<TABLE> <S> <C>
<ARTICLE> 7
<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> 12090983
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 808
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 12091791
<CASH> 1070252
<RECOVER-REINSURE> 40051
<DEFERRED-ACQUISITION> 325522
<TOTAL-ASSETS> 16060065
<POLICY-LOSSES> 3699130
<UNEARNED-PREMIUMS> 225824
<POLICY-OTHER> 3293540
<POLICY-HOLDER-FUNDS> 195041
<NOTES-PAYABLE> 0
0
0
<COMMON> 466239
<OTHER-SE> 6758676
<TOTAL-LIABILITY-AND-EQUITY> 16060065
26433690
<INVESTMENT-INCOME> 648611
<INVESTMENT-GAINS> (103784)
<OTHER-INCOME> 0
<BENEFITS> 16854826
<UNDERWRITING-AMORTIZATION> 26664
<UNDERWRITING-OTHER> 3237052
<INCOME-PRETAX> 1928137
<INCOME-TAX> (637392)
<INCOME-CONTINUING> 2565529
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2565529
<EPS-BASIC> .11
<EPS-DILUTED> .11
<RESERVE-OPEN> 2729175
<PROVISION-CURRENT> 0
<PROVISION-PRIOR> 0
<PAYMENTS-CURRENT> 14854283
<PAYMENTS-PRIOR> 2078469
<RESERVE-CLOSE> 2504350
<CUMULATIVE-DEFICIENCY> 650706
</TABLE>