FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * ZMOLEK DOUGLAS J   2. Issuer Name and Ticker or Trading Symbol EMC INSURANCE GROUP INC [EMCI] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner _____ Officer (give title below) __X__ Other (specify below) Retired Vice Pres. Parent Co (Last) (First) (Middle) 8030 WISTFUL VISTA DR 3. Date of Earliest Transaction (Month/Day/Year) 11/29/2005 (Street) WEST DES MOINES, IA 50266 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price EMC Insurance Group Inc. Common Stock 11/29/2005   M   1,000 A $ 13.25 12,633 D   EMC Insurance Group Inc. Common Stock 11/29/2005   M   1,500 A $ 13.6875 14,133 D   EMC Insurance Group Inc. Common Stock 11/29/2005   M   1,000 A $ 16.875 15,133 D

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

ISO Right to Buy

$ 13.25

11/29/2005

M

1,000

09/30/2005(1)

12/29/2005(2)

Common Stock

0

$ 0

2,500 (3)

D

ISO Right to Buy

$ 13.6875

11/29/2005

M

1,500

09/30/2005(1)

12/29/2005(2)

Common Stock

0

$ 0

2,500 (3)

D

ISO Right to Buy

$ 16.875

11/29/2005

M

1,000

09/30/2005(1)

12/29/2005(2)

Common Stock

0

$ 0

2,500 (3)

D

ISO Right to Buy

$ 18.3

09/30/2005(1)

12/29/2005(2)

Common Stock

1,500

2,500 (3)

D

ISO Right to Buy

$ 22.28

09/30/2005(1)

12/29/2005(2)

Common Stock

1,000

2,500 (3)

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
ZMOLEK DOUGLAS J 8030 WISTFUL VISTA DR WEST DES MOINES, IA 50266				Retired Vice Pres. Parent Co

Signatures

Douglas J. Zmolek		11/30/2005
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Upon reporting person's retirement, all options become fully vested in accordance with the Company's 1993 and 2003 ISO Plan.
(2)	Upon reporting person's retirement, he shall have a period of 3 months to exercise options in accordance with the Company's 1993 and 2003 ISO Plans.
(3)	Aggregate total of options to buy is 2,500: 1,500 options under the 1993 ISO Plan and 1,000 under the 2003 ISO Plan.

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