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<TABLE> <S> <C>
<ARTICLE> 7
<LEGEND>
This schedule contains summary information extracted from Form 10-Q for
the nine months ended September 30, 2000, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<DEBT-HELD-FOR-SALE> 193,412,851
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 13,462,860
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 216,434,681
<CASH> 854,786
<RECOVER-REINSURE> 6,916
<DEFERRED-ACQUISITION> 21,978,338
<TOTAL-ASSETS> 305,848,072
<POLICY-LOSSES> 14,994,832
<UNEARNED-PREMIUMS> 6,901,873
<POLICY-OTHER> 0
<POLICY-HOLDER-FUNDS> 0
<NOTES-PAYABLE> 34,465,919
0
0
<COMMON> 133,252
<OTHER-SE> 186,157,793
<TOTAL-LIABILITY-AND-EQUITY> 305,848,072
53,050,724
<INVESTMENT-INCOME> 9,149,439
<INVESTMENT-GAINS> 1,719,856
<OTHER-INCOME> 18,865
<BENEFITS> 5,588,204
<UNDERWRITING-AMORTIZATION> 6,111,187
<UNDERWRITING-OTHER> 11,820,324
<INCOME-PRETAX> 38,341,479
<INCOME-TAX> 11,719,626
<INCOME-CONTINUING> 26,621,853
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 26,621,853
<EPS-BASIC> 2.00
<EPS-DILUTED> 1.94
<RESERVE-OPEN> 0
<PROVISION-CURRENT> 0
<PROVISION-PRIOR> 0
<PAYMENTS-CURRENT> 0
<PAYMENTS-PRIOR> 0
<RESERVE-CLOSE> 0
<CUMULATIVE-DEFICIENCY> 0
</TABLE>
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