-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 BHqaSqvYYikKRmx1dt1YyF6LrYbQA9MAjghJXHhnYi2ipxPxrwg+yTny6LfzxnEi
 bLTfR4h/4Nmk0Efdjkg6ww==

<SEC-DOCUMENT>0001072865-03-000001.txt : 20031210
<SEC-HEADER>0001072865-03-000001.hdr.sgml : 20031210
<ACCEPTANCE-DATETIME>20031210110528
ACCESSION NUMBER:		0001072865-03-000001
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031205
FILED AS OF DATE:		20031210

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN PHYSICIANS SERVICE GROUP INC
		CENTRAL INDEX KEY:			0000724024
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-MANAGEMENT SERVICES [8741]
		IRS NUMBER:				751458323
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		1301 CAPITAL OF TEXAS HWY
		STREET 2:		C-300
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78746
		BUSINESS PHONE:		5123280888

	MAIL ADDRESS:	
		STREET 1:		1301 CAPITAL OF TEXAS HIGHWAY
		CITY:			AUTIN
		STATE:			TX
		ZIP:			78746

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WILLIAMS CHERYL
		CENTRAL INDEX KEY:			0001072865
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-MISC HEALTH & ALLIED SERVICES, NEC [8090]
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31434
		FILM NUMBER:		031046321

	BUSINESS ADDRESS:	
		STREET 1:		13922 LONE RIDER TRAIL
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78736
		BUSINESS PHONE:		5123282892

	MAIL ADDRESS:	
		STREET 1:		13922 LONE RIDER TRAIL
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78736
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2003-12-05</periodOfReport>


    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000724024</issuerCik>
        <issuerName>AMERICAN PHYSICIANS SERVICE GROUP INC</issuerName>
        <issuerTradingSymbol>AMPH</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001072865</rptOwnerCik>
            <rptOwnerName>WILLIAMS CHERYL</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>13922 LONE RIDER TRAIL</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>AUSTIN</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>78736</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>

        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1063</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>

    </nonDerivativeTable>



    <ownerSignature>
        <signatureName>/s/ Cheryl Williams</signatureName>
        <signatureDate>2003-12-10</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----