Farm Family Holdings, Inc.
Ticker: FFH 344 Route 9W
Exchange: New York Stock Exchange Glenmont, New York 12077
Industry: Financial (518) 431-5000

Type of Shares:Common Shares Filing Date:5/3/96
U.S. Shares:2,470,000 Offer Date:7/22/96
Non-U.S. Shares:0 Filing Range:$20.00 - $22.00
Primary Shares:2,470,000 Offer Price:$16.00
Secondary Shares:0 Gross Spread:$1.12
Offering Amount: $51,870,000 Selling:$1.12
Expenses:$1,416,289 Reallowance:$0.67
Shares Out After:4,938,052

ManagerTierPhone
Salomon Brothers Inc.Lead Manager (212) 783-2947

Auditor: Coopers & Lybrand
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 3/31/96 3/31/95 3/31/96
Revenue:$133.00$35.80$31.60Assets:$276.70
Net Income:$9.60$0.30$2.90Liabilities:$205.60
EPS:$3.20$0.10$0.97Equity:$71.10

Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company is a specialized property and casualty insurer of farms, other generally related businesses and residents of rural and suburban communities principally in the Northeastern United States. Established in 1955 to meet certain insurance needs of Farm Bureau members in the Northeast, the company provides flexible, multi-line packages of insurance for those engaged in agricultural pursuits, as well as automobile, commercial general liability, workers' compensation, umbrella liability, business owners, homeowners and other insurance products to rural and suburban policyholders in ten states. Life insurance products are also sold to many of these customers by Farm Bureau organizations. The company believes that the distinctive focus of Farm Family and its agents on meeting the specialized insurance needs of rural communities has provided the company with the knowledge and experience to adapt to changes in the demographics of its markets and in the nature of agricultural pursuits such as dairy, vegetable and fruit farming, the company insures a wide range of other businesses related to agriculture, such as distributors of agricultural products, horse breeding and training facilities, landscapers, nurseries, florists, wineries and growers of specialty products.

Use of Proceeds
Proceeds from the proposed offering will be used to make cash payments to certain eligible policyholders; used to make cash payments to certain holders of Surplus Notes; used to pay expenses incurred in the reorganization; will be contributed to FFCIC to increase its capital and the remainder will be retained by the holding company for general corporate purposes.

Last updated: 10/28/96

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