If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of ·· 240.13d-1(e), 240.13d-1 (f) or 240.13d-1(g), check the following box.   (    )

Note: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See · 240.13d-7 for other parties to whom copies are to be sent.

* 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 disclosures provided in a prior cover page.

The information required on 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).

2

Item 1. Security and Issuer

         Common Stock
         United Fire & Casualty Co.
         P.O. Box 73909, 118 Second Avenue S.E.
         Cedar Rapids, IA 52407

Item 2. Identity and Background.

(a)

Name:  Joseph H. Moss, whose occupation is a registered investment advisor,
         through Joseph H. Moss, Inc., which has its business address at 210
         Interstate North Pkwy., Suite 700, Atlanta, GA 30339. During the last five years, Mr. Moss has not been convicted in any criminal proceeding (excluding traffic violations or similar misdemeanors).
         During the last five years, Mr. Moss has not been a party to any civil proceeding of a judicial or administrative body of competent jurisdiction. Mr. Moss is a citizen of the United States of America.

(b)

Residence or business address:  210 Interstate North Pkwy.
         Suite 700
         Atlanta, GA 30339

(c)

Present Principal Occupation or Employment:  Registered Investment Advisor

(d)

Criminal Conviction:  No

(e)

Court or Administrative Proceedings:  No

(f)

Item 3. Source and Amount of Funds or Other Consideration:

         Mr. Moss purchased with personal funds

Item 4. Purpose of Transaction

            State the purpose or purposes of the acquisition of securities of the issuer. Describe any plans or proposals which the reporting persons may have which relate to or would result in:

         Mr. Moss has purchased all shares for investment purposes and currently holds such shares for investment purposes. Depending on market conditions and other factors, Mr. Moss may purchase additonal shares of Common Stock of the Company in the open market or in private transactions, if appropriate opportunities to do so are available, on such terms and conditions and at such times as he considers appropriate. Mr. Moss inteds to continually review his investment in the Company and may at any time change his present course of action through the purchase or dispostion of shares of Common Stock. Mr. Moss does not currently intend to acauire the Company or to control the management and policies of the Company.

3

(a)

The acquisition by any person of additional securities of the issuer, or the disposition of securities of the issuer;

Mr. Moss has no present plans or proposals that relate to this.

(b)

An extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the issuer or any of its subsidiaries;

Mr. Moss has no present plans or proposals that relate to this.

(c)

A sale or transfer of a material amount of assets of the issuer or any of its subsidiaries;

Mr. Moss has no present plans or proposals that relate to this.

(d)

Any change in the present board of directors or management of the issuer, including any plans or proposals to change the number or term of directors or to fill any existing vacancies on the board;

Mr. Moss has no present plans or proposals that relate to this.

(e)

Any material change in the present capitalization or dividend policy of the issuer;

Mr. Moss has no present plans or proposals that relate to this.

(f)

Any other material change in the issuer's business or corporate structure including but not limited to, if the issuer is a registered closed-end investment company, any plans or proposals to make any changes in its investment policy for which a vote is required by section 13 of the Investment Company Act of 1940;

Mr. Moss has no present plans or proposals that relate to this.

(g)

Changes in the issuer's charter, bylaws or instruments corresponding thereto or other actions which may impede the acquisition of control of the issuer by any person;

Mr. Moss has no present plans or proposals that relate to this.

(h)

Causing a class of securities of the issuer to be delisted from a national securities exchange or to cease to be authorized to be quoted in an inter-dealer quotation system of a registered national securities association;

Mr. Moss has no present plans or proposals that relate to this.

(i)

A class of equity securities of the issuer becoming eligible for termination of registration pursuant to Section 12(g)(4) of the Act; or

Mr. Moss has no present plans or proposals that relate to this.

(j)

Any action similar to any of those enumerated above.

Mr. Moss has no present plans or proposals that relate to this.

Item 5. Interest in Securities of the Issuer.

(a)

Mr. Moss is the beneficial owner of an aggregate of 612,495 shares of Common Stock of the Company and has sole voting and investment power with respect thereto. Based upon information obtained the Company had 10,037,728 shares of Common Stock outstanding at June 30, 2003. Based on that reported number of shares outstanding, Mr. Moss has beneficial ownership of approximately 6.1% of the outstanding shares of Common Stock.

(b)

Mr. Moss has sole power to vote or direct to vote and sole power to dispose or to direct the disposition of 612,495 shares of Common Stock.

(c)

Mr. Moss purchased February 3, 2004 and February 4, 2004 18,100 shares of Common Stock for $779,737.24. Effected over-the-counter through a brokerage firm.

Transaction
Date

Shares or Units
Purchased (Sold)

Price per
Share or Unit

(d)

No other person has the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of such securites.

(e)

Not applicable.

Item 6. Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Issuer.


         Other than as directed above, to the best of Mr. Moss, there are no contracts, arrangements, understandings or relationships (legal or otherwise).

4

Item 7. Material to be Filed as Exhibits.


         Not applicable.

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.

5