UNITED STATES                        OMB APPROVAL
                SECURITIES AND EXCHANGE COMMISSION     OMB Number: 3235-0058
                      Washington, D.C. 20549         Expires: March 31, 2006 
                                                    Estimated average burden
                            FORM 12b-25             hours per response  2.50
                                                         SEC FILE NUMBER
                      NOTIFICATION OF LATE FILING           0-25679      
                                                           CUSIP NUMBER
                                                             31848-M


                                          
 
(Check one): Form 10-K Form 20-F Form 11-K XForm 10-Q Form N-SAR Form N-CSR
            For Period Ended: September 30, 2005
               Transition Report on Form 10-K 
               Transition Report on Form 20-F 
               Transition Report on Form 11-K 
               Transition Report on Form 10-Q 
               Transition Report on Form N-SAR 
               For the Transition Period Ended: 

Read Instruction (on back page) Before Preparing Form. Please Print or Type. 
Nothing in this form shall be construed to imply that the Commission has 
verified any information contained herein. 

If the notification relates to a portion of the filing checked above, 
identify the Item(s) to which the notification relates:

PART I REGISTRANT INFORMATION 

First American Capital Corporation
Full Name of Registrant 

Former Name if Applicable

1303 SW First American Place
Address of Principal Executive Office (Street and Number) 

Topeka, KS 66604
City, State and Zip Code 

PART II  RULES 12b-25(b) AND (c) 

If the subject report could not be filed without unreasonable effort or 
expense and the registrant seeks relief pursuant to Rule 12b-25(b), the 
following should be completed. (Check box if appropriate) 

   (a) The reason described in reasonable detail in Part III of this form 
       could not be eliminated without unreasonable effort or expense 

X  (b) The subject annual report, semi-annual report, transition report on 
       Form 10-K, Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or 
       portion thereof, will be filed on or before the fifteenth calendar 
       day following the prescribed due date; or the subject quarterly 
       report or transition report on Form 10-Q, or portion thereof, will 
       be filed on or before the fifth calendar day following the 
       prescribed due date; and 

   (c) The accountant's statement or other exhibit required by Rule 
       12b-25(c) has been attached if applicable. 

PART III  NARRATIVE 

State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10-Q, N-SAR, 
N-CSR, or the transition report or portion thereof, could not be filed 
within the prescribed time period.

The Company is reviewing the accounting impact of a reinsurance agreement
that it entered into on September 29, 2005.  Due to the complexity of the
calculations involved, the Company has been unable to finalize its
financial statements in the normal timeframe.  Management will review the
accounting impact with the Audit Committee of the Board of Directors on
November 17, 2005, with financial statements being finalized by the
extended filing deadline of November 19, 2005.

Persons who are to respond to the collection of information contained in 
this form are not required to respond unless the form displays a currently 



valid OMB control number.

PART IV  OTHER INFORMATION 
(1) Name and telephone number of person to contact in regard to this 
    notification 

Patrick A. Tilghman (Treasurer & CFO)    785         267-7077  
(Name)                                  (Area Code) (Telephone Number)

(2) Have all other periodic reports required under Section 13 or 15(d) 
    of the Securities Exchange Act of 1934 or Section 30 of the 
    Investment Company Act of 1940 during the preceding 12 months or 
    for such shorter period that the registrant was required to file 
    such report(s) been filed ? If answer is no, identify report(s). 

                                                       YesX No 

(3) Is it anticipated that any significant change in results of 
    operations from the corresponding period for the last fiscal year
    will be reflected by the earnings statements to be included in 
    the subject report or portion thereof ? 

                                                       Yes  NoX 

    If so, attach an explanation of the anticipated change, both 
    narratively and quantitatively, and, if appropriate, state the 
    reasons why a reasonable estimate of the results cannot be made. 

                First American Capital Corporation
           (Name of Registrant as Specified in Charter) 

has caused this notification to be signed on its behalf by the undersigned 
hereunto duly authorized. 

Date November 11, 2005        By  /s/ Patrick A. Tilghman
 
INSTRUCTION: The form may be signed by an executive officer of the 
registrant or by any other duly authorized representative. The name 
and title of the person signing the form shall be typed or printed 
beneath the signature. If the statement is signed on behalf of the 
registrant by an authorized representative (other than an executive 
officer), evidence of the representative's authority to sign on behalf 
of the registrant shall be filed with the form. 

ATTENTION 
Intentional misstatements or omissions of fact constitute Federal 
Criminal Violations (See 18 U.S.C. 1001). 

GENERAL INSTRUCTIONS 

1. This form is required by Rule 12b-25 (17 CFR 240.12b-25) of the 
General Rules and Regulations under the Securities Exchange Act of 1934. 

2. One signed original and four conformed copies of this form and 
amendments thereto must be completed and filed with the Securities and 
Exchange Commission, Washington, D.C. 20549, in accordance with Rule 
0-3 of the General Rules and Regulations under the Act. The information 
contained in or filed with the form will be made a matter of public 
record in the Commission files. 

3. A manually signed copy of the form and amendments thereto shall 
be filed with each national securities exchange on which any class of 
securities of the registrant is registered. 

4. Amendments to the notifications must also be filed on Form 12b-25 
but need not restate information that has been correctly furnished. The 
form shall be clearly identified as an amended notification. 

5. Electronic Filers: This form shall not be used by electronic filers 
unable to timely file a report solely due to electronic difficulties. 
Filers unable to submit reports within the time period prescribed due 
to difficulties in electronic filing should comply with either Rule 201 
or Rule 202 of Regulation S-T (section 232.201 or section 232.202 of 
this chapter) or apply for an adjustment in filing date pursuant to 
Rule 13(b) of Regulation S-T (section 232.13(b) of this chapter).