<TABLE> <S> <C>
<ARTICLE> 7
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<DEBT-HELD-FOR-SALE> 103,348,593
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 52,500
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 100,401,093
<CASH> 265,247
<RECOVER-REINSURE> 5,032,762
<DEFERRED-ACQUISITION> 4,488,023
<TOTAL-ASSETS> 119,905,343
<POLICY-LOSSES> 39,666,236
<UNEARNED-PREMIUMS> 16,921,362
<POLICY-OTHER> 2,520,493
<POLICY-HOLDER-FUNDS> 0
<NOTES-PAYABLE> 0
0
0
<COMMON> 2,588,462
<OTHER-SE> 51,854,072
<TOTAL-LIABILITY-AND-EQUITY> 119,905,343
13,256,333
<INVESTMENT-INCOME> 3,038,714
<INVESTMENT-GAINS> 0
<OTHER-INCOME> 3,314,359
<BENEFITS> 9,690,427
<UNDERWRITING-AMORTIZATION> 4,106,567
<UNDERWRITING-OTHER> 4,175,627
<INCOME-PRETAX> 1,636,785
<INCOME-TAX> 389,704
<INCOME-CONTINUING> 1,247,081
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,247,081
<EPS-BASIC> 0.20
<EPS-DILUTED> 0.20
<RESERVE-OPEN> 0
<PROVISION-CURRENT> 0
<PROVISION-PRIOR> 0
<PAYMENTS-CURRENT> 0
<PAYMENTS-PRIOR> 0
<RESERVE-CLOSE> 0
<CUMULATIVE-DEFICIENCY> 0
</TABLE>