UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: June 30, 2011

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 Avenue SE
          Cedar Rapids IA 52401

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:  Kevin W. Helbing
Title: Controller
Phone: 319 286-2533

Signature, Place and Date of Signing:


/s/ Kevin W. Helbing                     Cedar Rapids, IA           8/3/2011
-----------------------------------   -----------------------   ----------------
Kevin W. Helbing

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).)



CFORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:             0
Form 13F Information Table Entry Total:       99
Form 13F Information Table Value Total: $159,140 (in thousands)
List of Other Included Managers:            NONE



FORM 13F INFORMATION TABLE



                                                                                                     --VOTING AUTHORITY--
                                   TITLE OF               VALUE   SHARES   SH/ PUT/ INVSTMN  OTHER   --------------------
           NAME OF ISSUER            CLASS     CUSIP    (x$1000)  PRN AMT PRN  CALL DSCRETN MANAGERS  SOLE   SHARED  NONE
---------------------------------- -------- ----------- -------- -------- ---- ---- ------- -------- ------- ------ -----
                                                                                   
AT&T Inc                           Common   00206R-10-2    3,193  101,660  SH         Sole           101,660
Abbott Laboratories                Common   002824-10-0   11,840  225,000  SH         Sole           225,000
Agilysys Inc                       Common   00847J-10-5    1,761  211,187  SH         Sole           211,187
Alliant Energy Corporation         Common   018802-10-8    4,969  122,200  SH         Sole           122,200
ALTERA CORP                        Common   021441-10-0      232    5,000  SH         Sole             5,000
American Strategic Inc Port II     Common   030099-10-5      234   25,420  SH         Sole            25,420
AMERISOURCEBERGEN CORP             Common   03073E-10-5      248    6,000  SH         Sole             6,000
BCE Inc                            Common   05534B-76-0      582   14,823  SH         Sole            14,823
BRE Properties Inc                 Common   05564E-10-6      898   18,000  SH         Sole            18,000
Bank of America Corporation        Common   060505-10-4    1,534  140,000  SH         Sole           140,000
BECTON DICKINSON & CO              Common   075887-10-9      172    2,000  SH         Sole             2,000
BED BATH & BEYOND INC              Common   075896-10-0      350    6,000  SH         Sole             6,000
Bemis Company Inc                  Common   081437-10-5    1,061   31,400  SH         Sole            31,400
Boeing Company                     Common   097023-10-5    5,545   75,000  SH         Sole            75,000
CIT Group Inc                      Common   125581-80-1    2,437   55,065  SH         Sole            55,065
CAMPBELL SOUP CO                   Common   134429-10-9      346   10,000  SH         Sole            10,000
Cincinnati Financial Corp          Common   172062-10-1    9,346  320,276  SH         Sole           320,276
COCA COLA CO                       Common   191216-10-0      269    4,000  SH         Sole             4,000
COLGATE PALMOLIVE CO               Common   194162-10-3      350    4,000  SH         Sole             4,000
ConocoPhillips                     Common   20825C-10-4      756   10,059  SH         Sole            10,059
CONSOLIDATED EDISON INC            Common   209115-10-4       80    1,500  SH         Sole             1,500
Cummins Inc                        Common   231021-10-6    7,967   76,980  SH         Sole            76,980
DANAHER CORP DEL                   Common   235851-10-2      212    4,000  SH         Sole             4,000
Dean Foods Company                 Common   242370-10-4       98    8,000  SH         Sole             8,000
Deere & Company                    Common   244199-10-5    1,649   20,000  SH         Sole            20,000
DOLLAR TREE INC                    Common   256746-10-8      200    3,000  SH         Sole             3,000
Dow Chemical Company               Common   260543-10-3    6,120  170,000  SH         Sole           170,000
Duke Energy Corporation            Common   26441C-10-5    2,790  148,192  SH         Sole           148,192
Emerson Electric Co                Common   291011-10-4      709   12,600  SH         Sole            12,600
EXPRESS SCRIPTS INC                Common   302182-10-0      216    4,000  SH         Sole             4,000
Exxon Mobil Corporation            Common   30231G-10-2    3,255   40,000  SH         Sole            40,000
FACTSET RESH SYS INC               Common   303075-10-5      307    3,000  SH         Sole             3,000
Federal-Mogul Corporation          Common   313549-40-4      878   38,457  SH         Sole            38,457
Fidelity National Information      Common   31620M-10-6      300    9,758  SH         Sole             9,758
Fidelity NationalFinancial Inc     Common   31620R-10-5      349   22,201  SH         Sole            22,201
Frontier Communications Corp       Common   35906A-10-8      108   13,439  SH         Sole            13,439
Arthur J Gallagher & Co            Common   363576-10-9      295   10,321  SH         Sole            10,321
GENERAL DYNAMICS CORP              Common   369550-10-8      373    5,000  SH         Sole             5,000
General Electric Company           Common   369604-10-3    5,187  275,000  SH         Sole           275,000
GenOn Energy Inc                   Common   37244E-10-7      310   80,347  SH         Sole            80,347
GILDAN ACTIVEWEAR INC              Common   375916-10-3       53    1,500  SH         Sole             1,500
H J Heinz Company                  Common   423074-10-3    2,398   45,000  SH         Sole            45,000
Honeywell International Inc        Common   438516-10-6    2,264   38,000  SH         Sole            38,000
Hospira Inc                        Common   441060-10-0      907   16,000  SH         Sole            16,000
ITT CORP NEW                       Common   450911-10-2      147    2,500  SH         Sole             2,500
Intel Corporation                  Common   458140-10-0    1,330   60,000  SH         Sole            60,000
INTERNATIONAL BUSINESS MACHS       Common   459200-10-1      515    3,000  SH         Sole             3,000





                                                                                   
JPMorgan Chase & Co                Common   46625H-10-0    2,364   57,736  SH         Sole            57,736
JACOBS ENGR GROUP INC DEL          Common   469814-10-7       43    1,000  SH         Sole             1,000
Johnson & Johnson                  Common   478160-10-4    2,528   38,000  SH         Sole            38,000
JOS A BANK CLOTHIERS INC           Common   480838-10-1       75    1,500  SH         Sole             1,500
LINEAR TECHNOLOGY CORP             Common   535678-10-6      132    4,000  SH         Sole             4,000
LOWES COS INC                      Common   548661-10-7      396   17,000  SH         Sole            17,000
MCCORMICK & CO INC                 Common   579780-20-6       99    2,000  SH         Sole             2,000
MCDONALDS CORP                     Common   580135-10-1      422    5,000  SH         Sole             5,000
Medtronic Inc                      Common   585055-10-6      963   25,000  SH         Sole            25,000
Merck & Co Inc                     Common   58933Y-10-5      204    5,767  SH         Sole             5,767
METLIFE INC                        Common   59156R-10-8       79    1,800  SH         Sole             1,800
NATIONAL PRESTO INDS INC           Common   637215-10-4      101    1,000  SH         Sole             1,000
Newell Rubbermaid Inc              Common   651229-10-6      722   45,766  SH         Sole            45,766
Nicor Inc                          Common   654086-10-7    2,190   40,000  SH         Sole            40,000
NIKE INC                           Common   654106-10-3      270    3,000  SH         Sole             3,000
NOVELLUS SYS INC                   Common   670008-10-1      181    5,000  SH         Sole             5,000
Old Republic International Cor     Common   680223-10-4    2,993  254,690  SH         Sole           254,690
OMNICOM GROUP INC                  Common   681919-10-6      144    3,000  SH         Sole             3,000
ORACLE CORP                        Common   68389X-10-5      230    7,000  SH         Sole             7,000
PepsiCo Inc                        Common   713448-10-8    1,620   23,000  SH         Sole            23,000
Pfizer Inc                         Common   717081-10-3      824   40,000  SH         Sole            40,000
Piper Jaffray Cos                  Common   724078-10-0      240    8,329  SH         Sole             8,329
PLAINS ALL AMER PIPELINE LP        Common   726503-10-5      192    3,000  SH         Sole             3,000
Procter & Gamble Company           Common   742718-10-9    4,831   76,000  SH         Sole            76,000
Progress Energy Inc                Common   743263-10-5      918   19,131  SH         Sole            19,131
Progress Energy Inc CVO            Common   743263-AA-3        0   15,000  SH         Sole            15,000
QCR Holdings Inc                   Common   74727A-10-4      742   83,181  SH         Sole            83,181
ROYAL BK SCOTLAND GROUP PLC        Preferred780097-87-9       45    2,000  SH         Sole             2,000
Royal Dutch Shell ADR              Common   780259-20-6    2,845   40,000  SH         Sole            40,000
Schlumberger Limited               Common   806857-10-8    2,592   30,000  SH         Sole            30,000
SMUCKER J M CO                     Common   832696-40-5      306    4,000  SH         Sole             4,000
Spectra Energy Corporation         Common   847560-10-9    2,579   94,096  SH         Sole            94,096
STRYKER CORP                       Common   863667-10-1      352    6,000  SH         Sole             6,000
Teva Pharmaceutical Industries Ltd Common   881624-20-9       87    1,802  SH         Sole             1,802
TEXAS INSTRS INC                   Common   882508-10-4      164    5,000  SH         Sole             5,000
TRACTOR SUPPLY CO                  Common   892356-10-6      268    4,000  SH         Sole             4,000
Treehouse Foods Inc                Common   89469A-10-4      527    9,652  SH         Sole             9,652
U S Bancorp                        Common   902973-30-4   17,984  704,984  SH         Sole           704,984
UNION PAC CORP                     Common   907818-10-8      261    2,500  SH         Sole             2,500
V F CORP                           Common   918204-10-8      326    3,000  SH         Sole             3,000
VARIAN MED SYS INC                 Common   92220P-10-5       70    1,000  SH         Sole             1,000
Vectren Corporation                Common   92240G-10-1      743   26,658  SH         Sole            26,658
Verizon Communications Inc         Common   92343V-10-4    2,085   55,997  SH         Sole            55,997
WAL MART STORES INC                Common   931142-10-3      186    3,500  SH         Sole             3,500
WALGREEN CO                        Common   931422-10-9      425   10,000  SH         Sole            10,000
WASTE MGMT INC DEL                 Common   94106L-10-9       75    2,000  SH         Sole             2,000
Wells Fargo & Company              Common   949746-10-1    7,158  255,086  SH         Sole           255,086
Wachovia Corp Ser L Conv Perp Pfd  Preferred949746-80-4    1,483    1,400  SH         Sole             1,400
Windstream Corporation             Common   97381W-10-4      168   12,942  SH         Sole            12,942
Wintrust Financial Corporation     Common   97650W-10-8    7,418  230,523  SH         Sole           230,523
Xcel Energy, Inc.                  Common   98389B-10-0    2,187   90,000  SH         Sole            90,000
Montpelier Re Holdings Ltd         Common   G62185-10-6      165    9,189  SH         Sole             9,189
Report Summary                       Data Records 99     159,140          0 other managers on whose behalf report is filed