0001135428-03-000197 10-K 8 20021231 20030328 DONEGAL GROUP INC 0000800457 6331 232424711 DE 1231 10-K 34 000-15341 03624674 1195 RIVER RD PO BOX 302 MARIETTA PA 17547-0302 7174261931 1195 RIVER ROAD BOX 302 MARIETTA PA 17547 10-K 1 d54732_10-k.txt EX-99.10(L) 3 ex-10l.txt EX-99.10(R) 4 ex-10r.txt EX-99.13 5 ex-13.txt EX-99.21 6 d54732_ex21.txt EX-99.23 7 d54732_ex23.txt EX-99.1 8 d54732_ex99-1.txt EX-99.2 9 d54732_ex99-2.txt