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):         February 25, 2004
                                                  -----------------------------



                            BANCINSURANCE CORPORATION
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             (Exact name of registrant as specified in its charter)



          OHIO                           0-8738                  31-0790882
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(State or other jurisdiction           (Commission              (IRS Employer
     of incorporation)                 File Number)          Identification No.)



 250 EAST BROAD STREET, 10th FLOOR, COLUMBUS, OHIO                    43215
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     (Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code         (614) 228-2800
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          (Former name or former address, if changed since last report)





                         Index to Exhibits is on Page 3.






Item 7.       Financial Statements and Exhibits

              (a)   None required.

              (b)   None required.

              (c)   Exhibits.

                    99.1     Press Release issued February 25, 2004

Item 12.      Results of Operations and Financial Condition

              On February 25, 2004, Bancinsurance Corporation issued a press
release reporting results of operations for the three months and twelve months
ended December 31, 2003. A copy of the press release is attached hereto as
Exhibit 99.1.

              The information in this Report, including Exhibit 99.1 attached
hereto, is being furnished and shall not be deemed to be "filed" for purposes of
Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the
liabilities of that section, nor shall such information be deemed to be
incorporated by reference in any registration statement or other document filed
under the Securities Act of 1933 or the Securities Exchange Act of 1934, except
as otherwise stated in such filing.





                                   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.

                                            BANCINSURANCE CORPORATION



Date:  February 25, 2004                    By: /s/ Sally J. Cress
       -----------------                        ------------------------------
                                                Sally J. Cress,
                                                Principal Financial and
                                                Accounting Officer


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                                INDEX TO EXHIBITS


Exhibit Number                        Description
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    99.1                 Press Release issued February 25, 2004




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