8-K

                       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 (Date of earliest event reported): September 28, 2001


                       FRONTIER ADJUSTERS OF AMERICA, INC.
             (Exact name of registrant as specified in its charter)


           Arizona                      1-12902                 86-0477573
(State or other jurisdiction     (Commission File No.)     (IRS Employer ID No.)
     of incorporation)


                  45 East Monterey Way, Phoenix, Arizona 85011
               (Address of principal executive office) (Zip Code)


       Registrant's telephone number, including area code: (602) 264-1061


                                (Not Applicable)
          (Former name or former address, if changed since last report)

                       FRONTIER ADJUSTERS OF AMERICA, INC.

                                    FORM 8-K

                                 CURRENT REPORT

ITEM 1. CHANGE IN CONTROL OF REGISTRANT

     Frontier Adjusters of America,  Inc., an Arizona corporation  ("Frontier"),
announced  that at a Special  Meeting  of  Frontier's  shareholders,  Frontier's
shareholders  approved  and adopted a Plan and  Agreement of Merger (the "Plan")
and the transactions contemplated by the Plan.

     The Plan was approved and adopted by a vote of approximately  6,680,000 out
of approximately  7,335,000 votes represented at the Special Meeting. The merger
contemplated  by the Plan became  effective on September  28, 2001. As a result,
Merrymeeting  is  Frontier's  sole  shareholder,  and trading has been halted in
Frontier's  common  stock.  Frontier  will cease to be subject to the  reporting
requirements  of the Securities  Exchange Act of 1934, as amended,  90 days from
the  date  that it  files a Form  15.  Frontier  filed a Form 15 with the SEC on
October 1, 2001.

     Under the terms of the Plan, each  outstanding  share of Frontier's  common
stock, other than the shares held by Merrymeeting, Inc., has been converted into
the right to receive $1.58 in cash, without interest.


ITEM 7.(C) EXHIBITS

     Exhibit 20.1 - Press Release dated October 1, 2001

                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly caused this Current  Report on Form 8-K to be signed on its
behalf by the undersigned hereunto duly authorized.


Dated: October 1, 2001                  FRONTIER ADJUSTERS OF AMERICA, INC.



                                        By: /s/ John M. Davies
                                            ------------------------------------
                                            John M. Davies, President

EX-20.1

                                                                    Exhibit 20.1

                              For Immediate Release

FRONTIER  ADJUSTERS OF AMERICA,  INC. ANNOUNCES THAT IT HAS COMPLETED A CASH-OUT
MERGER AND WILL BECOME A PRIVATE COMPANY

PHOENIX,  Arizona,  October  1,  2001 -  Frontier  Adjusters  of  America,  Inc.
("Company")  (AMEX:FAJ)  announced  today  that  at a  Special  Meeting  of  its
shareholders,  a proposal was approved by a vote of approximately 75% of all the
outstanding shares of the Company, with 82% of the outstanding shares voting, to
merge the Company in a cash out merger.  All outstanding  shares in the hands of
the public will be exchanged for $1.58 per share.

Shareholders  will  receive a Letter  of  Exchange  in the mail from U.S.  Stock
Transfer Corporation,  the Company's stock transfer agent, or from their broker,
with detailed instructions of how to receive their cash payment.


FOR FURTHER INFORMATION, CONTACT:       RELEASED BY:

Laurel A. Park, CFO                     Strategic IR, Inc.
(602) 264-1061                          800 Third Avenue, Ste. 3700
                                        New York, NY 10022
                                        (212) 754-6565