<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998             DEC-31-1998
<PERIOD-START>                              JAN-1-1998             APR-01-1998             JUL-01-1998
<PERIOD-END>                               MAR-31-1998             JUN-30-1998             SEP-30-1998
<DEBT-HELD-FOR-SALE>                           118,566                 125,872                 123,478
<DEBT-CARRYING-VALUE>                                0                       0                       0
<DEBT-MARKET-VALUE>                                  0                       0                       0
<EQUITIES>                                       1,039                     794                     401
<MORTGAGE>                                           0                       0                       0
<REAL-ESTATE>                                        0                       0                       0
<TOTAL-INVEST>                                 119,605                 126,666                 123,878
<CASH>                                          10,328                   8,303                  12,413
<RECOVER-REINSURE>                              17,770                  14,215                  17,445
<DEFERRED-ACQUISITION>                           2,859                   2,902                   2,724
<TOTAL-ASSETS>                                 184,541                 180,835                 177,645
<POLICY-LOSSES>                                 95,383                  93,429                  97,235
<UNEARNED-PREMIUMS>                             34,878                  29,410                  21,409
<POLICY-OTHER>                                       0                       0                       0
<POLICY-HOLDER-FUNDS>                                0                       0                       0
<NOTES-PAYABLE>                                  7,800                   7,800                   9,300
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                           320                     320                     320
<OTHER-SE>                                      35,865                  37,264                  39,314
<TOTAL-LIABILITY-AND-EQUITY>                   184,541                 180,835                 177,645
<PREMIUMS>                                      13,129                  27,005                  41,059
<INVESTMENT-INCOME>                              1,747                   3,588                   5,298
<INVESTMENT-GAINS>                                 373                     589                   1,094
<OTHER-INCOME>                                     148                     188                     287
<BENEFITS>                                      10,177                  21,713                  33,675
<UNDERWRITING-AMORTIZATION>                      3,026                   4,767                   6,932
<UNDERWRITING-OTHER>                               540                   1,664                   2,976
<INCOME-PRETAX>                                  1,654                   3,226                   4,155
<INCOME-TAX>                                       474                   1,077                     972
<INCOME-CONTINUING>                              1,180                   2,149                   3,183
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     1,180                   2,149                   3,183
<EPS-PRIMARY>                                      .04                     .07                     .10
<EPS-DILUTED>                                      .04                     .07                     .10
<RESERVE-OPEN>                                       0                       0                       0
<PROVISION-CURRENT>                                  0<F1>                   0<F1>                   0<F1>
<PROVISION-PRIOR>                                    0<F1>                   0<F1>                   0<F1>
<PAYMENTS-CURRENT>                                   0<F1>                   0<F1>                   0<F1>
<PAYMENTS-PRIOR>                                     0<F1>                   0<F1>                   0<F1>
<RESERVE-CLOSE>                                      0<F1>                   0<F1>                   0<F1>
<CUMULATIVE-DEFICIENCY>                              0<F1>                   0<F1>                   0<F1>
<FN>
<F1>Available on an annual basis only.
</FN>
        

</TABLE>