Ownership Submission
FORM 5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Form 3 Holdings Reported
Form 4 Transactions Reported
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL 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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1. Name and Address of Reporting Person *
SCHARMER NEAL R
2. Issuer Name and Ticker or Trading Symbol
UNITED FIRE & CASUALTY CO [UFCS]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
VP/General Counsel/Corp Sec
(Last)
(First)
(Middle)

118 SECOND AVENUE SE, P.O. BOX 73909
3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2009
(Street)


CEDAR RAPIDS, IA 52407-3909
4. If Amendment, Date Original Filed(Month/Day/Year)
6. Individual or Joint/Group Reporting
(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 at end of Issuer's Fiscal Year
(Instr. 3 and 4)
6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)
7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Common Stock 07/15/2009   P(1) 4 (2) A $ 18.38 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 07/31/2009   P(1) 5 (2) A $ 17.47 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 08/14/2009   P(1) 4 (2) A $ 19.31 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 08/31/2009   P(1) 4 (2) A $ 20.01 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 09/15/2009   P(1) 4 (2) A $ 20 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 09/30/2009   P(1) 5 (2) A $ 17.9 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 10/16/2009   P(1) 4 (2) A $ 20.44 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 10/30/2009   P(1) 5 (2) A $ 17.48 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 11/13/2009   P(1) 5 (2) A $ 17.18 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 11/30/2009   P(1) 5 (2) A $ 17.18 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 12/15/2009   P(1) 5 (2) A $ 17.58 (3) 1,995 (4) (5) I By 401(k) Plan for self
Common Stock 12/31/2009   P(1) 5 (2) A $ 18.23 (3) 1,995 (4) (5) I By 401(k) Plan for self

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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 at End of Issuer's Fiscal Year
(Instr. 4)
10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)
11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
SCHARMER NEAL R
118 SECOND AVENUE SE
P.O. BOX 73909
CEDAR RAPIDS, IA 52407-3909
      VP/General Counsel/Corp Sec  

Signatures

/s/ Neal R. Scharmer by Dianne M. Lyons, Attorney-in-Fact 02/12/2010
**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) This transaction is reported on Form 5 pursuant to Rule 16a-6 of the Securities Exchange Act of 1934.
(2) Represents the approximate number of shares acquired by the trustee of the Company's 401(k) plan for Mr. Scharmer's benefit, based on a statement by the plan trustee.
(3) The price per share represents the purchase price of shares acquired by the trustee of the Company's 401(k) plan, based on a statement of the plan trustee.
(4) The number of securities shown as being held in or acquired or disposed of by the Company's 401(k) plan for Mr. Scharmer's benefit is the approximate number of shares of common stock for which Mr. Scharmer has the right to vote under the 401(k) plan. Such shares are not directly allocated to plan participants, but are instead held in a unitized fund consisting primarily of Company common stock, together with a small percentage of short-term investments. 401(k) plan participants acquire units in this fund.
(5) The amount of securities beneficially held at 12/31/2009 after all reported transactions includes: 1,268 shares of restricted stock issued under the Company's 2008 Stock Plan, which vest, subject to certain conditions, on 05/21/2013; 637 shares held in the Company's Employee Stock Ownership Plan for Mr. Scharmer's benefit; and approximately 90 shares held in a Company 401(k) account for Mr. Scharmer's benefit, based on a statement of the plan trustee.

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