<TABLE> <S> <C>


<ARTICLE>                                           7
<LEGEND>
This schedule contains summary financial information extracted from the
financial statements of American Foundation Life Insurance Company and is
qualified in its entirety by reference to such financial statements.
</LEGEND>                                                       
       
<S>                                            <C>                    <C>
<PERIOD-TYPE>                                  6-MOS                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998            DEC-31-1997
<PERIOD-START>                                 JAN-01-1998            JAN-01-1997
<PERIOD-END>                                   JUN-30-1998            JUN-30-1997
<DEBT-HELD-FOR-SALE>                           69,976,596             65,956,372
<DEBT-CARRYING-VALUE>                          0                      0
<DEBT-MARKET-VALUE>                            0                      0
<EQUITIES>                                     0                      0
<MORTGAGE>                                     9,510,921              13,224,653
<REAL-ESTATE>                                  401,266                416,102
<TOTAL-INVEST>                                 93,815,787             95,440,671
<CASH>                                         522,103                525,891
<RECOVER-REINSURE>                             7,882,507              8,346,051
<DEFERRED-ACQUISITION>                         1,841,534              1,744,066
<TOTAL-ASSETS>                                 105,966,152            108,751,760
<POLICY-LOSSES>                                55,872,901             57,291,919
<UNEARNED-PREMIUMS>                            0                      0
<POLICY-OTHER>                                 0                      0
<POLICY-HOLDER-FUNDS>                          12,064,067             17,651,100
<NOTES-PAYABLE>                                0                      0
<PREFERRED-MANDATORY>                          2,000                  2,000
<PREFERRED>                                    0                      0
<COMMON>                                       2,000,000              2,000,000
<OTHER-SE>                                     26,739,231             23,672,134
<TOTAL-LIABILITY-AND-EQUITY>                   105,966,152            108,751,760
<PREMIUMS>                                     3,102,267              4,675,394
<INVESTMENT-INCOME>                            2,845,683              3,172,472
<INVESTMENT-GAINS>                             (500,000)              0
<OTHER-INCOME>                                 0                      8,718
<BENEFITS>                                     3,281,445              4,714,738
<UNDERWRITING-AMORTIZATION>                    204,596                175,405
<UNDERWRITING-OTHER>                           915,015                1,231,840
<INCOME-PRETAX>                                1,046,894              1,734,601     
<INCOME-TAX>                                   293,130                589,764
<INCOME-CONTINUING>                            753,764                1,144,837
<DISCONTINUED>                                 0                      0
<EXTRAORDINARY>                                0                      0
<CHANGES>                                      0                      0
<NET-INCOME>                                   753,764                1,144,837
<EPS-PRIMARY>                                  0<F1>                  0<F1>
<EPS-DILUTED>                                  0<F1>                  0<F1>
<RESERVE-OPEN>                                 0                      0
<PROVISION-CURRENT>                            0                      0
<PROVISION-PRIOR>                              0                      0
<PAYMENTS-CURRENT>                             0                      0
<PAYMENTS-PRIOR>                               0                      0
<RESERVE-CLOSE>                                0                      0
<CUMULATIVE-DEFICIENCY>                        0                      0
<FN>
<F1>American Foundation 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>