[ARTICLE] 7
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] DEC-31-1995
[PERIOD-END] MAR-31-1996
[DEBT-HELD-FOR-SALE] 2,544,873
[DEBT-CARRYING-VALUE] 2,603,073
[DEBT-MARKET-VALUE] 2,582,866
[EQUITIES] 965,244
[MORTGAGE] 0
[REAL-ESTATE] 0
[TOTAL-INVEST] 3,548,110
[CASH] 110,875
[RECOVER-REINSURE] 43,976
[DEFERRED-ACQUISITION] 2,324,938
[TOTAL-ASSETS] 7,367,635
[POLICY-LOSSES] 2,272,654
[UNEARNED-PREMIUMS] 65,686
[POLICY-OTHER] 756,727
[POLICY-HOLDER-FUNDS] 214,279
[NOTES-PAYABLE] 523,577
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 4,483,120
[OTHER-SE] (948,408)
[TOTAL-LIABILITY-AND-EQUITY] 7,367,635
[PREMIUMS] 661,552
[INVESTMENT-INCOME] 68,068
[INVESTMENT-GAINS] 0
[OTHER-INCOME] 14,911
[BENEFITS] 360,474
[UNDERWRITING-AMORTIZATION] 129,560
[UNDERWRITING-OTHER] 335,524
[INCOME-PRETAX] (81,057)
[INCOME-TAX] 0
[INCOME-CONTINUING] (81,057)
[DISCONTINUED] 0
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] (81,057)
[EPS-PRIMARY] (.02)
[EPS-DILUTED] 0
[RESERVE-OPEN] 0
[PROVISION-CURRENT] 0
[PROVISION-PRIOR] 0
[PAYMENTS-CURRENT] 0
[PAYMENTS-PRIOR] 0
[RESERVE-CLOSE] 0
[CUMULATIVE-DEFICIENCY] 0
</TABLE>
