<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> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<DEBT-HELD-FOR-SALE> 0
<DEBT-CARRYING-VALUE> 5,929,165
<DEBT-MARKET-VALUE> 6,652,919
<EQUITIES> 142,800
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 12,724,884
<CASH> 6,927,199
<RECOVER-REINSURE> 19,980,551
<DEFERRED-ACQUISITION> 435,252
<TOTAL-ASSETS> 77,307,925
<POLICY-LOSSES> 0
<UNEARNED-PREMIUMS> 15,794,458
<POLICY-OTHER> 4,444,251
<POLICY-HOLDER-FUNDS> 7,783,705
<NOTES-PAYABLE> 12,512,537
0
0
<COMMON> 355,668
<OTHER-SE> 11,828,279
<TOTAL-LIABILITY-AND-EQUITY> 77,307,925
13,389,872
<INVESTMENT-INCOME> 811,525
<INVESTMENT-GAINS> 0
<OTHER-INCOME> 4,125,102
<BENEFITS> 10,652,771
<UNDERWRITING-AMORTIZATION> 163,728
<UNDERWRITING-OTHER> 5,819,567
<INCOME-PRETAX> 767,700
<INCOME-TAX> 300,934
<INCOME-CONTINUING> 466,766
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 466,766
<EPS-BASIC> .04
<EPS-DILUTED> .04
<RESERVE-OPEN> 17,804,000
<PROVISION-CURRENT> 31,951,750
<PROVISION-PRIOR> (243,119)
<PAYMENTS-CURRENT> (18,706,425)
<PAYMENTS-PRIOR> (9,612,613)
<RESERVE-CLOSE> 21,193,593
<CUMULATIVE-DEFICIENCY> 0
</TABLE>