<TABLE> <S> <C>

<ARTICLE> 7
<LEGEND>
Due to format constraints of this Financial Data Schedule (FDS) certain
Balance Sheet items were omitted: i.e. Prepaid reinsurance premiums,
Premium notes receivable, Installment premiums receivable, Excess of cost
over net assets acquired and Other assets.  Refer to actual 10QSB
submission.
</LEGEND>
<MULTIPLIER> 1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<DEBT-HELD-FOR-SALE>                                 0
<DEBT-CARRYING-VALUE>                        5,947,411
<DEBT-MARKET-VALUE>                          6,933,080
<EQUITIES>                                     142,345
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                              13,022,836
<CASH>                                       4,439,648
<RECOVER-REINSURE>                          18,745,297
<DEFERRED-ACQUISITION>                         581,448
<TOTAL-ASSETS>                              72,981,615
<POLICY-LOSSES>                                      0
<UNEARNED-PREMIUMS>                         15,349,131
<POLICY-OTHER>                               3,595,796
<POLICY-HOLDER-FUNDS>                        7,291,568
<NOTES-PAYABLE>                             10,872,291
                                0
                                          0
<COMMON>                                       355,638
<OTHER-SE>                                  11,909,893
<TOTAL-LIABILITY-AND-EQUITY>                72,981,615
                                   9,578,013
<INVESTMENT-INCOME>                            518,347
<INVESTMENT-GAINS>                                   0
<OTHER-INCOME>                               2,857,090
<BENEFITS>                                   7,074,032
<UNDERWRITING-AMORTIZATION>                     17,531
<UNDERWRITING-OTHER>                         4,405,571
<INCOME-PRETAX>                                873,062
<INCOME-TAX>                                   324,089
<INCOME-CONTINUING>                            548,973
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   548,973
<EPS-BASIC>                                        .05
<EPS-DILUTED>                                      .05
<RESERVE-OPEN>                              17,804,000
<PROVISION-CURRENT>                         23,324,645
<PROVISION-PRIOR>                              776,387
<PAYMENTS-CURRENT>                        (12,746,484)
<PAYMENTS-PRIOR>                           (8,436,244)
<RESERVE-CLOSE>                             20,722,304
<CUMULATIVE-DEFICIENCY>                              0


</TABLE>



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