<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 NINE MONTHS
ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<DEBT-HELD-FOR-SALE>                       114,042,982
<DEBT-CARRYING-VALUE>                       15,059,596
<DEBT-MARKET-VALUE>                         15,027,269
<EQUITIES>                                   3,708,419
<MORTGAGE>                                   2,275,746
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             147,094,563
<CASH>                                       1,248,678
<RECOVER-REINSURE>                           4,945,346
<DEFERRED-ACQUISITION>                      45,870,375
<TOTAL-ASSETS>                             204,780,346
<POLICY-LOSSES>                            131,231,149
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
                                0
                                          0
<COMMON>                                     6,754,504
<OTHER-SE>                                  53,287,892
<TOTAL-LIABILITY-AND-EQUITY>               204,780,346
                                  19,282,311
<INVESTMENT-INCOME>                          7,425,283
<INVESTMENT-GAINS>                             237,485
<OTHER-INCOME>                               2,927,534
<BENEFITS>                                  13,905,360
<UNDERWRITING-AMORTIZATION>                  2,165,874
<UNDERWRITING-OTHER>                         5,466,010
<INCOME-PRETAX>                              8,335,369
<INCOME-TAX>                                 2,625,679
<INCOME-CONTINUING>                          5,709,690
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,709,690
<EPS-BASIC>                                       0.90
<EPS-DILUTED>                                     0.88
<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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