UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 2005
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager:
Name: United Fire & Casualty Company
Address: 118 Second Ave., S.E.
Cedar Rapids, IA 52407
Form 13F File Number: 28-6427
The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of the Reporting Manager:
Name: Dianne M. Lyons
Title: Controller
Phone: 319-399-5723
Signature, Place and Date of Signing:
/s/ Dianne M. Lyons Cedar Rapids, IA 10/27/2005
---------------------------
Dianne M. Lyons
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and all
holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 64
Form 13F Information Table Value Total: $ 152,845 (in thousands)
List of Other Included Managers: NONE
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMNT OTHER -------VOTING AUTHORITY-------
NAME OF ISSUER TITLE OF CLASS CUSIP (x $1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
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Abbott Laboratories Common 002824100 7,420 175,000 SH Sole 175,000
Agilysys Inc Common 00847J105 5,349 317,666 SH Sole 317,666
Alderwoods Group Inc Common 014383103 629 38,421 SH Sole 38,421
Alliant Energy Corporation Common 018802108 3,560 122,200 SH Sole 122,200
ALLTEL Corporation Common 020039103 815 12,518 SH Sole 12,518
American Strategic Inc Port II Common 030099105 284 25,420 SH Sole 25,420
Anheuser-Busch Companies Inc Common 035229103 172 4,000 SH Sole 4,000
BCE Inc Common 05534B109 445 16,200 SH Sole 16,200
BRE Properties Inc Common 05564E106 801 18,000 SH Sole 18,000
Bank of America Corporation Common 060505104 5,894 140,000 SH Sole 140,000
Bell South Corporation Common 079860102 421 16,000 SH Sole 16,000
Bemis Company Inc Common 081437105 776 31,400 SH Sole 31,400
Boeing Company Common 097023105 2,378 35,000 SH Sole 35,000
Burlington Northern Santa Fe Common 12189T104 966 16,158 SH Sole 16,158
Burlington Resources Inc Common 122014103 1,134 13,944 SH Sole 13,944
Cincinnati Financial Corp Common 172062101 13,416 320,276 SH Sole 320,276
Cummins Inc Common 231021106 1,720 19,545 SH Sole 19,545
Dean Foods Company Common 242370104 1,875 48,261 SH Sole 48,261
Del Monte Foods Co Common 24522P103 216 20,097 SH Sole 20,097
Dow Chemical Company Common 260543103 3,334 80,000 SH Sole 80,000
Duke Energy Corporation Common 264399106 4,323 148,192 SH Sole 148,192
Duquesne Light Holdings Inc Common 266233105 1,119 65,000 SH Sole 65,000
Emerson Electric Co Common 291011104 452 6,300 SH Sole 6,300
Exxon Mobil Corporation Common 30231G102 2,542 40,000 SH Sole 40,000
Fidelity National Financial In Common 316326107 808 18,158 SH Sole 18,158
Arthur J Gallagher & Co Common 363576109 297 10,321 SH Sole 10,321
General Electric Company Common 369604103 7,071 210,000 SH Sole 210,000
Greater Bay Bancorp Common 391648102 493 20,000 SH Sole 20,000
H J Heinz Company Common 423074103 1,644 45,000 SH Sole 45,000
Honeywell International Inc Common 438516106 1,313 35,000 SH Sole 35,000
Hospira Inc Common 441060100 656 16,000 SH Sole 16,000
Intel Corporation Common 458140100 247 10,000 SH Sole 10,000
JPMorgan Chase & Co Common 46625H100 1,959 57,736 SH Sole 57,736
Johnson & Johnson Common 478160104 1,898 30,000 SH Sole 30,000
Keycorp Common 493267108 1,129 35,000 SH Sole 35,000
MCI Inc. Common 552691107 856 33,694 SH Sole 33,694
Newell Rubbermaid Inc Common 651229106 1,037 45,766 SH Sole 45,766
Nicor Inc Common 654086107 1,681 40,000 SH Sole 40,000
Ohio Casualty Corporation Common 677240103 271 10,000 SH Sole 10,000
Old Republic International Cor Common 680223104 4,794 179,752 SH Sole 179,752
Penwest Pharmaceuticals Co. Common 709754105 526 30,000 SH Sole 30,000
PepsiCo Inc Common 713448108 1,134 20,000 SH Sole 20,000
Pfizer Inc Common 717081103 749 30,000 SH Sole 30,000
Piper Jaffray Cos Common 724078100 249 8,329 SH Sole 8,329
Procter & Gamble Company Common 742718109 3,924 66,000 SH Sole 66,000
Progress Energy Inc Common 743263105 856 19,131 SH Sole 19,131
QCR Holdings Inc Common 74727A104 1,706 83,181 SH Sole 83,181
Royal Dutch Shell ADR Common 780259206 1,969 30,000 SH Sole 30,000
SBC Communications Inc Common 78387G103 1,893 78,960 SH Sole 78,960
SAFECO Corporation Common 786429100 2,484 46,550 SH Sole 46,550
Schering-Plough Corporation Common 806605101 211 10,000 SH Sole 10,000
Shopko Stores Inc Common 824911101 510 20,000 SH Sole 20,000
TNT N V Common 87260W101 101 4,034 SH Sole 4,034
TXU Corporation Common 873168108 3,386 30,000 SH Sole 30,000
Terra Industries Inc. Common 880915103 635 95,418 SH Sole 95,418
Treehouse Foods Inc Common 89469A104 259 9,652 SH Sole 9,652
U S Bancorp Common 902973304 22,626 805,784 SH Sole 805,784
Vectren Corporation Common 92240G101 756 26,658 SH Sole 26,658
Verizon Communications Inc Common 92343V104 1,198 36,648 SH Sole 36,648
Wachovia Corporation Common 929903102 1,428 30,008 SH Sole 30,008
Wells Fargo & Company Common 949746101 6,863 117,176 SH Sole 117,176
Wintrust Financial Corporation Common 97650W108 11,586 230,523 SH Sole 230,523
Xcel Energy, Inc. Common 98389B100 1,373 70,000 SH Sole 70,000
Montpelier Re Holdings Ltd Common G62185106 228 9,189 SH Sole 9,189
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Report Summary Data Records 64 152,845 0 other managers on whose behalf report is filed