<TABLE> <S> <C>
<ARTICLE> 7
<LEGEND>
This schedule contains summary information extracted from Form 10-Q for the six
months ended June 30, 2000, and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<DEBT-HELD-FOR-SALE> 184,254,040
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 13,209,334
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 203,616,256
<CASH> 1,507,548
<RECOVER-REINSURE> 1,972
<DEFERRED-ACQUISITION> 21,232,951
<TOTAL-ASSETS> 288,016,926
<POLICY-LOSSES> 14,571,328
<UNEARNED-PREMIUMS> 6,665,136
<POLICY-OTHER> 0
<POLICY-HOLDER-FUNDS> 0
<NOTES-PAYABLE> 34,464,579
0
0
<COMMON> 133,162
<OTHER-SE> 174,811,036
<TOTAL-LIABILITY-AND-EQUITY> 288,016,926
34,980,151
<INVESTMENT-INCOME> 5,993,440
<INVESTMENT-GAINS> 813,684
<OTHER-INCOME> 11,365
<BENEFITS> 3,655,838
<UNDERWRITING-AMORTIZATION> 4,027,889
<UNDERWRITING-OTHER> 8,113,902
<INCOME-PRETAX> 24,615,911
<INCOME-TAX> 7,478,132
<INCOME-CONTINUING> 17,137,779
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 17,137,779
<EPS-BASIC> 1.29
<EPS-DILUTED> 1.25
<RESERVE-OPEN> 0
<PROVISION-CURRENT> 0
<PROVISION-PRIOR> 0
<PAYMENTS-CURRENT> 0
<PAYMENTS-PRIOR> 0
<RESERVE-CLOSE> 0
<CUMULATIVE-DEFICIENCY> 0
</TABLE>
