<TABLE> <S> <C>

<ARTICLE> 7

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<PERIOD-END>                               SEP-30-2000
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<DEBT-MARKET-VALUE>                                  0
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<UNEARNED-PREMIUMS>                         79,187,553
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                                0
                                  3,162,000
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                                 114,292,913
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<INCOME-PRETAX>                           (14,427,304)
<INCOME-TAX>                               (5,627,747)
<INCOME-CONTINUING>                                  0
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<CHANGES>                                            0
<NET-INCOME>                               (8,799,557)
<EPS-BASIC>                                      (.45)
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<PAYMENTS-CURRENT>                                   0
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<RESERVE-CLOSE>                                      0
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</TABLE>



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