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))
<PAGE>

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.
<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.

                                       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)
<PAGE>

                                 EXHIBIT INDEX

Exhibit No.    Exhibit Title
-----------    -------------
      99.1     21st Century Holding Company Press Release, dated July 18, 2005.
{"company-data": {"conformed-name": "21ST CENTURY HOLDING CO", "cik": "0001069996", "assigned-sic": "6331", "irs-number": "650248866", "state-of-incorporation": "FL", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-25001", "film-number": "05966149"}, "business-address": {"street1": "3661 WEST OAKLAND PARK BLVD", "street2": "SUITE 300", "city": "LAUDERDALE LAKES", "state": "FL", "zip": "33311", "phone": "9545819993"}, "mail-address": {"street1": "3661 WEST OAKLAND PARK BLVD", "street2": "SUITE 300", "city": "LAUDERDALE LAKES", "state": "FL", "zip": "33311"}}
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.