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<SEC-DOCUMENT>0001021771-04-000180.txt : 20041115
<SEC-HEADER>0001021771-04-000180.hdr.sgml : 20041115
<ACCEPTANCE-DATETIME>20041115134330
ACCESSION NUMBER:		0001021771-04-000180
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041115
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20041115
DATE AS OF CHANGE:		20041115

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			DCAP GROUP INC/
		CENTRAL INDEX KEY:			0000033992
		STANDARD INDUSTRIAL CLASSIFICATION:	INSURANCE AGENTS BROKERS & SERVICES [6411]
		IRS NUMBER:				362476480
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-01665
		FILM NUMBER:		041143657

	BUSINESS ADDRESS:	
		STREET 1:		90 MERRICK AVE
		STREET 2:		9TH FLOOR
		CITY:			EAST MEADOW
		STATE:			NY
		ZIP:			11554
		BUSINESS PHONE:		5167946300

	MAIL ADDRESS:	
		STREET 1:		90 MERRICK AVE 9TH FLOOR
		STREET 2:		90 MERRICK AVE 9TH FLOOR
		CITY:			EAST MEADOW
		STATE:			NY
		ZIP:			11554

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EXTECH CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EXECUTIVE HOUSE INC
		DATE OF NAME CHANGE:	19911119
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>k8111504.txt
<DESCRIPTION>FORM 8-K DATED NOVEMBER 15, 2004
<TEXT>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                 ---------------
                                    FORM 8-K


                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                        Date of Report: November 15, 2004
                        (Date of earliest event reported)


                                DCAP GROUP, INC.
                                ----------------
               (Exact Name of Registrant as Specified in Charter)


         Delaware                     0-1665                36-2476480
- ----------------------------          ------                ----------
(State or Other Jurisdiction  (Commission File No.) (IRS Employer Identification
of Incorporation)                                    Number)


                        1158 Broadway, Hewlett, NY         11557
                        ------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)


       Registrant's telephone number, including area code: (516) 374-7600
                                                           --------------

     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

___  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425)

___  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

___  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b))

___  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.13e-4(c))

<PAGE>

Item 2.02.     Results of Operations and Financial Condition.

               On November 15, 2004,  DCAP Group,  Inc.  issued a press  release
announcing  its financial  results for the fiscal  quarter  ended  September 30,
2004. A copy of the press release is furnished as Exhibit 99.1 hereto.


Item 9.01.     Financial Statements and Exhibits.

(c)            Exhibits

               99.1 Press  Release,  dated  November  15,  2004,  issued by DCAP
                    Group, Inc.


<PAGE>

                                   SIGNATURES

               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.


                                                     DCAP GROUP, INC.


Dated:  November 15, 2004                            By: /s/ Barry B. Goldstein
                                                        -----------------------
                                                        Barry B. Goldstein
                                                        President



</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99-1.txt
<DESCRIPTION>EX. 99-1 PRESS RELEASE DATED NOVEMBER 15, 2004
<TEXT>
FOR:       DCAP Group, Inc. - NASDAQ: DCAP
CONTACT:   Barry B. Goldstein
           (516) 374-7600


              DCAP Third Quarter Operating Income Increases Tenfold
                               as Revenues Double
                      Tenth Consecutive Profitable Quarter

- -------------------------
Hewlett,  NY--November 15, 2004 - DCAP Group, Inc.  (NASDAQ:  DCAP), the largest
chain of  independent  storefront  insurance  agencies in the  Northeast,  today
reported its results for the third quarter of fiscal 2004.

Results of Operations
Company highlights for the third quarter include:

o Revenue  increase of 100%- $3.95  million  versus  $1.96  million in the third
quarter of 2003,
o Operating income of $552,000 versus $47,000 in the third quarter of 2003,
o Earnings  per common  share  (basic) of $.15 vs. $.12 in the third  quarter of
2003 (for the 2003 period, excluding the income tax benefit of $189,000 and gain
on sale of book of business of $89,000,  earnings per common share (basic) would
have been $.01).

"We continue to meet the financial benchmarks we set at the start of 2004," said
Barry B. Goldstein, Chairman and Chief Executive Officer. "Our revenue increases
continue to translate into substantive bottom line gains. We view ourselves as a
premier distribution vehicle for our carrier partners,  and look forward to more
profitable relationships for our company-owned as well as franchised storefronts
in 2005."

"With our stock now trading on NASDAQ and our  consistently  strong results,  we
have increased our focus on formulating our expansion plans for 2005 and beyond"
added  Jack  Willis,   Chief  Operating  Officer.   "Our  goal  is  to  use  our
infrastructure and operating  efficiencies to support accelerated growth for the
foreseeable future. "

"We  anticipate  $1.4-$1.6  million  in net  income  for 2004.  This  equates to
earnings  per  common  share  (basic)  of  from  $.56 to $.64  for  2004",  said
Goldstein.




- --------------------------------------------------------------------------------
About DCAP Group:

DCAP Group,  Inc.  is the  largest  chain of  independent  storefront  insurance
agencies in the  Northeast.  DCAP is focused on  building  the  business  into a
community-based,  vertically

<PAGE>

integrated  one-stop  financial  services  center.  The Company  offers  several
services to its retail customers at the most  competitive  rates with a complete
portfolio of insurance  and related  products and  services,  including  premium
financing. DCAP currently provides car, motorcycle, homeowner, business and life
insurance products from a number of major carriers.  The Company also offers tax
return  preparation  services.  The  Company's  storefront  agencies are located
throughout the New York City  metropolitan  area and upstate New York as well as
in New Jersey and  Pennsylvania.  More information is available at the Company's
website at www.dcapgroup.com.

Forward Looking Statements:  Statements in this press release, other than purely
historical  information,  including  those  contained in the  comments  above by
management and the comments  regarding the Company's future plans and objectives
and expected  operating  results,  and statements of the assumptions  underlying
such statements,  constitute  forward-looking  statements  within the meaning of
Section  21E  of  the  Securities  Exchange  Act of  1934.  The  forward-looking
statements  contained  herein are based on certain  assumptions  that may not be
correct. They are subject to all of the risks and uncertainties  incident to the
Company's business that are described in the reports and statements filed by the
Company with the Securities and Exchange  Commission,  including  (among others)
those  listed in the  Company's  Form 10-KSB and the Form 10-QSB for the quarter
ended September 30, 2004.


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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