8-K

                                    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) July 25, 2000
                                                        (July 22, 2000)

                       THE NATIONAL SECURITY GROUP, INC.
             (Exact name of registrant as specified in its charter)

Delaware                      0-18649                          63-1020300
(State or other             (Commission File No.)         (I.R.S. Employer
jurisdiction of                                            Identification No.)
incorporation)

                   661 East Davis Street, Elba, Alabama 36323
                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (334) 897-2273

                                 Not Applicable

          (Former name or former address if changed since last report)

                   Total number of pages in this report is 4.



Item 4.  Changes in Registrant's Certifying Accountant

     On July 22, 2000, upon recommendation of the Audit Committee,  the Board of
Directors  of The  National  Security  Group,  Inc.  (National  Security  Group)
dismissed Dudley, Hopton-Jones, Sims and Freeman as its principal accountants.

     The  reports  of  Dudley,  Hopton-Jones,  Sims and  Freeman,  issued on the
financial  statements  of  National  Security  Group for  either of the two most
recent  fiscal  years,  did not  contain any adverse  opinion or  disclaimer  of
opinion.  Such reports were not qualified or modified as to  uncertainty,  audit
scope or accounting principles.

     During such years and during the period  between  December 31, 1999 and the
date of  their  dismissal,  including  a  review  of  interim  period  financial
statements  for the period March 31,  2000,  there was no  disagreement  between
Dudley,  Hopton-Jones,  Sims and Freeman and The National  Security Group on any
matter of accounting  principles,  financial statement  disclosure,  or auditing
scope or procedure, which disagreements,  if not resolved to the safisfaction of
Dudley,  Hopton-Jones,  Sims and  Freeman,  would have  caused that firm to make
reference to the subject  matter of such  disagreement  in  connection  with its
report on the Company's financial statements.

     Also, on July 22, 2000, upon  recommendation  of the Audit  Committee,  the
Board of Directors of The National  Security  Group  engaged  Barfield,  Murphy,
Shank and Smith, PC as the Company's new principal accountants.

Item 7.  Financial Statements and Exhibits

Exhibit No.                  Exhibit

    16                       Letter regarding change in certifying accountant.



                                   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 thereunto duly authorized.

                                          The National Security Group, Inc.

Dated:  July 27, 2000                     By:  /s/ Mickey L Murdock
                                              -----------------------------
                                               Mickey L Murdock
                                               Sr. Vice President
                                               Chief Financial Officer

EX-16

          [LETTERHEAD OF DUDLEY, HOPTON-JONES, SIMS AND FREEMAN HERE]

July 25, 2000

Securities and Exchange Commission
Washington D.C.  20549

Ladies and Gentlemen:

We were the principal  accountants for The National Security Group, Inc. On July
25, 2000 we were  informed by The National  Security  Group of its  intention to
terminate our  appointment as principal  accountants.  We have read The National
Security Group's statements included under Item 4 of its Form 8-K dated July 25,
2000 and agree with such  statements,  except  that we are not in a position  to
agree or disagree with The National  Security Group's  statement that the change
was recommended by the Audit Committee and approved by the Board of Directors.

Sincerely,

Dudley, Hopton-Jones, Sims and Freeman PLLP