<TABLE> <S> <C>

<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF COTTON STATES LIFE INSURANCE COMPANY FOR THE SIX MONTHS
ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<DEBT-HELD-FOR-SALE>                       104,741,934
<DEBT-CARRYING-VALUE>                       15,062,058
<DEBT-MARKET-VALUE>                         14,927,908
<EQUITIES>                                   3,638,036
<MORTGAGE>                                   2,468,620
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             144,203,637
<CASH>                                       1,142,722
<RECOVER-REINSURE>                           4,115,866
<DEFERRED-ACQUISITION>                      44,214,474
<TOTAL-ASSETS>                             199,477,040
<POLICY-LOSSES>                            128,781,273
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
                                0
                                          0
<COMMON>                                     6,754,504
<OTHER-SE>                                  50,737,060
<TOTAL-LIABILITY-AND-EQUITY>               199,477,040
                                  12,510,013
<INVESTMENT-INCOME>                          4,901,244
<INVESTMENT-GAINS>                             243,667
<OTHER-INCOME>                               1,902,717
<BENEFITS>                                   8,673,807
<UNDERWRITING-AMORTIZATION>                  1,699,640
<UNDERWRITING-OTHER>                         3,810,323
<INCOME-PRETAX>                              5,373,871
<INCOME-TAX>                                 1,789,091
<INCOME-CONTINUING>                          3,584,780
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,584,780
<EPS-BASIC>                                        .56
<EPS-DILUTED>                                      .55
<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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