UNITED STATES
                       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): November 5, 2003

                                CERES GROUP, INC.
               (Exact Name of Registrant as Specified in Charter)

          DELAWARE                      0-8483                 34-1017531
(State or Other Jurisdiction   (Commission File Number)      (I.R.S. Employer
      of Incorporation)                                   Identification Number)

                   17800 ROYALTON ROAD, CLEVELAND, OHIO 44136
                    (Address of principal executive offices)

                                 (440) 572-2400
              (Registrant's telephone number, including area code)















ITEM 7.    EXHIBITS.

     Exhibit 99.1 Press Release, dated November 5, 2003.

ITEM 12.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On November 5, 2003, Ceres Group, Inc. issued a press release regarding
earnings for the third quarter of 2003. A copy of the press release is attached
hereto as Exhibit 99.1.



































                                   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.


                                      CERES GROUP, INC.




                                      /s/ Kathleen L. Mesel
                                      By:  Kathleen L. Mesel
                                      Its:   Corporate Secretary

Dated: November 6, 2003