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<TABLE> <S> <C>
<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF CERES GROUP, INC. AND SUBSIDIARIES FOR THE
NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE BY TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000215403
<NAME> Ceres Group
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<DEBT-HELD-FOR-SALE> 384,771
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 0
<MORTGAGE> 91
<REAL-ESTATE> 0
<TOTAL-INVEST> 395,512
<CASH> 72,500
<RECOVER-REINSURE> 0
<DEFERRED-ACQUISITION> 47,948
<TOTAL-ASSETS> 866,633
<POLICY-LOSSES> 410,091
<UNEARNED-PREMIUMS> 43,672
<POLICY-OTHER> 178,695
<POLICY-HOLDER-FUNDS> 22,678
<NOTES-PAYABLE> 8,054
0
7,500
<COMMON> 17
<OTHER-SE> 79,694
<TOTAL-LIABILITY-AND-EQUITY> 866,633
364,504
<INVESTMENT-INCOME> 19,322
<INVESTMENT-GAINS> 35
<OTHER-INCOME> 26,975
<BENEFITS> 275,599
<UNDERWRITING-AMORTIZATION> (21,570)
<UNDERWRITING-OTHER> 137,841
<INCOME-PRETAX> 18,966
<INCOME-TAX> 6,638
<INCOME-CONTINUING> 12,328
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 12,328
<EPS-BASIC> 0.84
<EPS-DILUTED> 0.79
<RESERVE-OPEN> 0
<PROVISION-CURRENT> 0
<PROVISION-PRIOR> 0
<PAYMENTS-CURRENT> 0
<PAYMENTS-PRIOR> 0
<RESERVE-CLOSE> 0
<CUMULATIVE-DEFICIENCY> 0
</TABLE>
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