Edgar Filing: UNITED FIRE & CASUALTY CO

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

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. 2 )*
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United Fire & Casualty Company
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(Name of Issuer)

Common Stock $3.33 1/3 par value
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(Title of Class of Securities)

910331107
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(CUSIP Number)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:

[_] Rule 13d-1(b)
[_] Rule 13d-1(c)
[X] Rule 13d-1(d)

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

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CUSIP NO. 910331107
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1. Names of Reporting Persons.
I.R.S. Identification Nos. of Above Persons (entities only).

Mildred R. McIntyre
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2. Check the Appropriate Box If a Member of a Group (See Instructions)

a. [_]
b. [_]
Not Applicable
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3. SEC Use Only

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4. Citizenship or Place of Organization

United States of America
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Number of 5. Sole Voting Power

Shares 1,117,356
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Beneficially 6. Shared Voting Power

Owned by 0
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Each 7. Sole Dispositive Power

Reporting 1,117,356
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Person 8. Shared Dispositive Power

With 0
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9. Aggregate Amount Beneficially Owned by Each Reporting Person

1,117,356
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10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares
(See Instructions)

Not Applicable
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11. Percent of Class Represented by Amount in Row (9)

11.13%
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12. Type of Reporting Person (See Instructions)

IN
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Mildred Reynolds McIntyre Revocable Trust dated September 15, 1992
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2. Check the Appropriate Box If a Member of a Group (See Instructions)

a. [_]
b. [_]
Not Applicable
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3. SEC Use Only

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4. Citizenship or Place of Organization

State of Iowa
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Number of 5. Sole Voting Power

Shares 584,111
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Beneficially 6. Shared Voting Power

Owned by 0
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Each 7. Sole Dispositive Power

Reporting 584,111
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Person 8. Shared Dispositive Power

With 0
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9. Aggregate Amount Beneficially Owned by Each Reporting Person

584,111
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10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares
(See Instructions)

Not Applicable
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11. Percent of Class Represented by Amount in Row (9)

5.82%
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12. Type of Reporting Person (See Instructions)

OO
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Trust under the will of John Scott McIntyre 42-6276985
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2. Check the Appropriate Box If a Member of a Group (See Instructions)

a. [_]
b. [_]
Not Applicable
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3. SEC Use Only

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4. Citizenship or Place of Organization

State of Iowa
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Number of 5. Sole Voting Power

Shares 533,245
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Beneficially 6. Shared Voting Power

Owned by 0
-------------------------------------------------------------
Each 7. Sole Dispositive Power

Reporting 533,245
-------------------------------------------------------------
Person 8. Shared Dispositive Power

With 0
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9. Aggregate Amount Beneficially Owned by Each Reporting Person

533,245
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10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares
(See Instructions)

Not Applicable
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11. Percent of Class Represented by Amount in Row (9)

5.31%
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12. Type of Reporting Person (See Instructions)

OO
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Item 1(a) Name of Issuer:
United Fire & Casualty Company

Item 1(b) Address of Issuer's Principal Executive Offices:
118 Second Avenue SE
Cedar Rapids, Iowa 52401

Item 2(a) Name of Person Filing:
The persons filing this Schedule 13G are:
(1) Mildred R. McIntyre
(2) Mildred Reynolds McIntyre Revocable Trust dated September
15, 1992
(3) Trust under the will of John Scott McIntyre
* Attached to this Schedule 13G as "Exhibit A" is a Joint
Filing Agreement between the persons specified above that
this Schedule 13G is being filed on behalf of each
of them.

Item 2(b) Address of Principal Business Office or, if none, Residence:
2115 First Avenue SE, #2217
Cedar Rapids, Iowa 52402

Item 2(c) Citizenship:
Mildred R. McIntyre is a citizen of the United States of
America. The Mildred Reynolds McIntyre Revocable Trust dated
September 15, 1992 and the Trust under the will of John Scott
McIntyre were formed under the laws of the State of Iowa.

Item 2(d) Title of Class of Securities:
Common Stock $3.33 1/3 par value

Item 2(e) CUSIP Number:
910331107

Item 3 If this statement is filed pursuant to (S)(S) 240.13d-1(b) or
240.13d-2(b) or (c), check whether the person filing is a: Not
applicable.

(a) [_] Broker or dealer registered under section 15 of the Act (15
U.S.C. 78o).

(b) [_] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(d) [_] Investment company registered under section 8 of the
Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [_] An investment adviser in accordance with (S)
240.13d-1(b)(1)(ii)(E);

(f) [_] An employee benefit plan or endowment fund in accordance with
(S) 240.13d-1(b)(1)(ii)(F);

(g) [_] A parent holding company or control person in accordance with
(S) 240.13d-1(b)(1)(ii)(G);

(h) [_] A savings association as defined in Section 3(b) of the
Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [_] A church plan that is excluded from the definitions of an
investment company under section 3(c)(14) of the Investment
Company Act of 1940 (15 U.S.C. 80a-3);

(j) [_] Group, in accordance with (S) 240.13d-1(b)(1)(ii)(J).

Item 4 Ownership

Please provide the following information regarding the aggregate number and
percentage of the class of securities of the issuer identified in Item 1.

(a) Amount beneficially owned.

Mildred R. McIntyre is the beneficial owner of 1,117,356 shares of Common
Stock of the Company, consisting of (i) 584,111 shares held by the Mildred

Reynolds McIntyre Revocable Trust dated September 15, 1992, of which
Ms. McIntyre is the Trustee, and (ii) 533,245 shares held by the Trust
under the will of John Scott McIntyre, of which Ms. McIntyre is the
Trustee.

The Mildred Reynolds McIntyre Revocable Trust dated September 15, 1992
is the direct owner of and thus is beneficial owner of 584,111 shares
of Common Stock of the Company.

The Trust under the will of John Scott McIntyre is the direct owner of
and thus is beneficial owner of 533,245 shares of Common Stock of the
Company.

(b) Percent of class

The 1,117,356 shares reported as beneficially owned by Mildred R.
McIntyre constitute 11.13% of the issued and outstanding shares of
Common Stock of the Company on December 31, 2002. The 584,111 shares
held by the Mildred Reynolds McIntyre Revocable Trust dated September
15, 1992 constitute 5.82% of the issued and outstanding shares. The
533,245 shares held by the Trust under the will of John Scott McIntyre
5.31% of the issued and outstanding shares.

a. Mildred R. McIntyre

i. Sole power to vote or to direct the vote: 1,117,356
ii. Shared power to vote or to direct the vote: 0
iii. Sole power to dispose or to direct the disposition of: 1,117,356
iv. Shared power to dispose or to direct the disposition of: 0

b. The Mildred Reynolds McIntyre Revocable Trust dated September 15,
1992

i. Sole power to vote or to direct the vote: 584,111
ii. Shared power to vote or to direct the vote: 0
iii. Sole power to dispose or to direct the disposition of: 584,111
iv. Shared power to dispose or to direct the disposition of: 0

c. Trust under the will of John Scott McIntyre

i. Sole power to vote or to direct the vote: 533,245
ii. Shared power to vote or to direct the vote: 0
iii. Sole power to dispose or to direct the disposition of: 533,245

iv. Shared power to dispose or to direct the disposition of: 0

Item 5 Ownership of Five Percent or Less of a Class

If this statement is being filed to report the fact that as of the date
hereof the reporting person has ceased to be the beneficial owner of
more than five percent of the class of securities, check the following
[_].

Not applicable.

Item 6 Ownership of More than Five Percent on Behalf of Another Person

Not Applicable.

Item 7 Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company or Control
Person

Not applicable.

Item 8 Identification and Classification of Members of the Group

Not applicable.

Item 9 Notice of Dissolution of a Group

Not applicable.

Item 10 Certification

Not applicable

[THE REST OF THIS PAGE LEFT INTENTIONALLY BLANK]

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

___________________________________ ________________________________________
Dated Mildred R. McIntyre

___________________________________ Mildred Reynolds McIntyre Revocable
Dated Trust dated September 15, 1992

By: ____________________________________
Mildred R. McIntyre, Trustee

___________________________________ Trust under the Will of John Scott
Dated McIntyre

By: ____________________________________
Mildred R. McIntyre, Trustee

EXHIBIT A TO SCHEDULE 13G

JOINT FILING AGREEMENT

Mildred R. McIntyre, individually, the Mildred Reynolds McIntyre Revocable Trust
dated September 15, 1992 and the Trust under the will of John Scott McIntyre
hereby agree and consent to the joint filing on their behalf of the foregoing
amendment to Schedule 13G related to their beneficial ownership of the Common
Stock of United Fire & Casualty Company.

February 13, 2003 /s/ Mildred R. McIntyre
----------------------------------- ----------------------------------------
Dated Mildred R. McIntyre

February 13, 2003 Mildred Reynolds McIntyre Revocable
------------------------------------ Trust dated September 15, 1992
Dated

By: /s/ Mildred R. McIntyre
-------------------------------------
Mildred R. McIntyre, Trustee

February 13, 2003 Trust under the Will of John Scott
------------------------------------ McIntyre
Dated

By: /s/ Mildred R. McIntyre
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Mildred R. McIntyre, Trustee

EXHIBIT B TO SCHEDULE 13G

MILDRED R. MCINTYRE

The Reporting Persons filing jointly on this Amendment No. 2 filed Amendment No.
1 to Schedule 13G on February 14, 2002.

Schedule A shows current ownership and transactions from December 31, 2001 to
December 31, 2002, for the Reporting Persons. Please note the following with
respect to these transactions:

. All transactions reported as "gifts given" were gifts given by Mrs.
McIntyre to her children, grandchildren or great-grandchildren.

. All transactions reported as transfers were transfers from the Mildred
Reynolds McIntyre Revocable Trust dated September 15, 1992 to Mrs.
McIntyre. These transfers were made so that the gifts to children,
grandchildren and great-grandchildren would come directly from Mrs.
McIntyre, instead of from the trust.

SCHEDULE A

Trustee, Mildred R. Trustee, Trust under the
Mildred R. McIntyre McIntyre Revocable will of John Scott
Date Description Individually Trust McIntyre
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Total Total Total
Transaction Shares Transaction Shares Transaction Shares
Amount Owned Amount Owned Amount Owned
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12/31/01 as reported 0 595,801 533,245
02/12/02 transfer 10,400 10,400 (10,400) 585,401
02/12/02 gift given (10,400) 0
07/19/02 transfer 1,290 1,290 (1,290) 584,111
07/19/02 gift given (1,290) 0
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Total 0 584,111 533,245