<TABLE> <S> <C>


<ARTICLE>                     7
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
financial  statements of protective  Life and Annuity  Insurance  Company and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<DEBT-HELD-FOR-SALE>                           372,258,410
<DEBT-CARRYING-VALUE>                          0
<DEBT-MARKET-VALUE>                            0
<EQUITIES>                                     0
<MORTGAGE>                                     3,795,372
<REAL-ESTATE>                                  0
<TOTAL-INVEST>                                 437,549,499
<CASH>                                         1,010,241
<RECOVER-REINSURE>                             24,946,154
<DEFERRED-ACQUISITION>                         128,270,945
<TOTAL-ASSETS>                                 604,518,200
<POLICY-LOSSES>                                441,667,863
<UNEARNED-PREMIUMS>                            0
<POLICY-OTHER>                                 0
<POLICY-HOLDER-FUNDS>                          11,085,851
<NOTES-PAYABLE>                                0
<PREFERRED-MANDATORY>                          2,000
<PREFERRED>                                    0
<COMMON>                                       2,500,000
<OTHER-SE>                                     123,635,828
<TOTAL-LIABILITY-AND-EQUITY>                   604,518,200
<PREMIUMS>                                     28,591,893
<INVESTMENT-INCOME>                            21,644,715
<INVESTMENT-GAINS>                             (63,070)
<OTHER-INCOME>                                 (5,416)
<BENEFITS>                                     25,407,794
<UNDERWRITING-AMORTIZATION>                    5,514,020
<UNDERWRITING-OTHER>                           9,470,654
<INCOME-PRETAX>                                9,775,654
<INCOME-TAX>                                   2,737,183
<INCOME-CONTINUING>                            7,038,471
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   7,038,471
<EPS-BASIC>                                  0 <F1>
<EPS-DILUTED>                                  0 <F1>
<RESERVE-OPEN>                                 0
<PROVISION-CURRENT>                            0
<PROVISION-PRIOR>                              0
<PAYMENTS-CURRENT>                             0
<PAYMENTS-PRIOR>                               0
<RESERVE-CLOSE>                                0
<CUMULATIVE-DEFICIENCY>                        0
<FN>
<F1>Protective Life and Annuity Life Insurance Company is a wholly-owned subsidiary of
Protective Life Insurance Company, which is a wholly-owned subsidiary of Protective Life
Corporation (NYSE:  PL) and is not required to present EPS information.
</FN>


</TABLE>