Exhibit 23.1


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

American Physicians Service Group, Inc.
Austin, Texas

We  hereby  consent  to  the   incorporation  by  reference  in  the  Prospectus
constituting  a part of this  Registration  Statement  on Form S-8 of our report
dated March 21,  2004,  relating to the  consolidated  financial  statements  of
American Physicians Service Group, Inc. appearing in the Company's Annual Report
of Form 10-KSB for the year ended December 31, 2003.

We also consent to the reference to us under the caption "Experts" in the
Prospectus.


                                                /s/ BDO Seidman, LLP
                                                --------------------------

Houston, Texas
June 22, 2004