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 (Date of earliest event reported): February 25, 2004

                             ERIE INDEMNITY COMPANY
               (Exact name of registrant as specified in its charter)

           PENNSYLVANIA                   0-24000                 25-0466020
  -------------------------------       -------------        -------------------
  (State or other jurisdiction of       (Commission         (I.R.S. Employer
   incorporation)                        File Number)        Identification No.)


100 Erie Insurance Place, Erie, Pennsylvania                      16530
--------------------------------------------                ----------------
  (Address of principal executive offices)                     (Zip Code)

          Registrant's telephone number, including area code (814) 870-2000

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Item 12. Results of Operations and Financial Condition

On February 25, 2004, Erie Indemnity  Company issued a press release  announcing
financial  results for the quarter and year ended  December  31, 2003. A copy of
this press release is attached hereto and is incorporated herein by reference as
Exhibit 99.1.

On February  26, 2004 at 10 a.m.  Erie  Indemnity  Company will hold a telephone
conference  call that will be  webcast  and that is  complimentary  to the press
release announcing financial results for the quarter and year ended December 31,
2003.

Exhibit Number        Description
--------------        -----------
99.1                  Press release dated February 25, 2004

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                                    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 hereunto duly authorized.



                                    ERIE INDEMNITY COMPANY


                                    Erie Indemnity Company
                                ------------------------------
                                       (Registrant)

Date: February 25, 2004            /s/ Philip A. Garcia
                                -------------------------------
                              (Philip A. Garcia, Executive Vice President & CFO)

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