<TABLE> <S> <C>

<ARTICLE>                                          7

<S>                                                <C>
<PERIOD-TYPE>                                      YEAR
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       DEC-31-1999
<DEBT-HELD-FOR-SALE>                                      24,119,190
<DEBT-CARRYING-VALUE>                                     39,629,851
<DEBT-MARKET-VALUE>                                       39,453,452
<EQUITIES>                                                 5,745,213
<MORTGAGE>                                                18,926,628
<REAL-ESTATE>                                              7,629,952
<TOTAL-INVEST>                                           108,949,137
<CASH>                                                    12,422,864
<RECOVER-REINSURE>                                           373,459
<DEFERRED-ACQUISITION>                                    20,227,392
<TOTAL-ASSETS>                                           214,298,437
<POLICY-LOSSES>                                          133,879,840
<UNEARNED-PREMIUMS>                                        1,866,523
<POLICY-OTHER>                                             1,633,858
<POLICY-HOLDER-FUNDS>                                      2,987,618
<NOTES-PAYABLE>                                           23,340,805
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                  10,838,532
<OTHER-SE>                                                15,651,161
<TOTAL-LIABILITY-AND-EQUITY>                             214,298,437
<PREMIUMS>                                                13,175,825
<INVESTMENT-INCOME>                                       10,631,302
<INVESTMENT-GAINS>                                           313,013
<OTHER-INCOME>                                            25,537,238
<BENEFITS>                                                 6,274,926
<UNDERWRITING-AMORTIZATION>                                4,857,662
<UNDERWRITING-OTHER>                                               0
<INCOME-PRETAX>                                            1,450,781
<INCOME-TAX>                                                 230,516
<INCOME-CONTINUING>                                                0
<DISCONTINUED>                                                     0
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                 975,895
<EPS-BASIC>                                                     0.22
<EPS-DILUTED>                                                   0.22
<RESERVE-OPEN>                                                     0
<PROVISION-CURRENT>                                                0
<PROVISION-PRIOR>                                                  0
<PAYMENTS-CURRENT>                                                 0
<PAYMENTS-PRIOR>                                                   0
<RESERVE-CLOSE>                                                    0
<CUMULATIVE-DEFICIENCY>                                            0


</TABLE>