<TABLE> <S> <C>
<ARTICLE> 7
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<DEBT-HELD-FOR-SALE> 230,097
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 1,777
<EQUITIES> 57,031
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 290,632
<CASH> 2,561
<RECOVER-REINSURE> 34,302
<DEFERRED-ACQUISITION> 21,033
<TOTAL-ASSETS> 397,992
<POLICY-LOSSES> 148,334
<UNEARNED-PREMIUMS> 93,515
<POLICY-OTHER> 0
<POLICY-HOLDER-FUNDS> 0
<NOTES-PAYABLE> 7,000
0
0
<COMMON> 38,955
<OTHER-SE> 92,759
<TOTAL-LIABILITY-AND-EQUITY> 397,992
163,254
<INVESTMENT-INCOME> 11,955
<INVESTMENT-GAINS> 9,883
<OTHER-INCOME> 948
<BENEFITS> 136,691
<UNDERWRITING-AMORTIZATION> 37,476
<UNDERWRITING-OTHER> 12,168
<INCOME-PRETAX> (294)
<INCOME-TAX> (1,552)
<INCOME-CONTINUING> 1,258
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,258
<EPS-BASIC> 0.16
<EPS-DILUTED> 0.16
<RESERVE-OPEN> 145,962
<PROVISION-CURRENT> 133,313
<PROVISION-PRIOR> 3,378
<PAYMENTS-CURRENT> 78,970
<PAYMENTS-PRIOR> 55,593
<RESERVE-CLOSE> 148,334
<CUMULATIVE-DEFICIENCY> 3,378
</TABLE>