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): April 26, 2004
                                                         ---------------



                               CRAWFORD & COMPANY
                     -------------------------------------
             (Exact name of Registrant as specified in its charter)


                                     GEORGIA
                           --------------------------
                 (State or other jurisdiction of incorporation)


        1-10356                                             58-0506554
-----------------------                     -----------------------------------
(Commission File Number)                     (IRS Employer Identification No.)


               5620 Glenridge Drive, N.E., Atlanta, Georgia 30342
               --------------------------------------------------
               (Address of principal executive offices) (Zip Code)


                                 (404) 256-0830
                            ------------------------
              (Registrant's telephone number, including area code)






ITEM 7.  Financial Statements, Pro Forma Financial Statements and Exhibits

(c)      Exhibits



         Exhibit No.             Description
         -----------             -----------
                              

         99.1                    Press Release dated April 26, 2004




ITEM 12. Results of Operations and Financial Condition

         On April 26, 2004, Crawford & Company (the "Company") issued a press
release containing information about the Company's financial condition, results
of operations, and cash flows for the first quarter of 2004. A copy of the press
release is attached hereto as Exhibit 99.1.

         The press release contains non-GAAP financial measures and a
reconciliation to the related GAAP measure is included. Operating earnings is
one of the key performance measures used by the Company's senior management to
evaluate the performance of its business and make resource allocation decisions.
The Company believes this measure is useful to investors in that it allows them
to evaluate its performance using the same criteria that management uses.



                                   SIGNATURES

         Pursuant to the requirements of the Securities and Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                          CRAWFORD & COMPANY
                                              (Registrant)



                                    By:  /s/ JOHN F. GIBLIN
                                         ---------------------------------------
                                           John F. Giblin
                                           Executive Vice President and
                                           Chief Financial Officer

Dated: April 26, 2004


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                                  EXHIBIT INDEX





  Number       Descriptions
  ------       -------------
            
  99.1         Press Release issued April 26, 2004




                                       3