeTable>
<footnotes>
<footnote id="F1">Represents total shares owned directly after exercise of options transaction.</footnote>
<footnote id="F2">Mrs. Lawson also has 13,784 remaining stock options granted to her with various grant dates, expiration dates, vesting and grant prices.</footnote>
<footnote id="F3">2,486 options vested on June 4, 2003 and the remainder vested on October 29, 2003.</footnote>
</footnotes>
<remarks></remarks>
<ownerSignature>
<signatureName>Michele V. Lawson</signatureName>
<signatureDate>2003-11-25</signatureDate>
</ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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