<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>                     <C>                     <C>
<C>
<PERIOD-TYPE>                   9-MOS                   9-MOS                   3-MOS                   3-MOS
YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994             DEC-31-1995             DEC-31-1994
             DEC-31-1994
<PERIOD-END>                               SEP-30-1995             SEP-30-1994             SEP-30-1995             SEP-30-1994
             DEC-31-1994
<DEBT-HELD-FOR-SALE>                        33,643,882                       0                       0                       0
              28,180,436
<DEBT-CARRYING-VALUE>                                0                       0                       0                       0
                       0
<DEBT-MARKET-VALUE>                                  0                       0                       0                       0
                       0
<EQUITIES>                                     231,475                       0                       0                       0
                  74,305
<MORTGAGE>                                   7,122,263                       0                       0                       0
               9,938,267
<REAL-ESTATE>                                1,120,930                       0                       0                       0
               1,144,246
<TOTAL-INVEST>                              47,300,485                       0                       0                       0
              47,030,814
<CASH>                                       1,249,995                       0                       0                       0
               1,253,620
<RECOVER-REINSURE>                                   0                       0                       0                       0
                       0
<DEFERRED-ACQUISITION>                      22,269,361                       0                       0                       0
              21,654,591
<TOTAL-ASSETS>                             127,916,051                       0                       0                       0
             125,275,584
<POLICY-LOSSES>                              38739,254                       0                       0                       0
              38,608,986
<UNEARNED-PREMIUMS>                         59,093,239                       0                       0                       0
              56,550,854
<POLICY-OTHER>                               2,772,016                       0                       0                       0
               2,848,180
<POLICY-HOLDER-FUNDS>                                0                       0                       0                       0
                       0
<NOTES-PAYABLE>                              2,702,016                       0                       0                       0
               3,388,589
<COMMON>                                        30,608                       0                       0                       0
                  30,608
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                  4,647,650                       0                       0                       0
               4,620,674
<OTHER-SE>                                  11,528,381                       0                       0                       0
              10,574,688
<TOTAL-LIABILITY-AND-EQUITY>               127,916,051                       0                       0                       0
             125,275,584
<PREMIUMS>                                  16,470,179              17,751,789               5,688,105               6,267,130
                       0
<INVESTMENT-INCOME>                          2,207,023               3,814,264                 733,775               1,101,903
                       0
<INVESTMENT-GAINS>                            (35,809)                (34,928)                (12,653)                (14,893)
                       0
<OTHER-INCOME>                               3,708,623               3,590,529               1,331,024               1,297,854
                       0
<BENEFITS>                                   8,868,861               9,619,796               3,198,610               3,375,144
                       0
<UNDERWRITING-AMORTIZATION>                  8,028,933               8,919,456               2,714,476               3,086,438
                       0
<UNDERWRITING-OTHER>                         6,138,015               7,693,108               2,058,865               2,653,794
                       0
<INCOME-PRETAX>                              (685,793)             (1,110,706)               (231,700)               (463,382)
                       0
<INCOME-TAX>                                    12,884                 220,997                (19,205)                 157,885
                       0
<INCOME-CONTINUING>                                  0                       0                       0                       0
                       0
<DISCONTINUED>                                       0                       0                       0                       0
                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                 298,551                       0                       0
                       0
<NET-INCOME>                                 (698,677)             (1,033,152)               (212,495)               (621,267)
                       0
<EPS-PRIMARY>                                    (.39)                   (.51)                   (.12)                   (.27)
                       0
<EPS-DILUTED>                                        0                       0                       0                       0
                       0
<RESERVE-OPEN>                                       0                       0                       0                       0
                       0
<PROVISION-CURRENT>                                  0                       0                       0                       0
                       0
<PROVISION-PRIOR>                                    0                       0                       0                       0
                       0
<PAYMENTS-CURRENT>                                   0                       0                       0                       0
                       0
<PAYMENTS-PRIOR>                                     0                       0                       0                       0
                       0
<RESERVE-CLOSE>                                      0                       0                       0                       0
                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0                       0
                       0
        

</TABLE>