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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Uh2JTIvdAV4DhJS49DFOEuy7DwCle+QuHAzKfOrLMM0l+lxjOblKB/xKREBcm7u+
 8XPLL1MDNbVWKsATObe3ag==

<SEC-DOCUMENT>0001209191-03-019195.txt : 20030827
<SEC-HEADER>0001209191-03-019195.hdr.sgml : 20030827
<ACCEPTANCE-DATETIME>20030827135432
ACCESSION NUMBER:		0001209191-03-019195
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030818
FILED AS OF DATE:		20030827

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WOLFRAM BRADLEY A
		CENTRAL INDEX KEY:			0001261489

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-08483
		FILM NUMBER:		03868132

	MAIL ADDRESS:	
		STREET 1:		17800 ROYALTON ROAD
		CITY:			CLEVELAND
		STATE:			OH
		ZIP:			44136

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CERES GROUP INC
		CENTRAL INDEX KEY:			0000215403
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				341017531
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		17800 ROYALTON RD
		CITY:			STRONGSVILLE
		STATE:			OH
		ZIP:			44136
		BUSINESS PHONE:		2165722400

	MAIL ADDRESS:	
		STREET 1:		17800 ROYALTON RD
		CITY:			STRONGSVILLE
		STATE:			OH
		ZIP:			44136

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTRAL RESERVE LIFE CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bcl02804_bcl1baw.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3</documentType><periodOfReport>2003-08-18</periodOfReport><noSecuritiesOwned>0</noSecuritiesOwned><issuer><issuerCik>0000215403</issuerCik><issuerName>CERES GROUP INC</issuerName>        <issuerTradingSymbol>CERG</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001261489</rptOwnerCik><rptOwnerName>WOLFRAM BRADLEY A</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>17800 ROYALTON ROAD</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>STRONGSVILLE</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>44136</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>EVP &amp; Chief Operating Officer</officerTitle></reportingOwnerRelationship></reportingOwner>
<derivativeTable><derivativeHolding><securityTitle><value>non-qualified stock options</value></securityTitle><conversionOrExercisePrice><value>3.25</value></conversionOrExercisePrice><exerciseDate><value>2006-08-18</value></exerciseDate><expirationDate><value>2013-08-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>common stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>50000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding></derivativeTable><ownerSignature><signatureName>/s/ Bradley A. Wolfram</signatureName><signatureDate>2003-08-26</signatureDate></ownerSignature></ownershipDocument>

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