<TABLE> <S> <C>
<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
June 30, 2000 balance sheet and income statement and is qualified in its
entirety by reference.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<DEBT-HELD-FOR-SALE> 274,421,775
<DEBT-CARRYING-VALUE> 122,505,743
<DEBT-MARKET-VALUE> 122,002,675
<EQUITIES> 33,455,990
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 443,189,332
<CASH> 1,054,879
<RECOVER-REINSURE> 9,981,720
<DEFERRED-ACQUISITION> 14,883,513
<TOTAL-ASSETS> 502,347,713
<POLICY-LOSSES> 269,686,883
<UNEARNED-PREMIUMS> 70,418,517
<POLICY-OTHER> 0
<POLICY-HOLDER-FUNDS> 622,637
<NOTES-PAYABLE> 0
0
0
<COMMON> 11,290,384
<OTHER-SE> 131,716,904
<TOTAL-LIABILITY-AND-EQUITY> 502,347,713
108,559,766
<INVESTMENT-INCOME> 14,179,642
<INVESTMENT-GAINS> 329,253
<OTHER-INCOME> 993,051
<BENEFITS> 88,873,179
<UNDERWRITING-AMORTIZATION> 24,197,575
<UNDERWRITING-OTHER> 7,993,748
<INCOME-PRETAX> 1,709,712
<INCOME-TAX> (103,306)
<INCOME-CONTINUING> 1,813,018
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,813,018
<EPS-BASIC> .16
<EPS-DILUTED> .16
<RESERVE-OPEN> 266,514,024
<PROVISION-CURRENT> 92,027,092
<PROVISION-PRIOR> (3,153,914)
<PAYMENTS-CURRENT> 29,659,991
<PAYMENTS-PRIOR> 54,999,680
<RESERVE-CLOSE> 269,686,883
<CUMULATIVE-DEFICIENCY> (3,153,914)
</TABLE>