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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                  SCHEDULE 13G

                   Under the Securities Exchange Act of 1934

                             (Amendment No. _____)*


                                ACMAT CORPORATION
- --------------------------------------------------------------------------------
                                (Name of Issuer)




                       CLASS A COMMON STOCK, NO PAR VALUE
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   004616 20 7
- --------------------------------------------------------------------------------
                                 (CUSIP Number)



Check the following box if a fee is being paid with this statement [x]. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

                               Page 1 of 12 pages
   2
- ----------------------
CUSIP NO. 004616 20 7
- ----------------------

- --------------------------------------------------------------------------------
 1.      NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         American International Group, Inc.
         I.R.S. Identification No. 13-2592361
- --------------------------------------------------------------------------------
 2.      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

                                              (a)  / /

                                              (b)  / /

- --------------------------------------------------------------------------------
 3.      SEC USE ONLY

- --------------------------------------------------------------------------------
 4.      CITIZENSHIP OR PLACE OF ORGANIZATION

         Incorporated under the laws of the State of Delaware
- --------------------------------------------------------------------------------
                           5.       SOLE VOTING POWER
  NUMBER OF                                 0
    SHARES                 -----------------------------------------------------
BENEFICIALLY               6.       SHARED VOTING POWER
  OWNED BY                            149,997
    EACH                   -----------------------------------------------------
 REPORTING                 7.       SOLE DISPOSITIVE POWER
   PERSON                                   0
    WITH                   -----------------------------------------------------
                           8.       SHARED DISPOSITIVE POWER
                                      149,997
- --------------------------------------------------------------------------------
 9.      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
         PERSON
                                      149,997
- --------------------------------------------------------------------------------
10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
         CERTAIN SHARES
                                                     / /
- --------------------------------------------------------------------------------
11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

                                       5.63%
- --------------------------------------------------------------------------------
12.      TYPE OF REPORTING PERSON

                                        HC
- --------------------------------------------------------------------------------



                               Page 2 of 12 pages
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- ----------------------
CUSIP NO. 004616 20 7
- ----------------------
- --------------------------------------------------------------------------------
 1.      NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         American International Life Assurance Company of New York
         I.R.S. Identification No. 13-6101875
- --------------------------------------------------------------------------------
 2.      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP

                                                  (a)  / /

                                                  (b)  / /
- --------------------------------------------------------------------------------
 3.      SEC USE ONLY

- --------------------------------------------------------------------------------
 4.      CITIZENSHIP OR PLACE OF ORGANIZATION

         Incorporated under the laws of the State of New York
- --------------------------------------------------------------------------------
                           5.       SOLE VOTING POWER
  NUMBER OF                                 0
    SHARES                 -----------------------------------------------------
BENEFICIALLY               6.       SHARED VOTING POWER
  OWNED BY                             99,999
    EACH                   -----------------------------------------------------
 REPORTING                 7.       SOLE DISPOSITIVE POWER
   PERSON                                   0
    WITH                   -----------------------------------------------------
                           8.       SHARED DISPOSITIVE POWER
                                       99,999
- --------------------------------------------------------------------------------
 9.      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
         PERSON
                                       99,999
- --------------------------------------------------------------------------------
10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
         CERTAIN SHARES
                                                                / /
- --------------------------------------------------------------------------------
11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

                                       3.75%
- --------------------------------------------------------------------------------
12.      TYPE OF REPORTING PERSON

                                        IC
- --------------------------------------------------------------------------------


                               Page 3 of 12 pages
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- ----------------------
CUSIP NO. 004616 20 7
- ----------------------
- --------------------------------------------------------------------------------
 1.      NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

         AIG Life Insurance Company
         I.R.S. Identification No. 25-1118523
- --------------------------------------------------------------------------------
 2.      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                  (a)  / /

                                                  (b)  / /
- --------------------------------------------------------------------------------
 3.      SEC USE ONLY

- --------------------------------------------------------------------------------
 4.      CITIZENSHIP OR PLACE OF ORGANIZATION

         Organized under the laws of the Commonwealth of Pennsylvania
- --------------------------------------------------------------------------------
                           5.       SOLE VOTING POWER
  NUMBER OF                                 0
    SHARES                 -----------------------------------------------------
BENEFICIALLY               6.       SHARED VOTING POWER
  OWNED BY                            49,998
    EACH                   -----------------------------------------------------
 REPORTING                 7.       SOLE DISPOSITIVE POWER
   PERSON                                   0
    WITH                   -----------------------------------------------------
                           8.       SHARED DISPOSITIVE POWER
                                       49,998
- --------------------------------------------------------------------------------
 9.      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
         PERSON
                                       49,998
- --------------------------------------------------------------------------------
10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
         CERTAIN SHARES
                                                                 / /
- --------------------------------------------------------------------------------
11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

                                       1.88%
- --------------------------------------------------------------------------------
12.      TYPE OF REPORTING PERSON

                                        IC
- --------------------------------------------------------------------------------

                               Page 4 of 12 pages
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ITEM 1(a).                 NAME OF ISSUER:

                           ACMAT Corporation

ITEM 1(b).                 ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

                           233 Main Street
                           New Britain, Connecticut 06050-2350

ITEM 2(a).                 NAME OF PERSON(S) FILING:

                           American International Group, Inc.

                           American International Life Assurance
                             Company of New York

                           AIG Life Insurance Company

ITEM 2(b).                 ADDRESS OF PRINCIPAL BUSINESS OFFICE(S):

                           American International Group, Inc.
                           70 Pine Street
                           New York, New York  10270

                           American International Life Assurance
                             Company of New York
                           70 Pine Street
                           New York, New York  10270

                           AIG Life Insurance Company
                           70 Pine Street
                           New York, New York  10270

ITEM 2(c).                 CITIZENSHIP:

                           The information requested hereunder is set forth
                           under Item 4 of the cover pages to this Schedule 13G.

ITEM 2(d).                 TITLE OF CLASS OF SECURITIES:

                           Class A Common Stock, No Par Value

ITEM 2(e).                 CUSIP NUMBER:

                           004616 20 7


                               Page 5 of 12 pages
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ITEM 3.                    TYPE OF PERSONS FILING:

                           American International Group, Inc.:

                           (g)      Parent Holding Company, in accordance with
                                    Rule 13d-1(b)(ii)(G) promulgated under the
                                    Securities Exchange Act of 1934, as
                                    amended (the "Act")

                           American International Life Assurance Company of 
                           New York:

                           (c)      Insurance Company as defined in Section
                                    3(a)(19) of the Act

                           AIG Life Insurance Company:

                           (c)      Insurance Company as defined in Section
                                    3(a)(19) of the Act 

ITEM 4.                    OWNERSHIP.

                           (a) through (c). The information requested hereunder
                           is set forth, as of December 31, 1995, under Items 5
                           through 9 and Item 11 of the cover pages to this
                           Schedule 13G.

                           In addition, as of March 31, 1996:

                                    (i) American International Life Assurance
                           Company of New York beneficially owned an additional
                           33,333 shares of the class with respect to which it
                           has (a) shared power to vote or to direct the vote
                           and (b) shared power to dispose of or to direct the
                           disposition of such shares with American
                           International Group, Inc.;

                                    (ii) AIG Life Insurance Company beneficially
                           owned an additional 16,666 shares of the class with
                           respect to which it has (a) shared power to vote or
                           to direct the vote and (b) shared power to dispose of
                           or to direct the disposition of such shares with
                           American International Group, Inc.; and

                                    (iii) American International Group, Inc.
                           beneficially owned an additional 49,999 shares of the
                           class consisting of (A) the 33,333 additional shares
                           of the class beneficially owned by American
                           International Life Assurance Company of New York and
                           (B) the 16,666 additional shares of the class
                           beneficially owned by AIG Life Insurance Company,
                           referred to in paragraphs (i) and (ii) above. With
                           respect to such additional shares of the class,


                               Page 6 of 12 pages
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                           American International Group, Inc. has (a) shared
                           power to vote or to direct the vote and (b) shared
                           power to dispose of or to direct the disposition of
                           such shares with American International Life
                           Assurance Company of New York and AIG Life Insurance
                           Company as set forth in the preceding paragraphs (i)
                           and (ii).

ITEM 5.                    OWNERSHIP OF FIVE PERCENT OR LESS OF CLASS.

                           Not applicable.


ITEM 6.                    OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF
                           ANOTHER PERSON.

                           Not applicable.

ITEM 7.                    IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY
                           WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY
                           THE PARENT HOLDING COMPANY.

                           See Exhibit 1 attached hereto for the information
                           requested hereunder with respect to the relevant
                           subsidiaries of American International Group, Inc.

ITEM 8.                    IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE
                           GROUP.

                           Not applicable.

ITEM 9.                    NOTICE OF DISSOLUTION OF GROUP.

                           Not applicable.

                               Page 7 of 12 pages
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ITEM 10.                   CERTIFICATION.

         By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired in the ordinary course of
business and were not acquired for the purpose of and do not have the effect of
changing or influencing the control of the issuer of such securities and were
not acquired in connection with or as a participant in any transaction having
such purpose or effect.

                                    SIGNATURE

         After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.

Date:  April 12, 1996

                                         AMERICAN INTERNATIONAL GROUP, INC.

                                         
                                         By /s/ Kathleen E. Shannon
                                           ------------------------------------
                                           Name: Kathleen E. Shannon
                                           Title: Vice President and
                                                      Secretary



                                         AMERICAN INTERNATIONAL LIFE ASSURANCE
                                         COMPANY OF NEW YORK



                                         By /s/ Jerome T. Muldowney
                                           ------------------------------------
                                           Name: Jerome T. Muldowney
                                           Title: Senior Vice President



                                         AIG LIFE INSURANCE COMPANY



                                         By /s/ Jerome T. Muldowney
                                           ------------------------------------
                                           Name: Jerome T. Muldowney
                                           Title: Senior Vice President


                               Page 8 of 12 pages
   9
                                  EXHIBIT INDEX

Page ---- Exhibit 1 Identification and Classification of the Subsidiary 10 Which Acquired the Security Being Reported on by the Parent Holding Company Exhibit 2 Agreement of Joint Filing 11
Page 9 of 12 pages
   1
                                                                       EXHIBIT 1

IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY
BEING REPORTED ON BY THE PARENT HOLDING COMPANY.


           American International Group, Inc. -- Subsidiary Information


American International Life Assurance Company of New York:

         (c)      Insurance Company as defined in Section 3(a)(19) of the
                  Act

         Category Symbol:        IC


AIG Life Insurance Company:

         (c)      Insurance Company as defined in Section 3(a)(19) of the
                  Act

         Category Symbol:        IC

                               Page 10 of 12 pages
   1
                                                                       EXHIBIT 2

                            AGREEMENT OF JOINT FILING

                  In accordance with Rule 13d-1(f), promulgated under the
Securities Exchange Act of 1934, as amended, each of the undersigned hereby
agrees to the joint filing on behalf of each of them of a Statement on Schedule
13G, and any amendments thereto, with respect to the Class A Common Stock, no
par value, of ACMAT Corporation and that this Agreement may be included as an
Exhibit to such filing.

                  Each of the undersigned parties represents and warrants to the
other that the information contained in any amendment thereto about it will be,
true, correct and complete in all material respects and in accordance with all
applicable laws. Each of the undersigned parties agrees to inform the other of
any changes in such information or of any additional information which would
require any amendment to the Schedule 13G and to promptly file such amendment.

                  Each of the undersigned parties agrees to indemnify the other
for any losses, claims, liabilities or expenses (including reasonable legal fees
and expenses) resulting from, or arising in connection with, the breach by such
party of any of representations, warranties or agreements in this Agreement.

                  This Agreement may be executed in any number of counterparts,
each of which shall be deemed to be an original and all of which together shall
be deemed to constitute one and the same Agreement.

                  IN WITNESS WHEREOF, each of the undersigned hereby executes
this Agreement as of April 1, 1996.

                                             AMERICAN INTERNATIONAL GROUP, INC.

                                             By /s/ Kathleen E. Shannon
                                               -------------------------------
                                               Name: Kathleen E. Shannon
                                               Title: Vice President and
                                                      Secretary

                               Page 11 of 12 pages
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                                             AMERICAN INTERNATIONAL LIFE
                                             ASSURANCE COMPANY OF NEW YORK


                                             By /s/ Jerome T. Muldowney
                                               ------------------------------
                                               Name: Jerome T. Muldowney
                                               Title: Senior Vice President


                                             AIG LIFE INSURANCE COMPANY



                                             By /s/ Jerome T. Muldowney
                                               ------------------------------
                                               Name: Jerome T. Muldowney
                                               Title: Senior Vice President



                               Page 12 of 12 pages