<TABLE> <S> <C>


<ARTICLE>                                           7

<S>                                       <C>
<PERIOD-TYPE>                             3-MOS
<FISCAL-YEAR-END>                                             DEC-31-2000
<PERIOD-END>                                                  JUN-30-2000
<DEBT-HELD-FOR-SALE>                                          105,264,515
<DEBT-CARRYING-VALUE>                                         136,587,402
<DEBT-MARKET-VALUE>                                           134,454,830
<EQUITIES>                                                     13,377,106
<MORTGAGE>                                                              0
<REAL-ESTATE>                                                   2,432,053
<TOTAL-INVEST>                                                267,120,780
<CASH>                                                          1,661,701
<RECOVER-REINSURE>                                                      0
<DEFERRED-ACQUISITION>                                         11,771,006
<TOTAL-ASSETS>                                                412,253,342
<POLICY-LOSSES>                                               152,538,908
<UNEARNED-PREMIUMS>                                           106,298,817
<POLICY-OTHER>                                                          0
<POLICY-HOLDER-FUNDS>                                                   0
<NOTES-PAYABLE>                                                37,000,000
                                                   0
                                                             0
<COMMON>                                                        8,833,411
<OTHER-SE>                                                     99,166,264
<TOTAL-LIABILITY-AND-EQUITY>                                  412,253,342
                                                     71,607,742
<INVESTMENT-INCOME>                                             7,675,839
<INVESTMENT-GAINS>                                                109,207
<OTHER-INCOME>                                                  1,154,346
<BENEFITS>                                                     50,143,742
<UNDERWRITING-AMORTIZATION>                                    12,188,000
<UNDERWRITING-OTHER>                                           10,540,088
<INCOME-PRETAX>                                                 4,939,074
<INCOME-TAX>                                                    1,218,440
<INCOME-CONTINUING>                                             3,720,634
<DISCONTINUED>                                                          0
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                    3,720,634
<EPS-BASIC>                                                         .43
<EPS-DILUTED>                                                         .43
<RESERVE-OPEN>                                                     97,494
<PROVISION-CURRENT>                                                51,929
<PROVISION-PRIOR>                                                  (1,785)
<PAYMENTS-CURRENT>                                                 30,595
<PAYMENTS-PRIOR>                                                   17,858
<RESERVE-CLOSE>                                                    99,185
<CUMULATIVE-DEFICIENCY>                                            (1,785)


</TABLE>



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