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                   Frontier Adjusters: Dividend News Release

For Immediate Release

Frontier Adjusters of America Delays December 1998 Dividend Payment


PHEONIX, ARIZONA, November 2,1998 - Frontier Adjusters of America, Inc.
(FAJ-AMEX) confirmed today that it would delay declaration of the December 1998
dividend pending completion of its proposed sale of stock to United Financial
Adjusting Company ("UFAC").  Frontier anticipates completing the documentation
of the transaction in November 1998 and submitting the sale to a vote of its
shareholders in early 1999.  Upon approval by Frontier's shareholders, Frontier
will commence a tender offer for up to 1,000,000  shares of its common stock at
a price of  $2.90  per  share  and make a distribution of $1.60  per share not
tendered.

Frontier Adjusters of America, Inc. licenses and franchises independent claims
adjusters with 660 advertised locations in 50 states, the District of Columbia,
and Canada.  Frontier owns and operates independent insurance adjusting
businesses in Arizona and Nevada.

Frontier from time to time makes forward-looking statements in its public
disclosures.  Important risks and uncertainties that could cause Frontier's
results to differ materially from those contained in such forward-looking
statements are detailed in the Company's filings with the Securities and
Exchange Commission, including Frontier's Annual Report on Form 10-K for the
year ended June 30, 1998.

For  further  information  contact  William J. Rocke, Chairman of the Board at
(602) 264-1061.


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