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



                                  July 28, 2004
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                Date of Report (Date of earliest event reported)



                             INVESTORS TITLE COMPANY
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             (Exact name of Registrant as specified in its charter)



     North Carolina                    0-11774                   56-1110199
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(State or Other Jurisdiction of       (Commission             (I.R.S. Employer
Incorporation or Organization)        File Number)          Identification No.)



                            121 North Columbia Street
                        Chapel Hill, North Carolina 27514
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                    (Address of Principal Executive Offices)



                                 (919) 968-2200
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               Registrant's telephone number, including area code













ITEM 12.  DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION.


         Attached as Exhibit 99.1 and incorporated herein by reference is a copy
of the press release of Investors Title Company, dated July 28, 2004, reporting
Investors Title Company's financial results for the fiscal quarter ended June
30, 2004.

         The information in this Current Report is being furnished and shall not
be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act
of 1934 (the "Exchange Act"), or otherwise subject to the liabilities of that
Section, nor shall it be deemed to be incorporated by reference in any filing
under the Securities Act of 1933 or the Exchange Act, regardless of any general
incorporation language in such filing.



                                   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.


                                     INVESTORS TITLE COMPANY


Date:  July 28, 2004                 By:  /s/ James A. Fine, Jr.
                                          ----------------------
                                          James A. Fine, Jr.
                                          President, Treasurer and
                                          Chief Financial Officer







                                  EXHIBIT INDEX



Exhibit No.    Description
-----------    -----------

99.1           Press release issued by Investors Title Company on July 28, 2004.