SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934

Date of Report (Date of earliest event reported) November 14, 2003

STANDARD MANAGEMENT CORPORATION

(Exact name of registrant as specified in its charter)

Indiana	0-20882	35-1773567
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

10689 North Pennsylvania, Indianapolis, Indiana	46280
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code (317) 574-6200

N/A

(Former name or former address, if changed since last report)

TABLE OF CONTENTS

EX-99.1 PRESS RELEASE DATED NOVEMBER 14, 2003

Item 7 – Financial Statements and Exhibits.

(c)	Exhibits. The following exhibits are filed with this Report:
	99.1 — Press Release of Standard Management Corporation (November 14, 2003)

Item 12 – Results of Operation and Financial Condition.

     Standard Management Corporation is filing as Exhibit 99.1 to this Form 8-K a press release issued on November 14, 2003 announcing its financial results for the third quarter of 2003.

     The information in this report and the exhibit is furnished to, and not filed with, the Securities and Exchange Commission and shall not be incorporated by reference into any registration statement filed by Standard Management Corporation under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

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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.

	STANDARD MANAGEMENT CORPORATION
	By:	/s/ Stephen M. Coons Name: Stephen M. Coons Title: Executive Vice President and General Counsel
Dated: November 19, 2003

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