Exhibit 23.1
                          Independent Auditors' Consent



The Board of Directors and Shareholders
American Physicians Service Group, Inc.


     We hereby  consent to the  incorporation  by reference in the  Registration
Statements on Form S-8 (No. 333-07427, and No. 333-62233) of American Physicians
Service  Group,  Inc.  of our  report  dated  March 30,  2004,  relating  to the
consolidated financial statements, which appears in this Form 10-KSB.


                                                          /s/ BDO Seidman, LLP
                                                           ---------------------
Houston, Texas
March 30, 2004