<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>                     <C>                     <C>
<C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   9-MOS                   9-MOS
YEAR
<FISCAL-YEAR-END>                          SEP-30-1998             SEP-30-1997             SEP-30-1998             SEP-30-1997
             DEC-31-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997             SEP-30-1998             SEP-30-1997
             DEC-31-1997
<DEBT-HELD-FOR-SALE>                                 0                       0               1,050,311                       0
               5,856,835
<DEBT-CARRYING-VALUE>                                0                       0                       0                       0
                       0
<DEBT-MARKET-VALUE>                                  0                       0                       0                       0
                       0
<EQUITIES>                                           0                       0                       0                       0
                       0
<MORTGAGE>                                           0                       0               1,588,871                       0
               2,085,760
<REAL-ESTATE>                                        0                       0                       0                       0
                       0
<TOTAL-INVEST>                                       0                       0               5,271,401                       0
              41,000,598
<CASH>                                               0                       0                 207,742                       0
                 641,234
<RECOVER-REINSURE>                                   0                       0                       0                       0
                       0
<DEFERRED-ACQUISITION>                               0                       0                  25,075                       0
              13,569,943
<TOTAL-ASSETS>                                       0                       0              65,170,501                       0
              85,035,320
<POLICY-LOSSES>                                      0                       0              17,476,040                       0
              21,466,953
<UNEARNED-PREMIUMS>                                  0                       0              37,342,306                       0
              49,994,397
<POLICY-OTHER>                                       0                       0               3,367,114                       0
               2,538,593
<POLICY-HOLDER-FUNDS>                                0                       0                       0                       0
                       0
<NOTES-PAYABLE>                                      0                       0                       0                       0
                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                          0                       0               4,814,610                       0
               4,687,913
<COMMON>                                             0                       0                  29,492                       0
                  30,191
<OTHER-SE>                                           0                       0               1,253,432                       0
               1,775,167
<TOTAL-LIABILITY-AND-EQUITY>                         0                       0              65,170,501                       0
              85,035,320
<PREMIUMS>                                           0                       0                 233,671              15,622,203
                       0
<INVESTMENT-INCOME>                                  0                       0                 862,832               1,589,007
                       0
<INVESTMENT-GAINS>                                   0                       0                  20,094                 224,367
                       0
<OTHER-INCOME>                                       0                       0                 729,753                 901,943
                       0
<BENEFITS>                                           0                       0                       0               9,445,642
                       0
<UNDERWRITING-AMORTIZATION>                          0                       0                       0               7,079,717
                       0
<UNDERWRITING-OTHER>                                 0                       0               1,973,795               3,711,242
                       0
<INCOME-PRETAX>                                      0                       0               (127,445)             (1,909,081)
                       0
<INCOME-TAX>                                         0                       0                 127,629               (827,706)
                       0
<INCOME-CONTINUING>                                  0                       0                       0                       0
                       0
<DISCONTINUED>                                       0                       0                 213,786               (124,378)
                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                       0                       0                       0
                       0
<NET-INCOME>                                         0                       0                (41,288)             (1,205,753)
                       0
<EPS-PRIMARY>                                        0                       0                       0                       0
                       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>