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: July 18, 2005 (Date of earliest event reported) 21ST CENTURY HOLDING COMPANY ---------------------------- (Exact name of registrant as specified in its charter) Florida 0-2500111 65-0248866 ---------------------------- ----------------------- ------------------------ (State or other jurisdiction (Commission (I.R.S. Employer of incorporation) File Number) Identification No.) 3661 West Oakland Park Blvd., Suite 300 Lauderdale Lakes, FL 33311 ------------------------------------------------------ ------------------ (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (954) 581-9993 NOT APPLICABLE ------------------------------------------------------------- (Former Name or Former Address, if Changed Since Last Report) 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 (see General Instruction A.2. below): |_| 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)) Item 7.01 Regulation FD Disclosure On July 18, 2005, 21st Century Holding Company (the "Company") issued a press release to announce claims reported from Florida's panhandle for damages sustained from Hurricane Dennis and reaffirm guidance as previously stated in its press releases dated March 23, 2005 and June 13, 2005. A copy of the press release is attached to this current report on Form 8-K as Exhibit 99.1 and incorporated herein by reference. The information in this Current Report on Form 8-K and Exhibit 99.1 attached hereto is hereby intended to be furnished pursuant to Item 7.01, "Regulation FD Disclosure." Pursuant to general instruction B.2 to Form 8-K, the information furnished pursuant to Item 7.01 shall not be deemed to be "filed" for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section. Item 9.01 Financial Statements and Exhibits. (c) Exhibits. 99.1 21st Century Holding Company Press Release, dated July 18, 2005. 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. 21ST CENTURY HOLDING COMPANY Date: July 21, 2005 By: /s/ James Gordon Jennings, III ---------------------------------- Name: James Gordon Jennings, III Title: Chief Financial Officer (Principal Accounting and Financial Officer) EXHIBIT INDEX Exhibit No. Exhibit Title ----------- ------------- 99.1 21st Century Holding Company Press Release, dated July 18, 2005.