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

                                    FORM 8-K
                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                                 Date of Report
                                November 12, 2003
                        (Date of earliest event reported)

                           VESTA INSURANCE GROUP, INC.
             (Exact name of registrant as specified in its charter)

                      Delaware                                   63-1097283
             (State or other jurisdiction of                  (I.R.S. Employer
             incorporation or organization)                  Identification No.)

                  3760 River Run Drive                             35243
                  Birmingham, Alabama                            (Zip Code)
         (Address of principal executive offices)

                                 (205) 970-7000
              (Registrant's telephone number, including area code)




Item 9 and 12. Results of Operations and Financial Condition.

On November 12, 2003, the Registrant reported its earnings for the quarter ended
September 30, 2003. Attached to this Current Report on Form 8-K is a copy of the
Company's press release dated November 12, 2003. This release is being furnished
to the Securities and Exchange Commission under Item 12.

SIGNATURE

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, thereto duly authorized.

Dated as of November 12, 2003.

VESTA INSURANCE GROUP, INC.

By:   /s/ Donald W. Thornton
      -----------------------------
Its:  Senior Vice President --
      General Counsel and Secretary