<TABLE> <S> <C>

<ARTICLE>                                         7
       
<S>                             <C>             <C>          <C>            <C>
<PERIOD-TYPE>                 3-MOS          6-MOS          9-MOS          12-MOS 
<FISCAL-YEAR-END>           DEC-31-1998   DEC-31-1998    DEC-31-1998     DEC-31-1998
<PERIOD-START>              JAN-01-1998   JAN-01-1998    JAN-01-1998     JAN-01-1998     
<PERIOD-END>                MAR-31-1998   JUN-30-1998    SEP-30-1998     DEC-31-1998
<DEBT-HELD-FOR-SALE>         20,229,252    22,059,438      23,213,125     23,235,754
<DEBT-CARRYING-VALUE>         5,163,585     5,376,128       5,175,791      5,188,476
<DEBT-MARKET-VALUE>                   0             0               0      5,416,550
<EQUITIES>                    6,648,115     6,385,988       5,389,685      5,275,912
<MORTGAGE>                            0             0               0              0
<REAL-ESTATE>                         0             0               0              0
<TOTAL-INVEST>               32,172,677    33,920,536      33,778,611     33,799,124
<CASH>                        3,652,670     4,764,362       5,286,325      8,141,354
<RECOVER-REINSURE>                    0             0               0              0
<DEFERRED-ACQUISITION>                0             0               0              0
<TOTAL-ASSETS>               43,694,307    47,235,580      48,158,776     51,597,812
<POLICY-LOSSES>               8,498,765    10,002,165      11,377,665     13,362,665
<UNEARNED-PREMIUMS>                   0             0               0              0
<POLICY-OTHER>                   89,210       175,088         103,351         84,598
<POLICY-HOLDER-FUNDS>                 0             0               0              0
<NOTES-PAYABLE>                       0             0               0              0
<PREFERRED-MANDATORY>                 0             0               0              0
<PREFERRED>                           0             0               0              0 
<COMMON>                         972,002      902,942         701,346        732,453
<OTHER-SE>                    31,420,716   32,666,992      33,880,766     35,596,212 
<TOTAL-LIABILITY-AND-EQUITY>  43,694,307   47,235,580      48,158,776     51,597,812   
<PREMIUMS>                     9,441,848   20,747,899      32,426,417     45,379,696   
<INVESTMENT-INCOME>              420,286      865,777       1,325,724      1,834,949
<INVESTMENT-GAINS>                70,175      122,050         256,988        398,610
<OTHER-INCOME>                   150,011      375,560         613,791        863,008
<BENEFITS>                     1,564,370    3,692,290       5,816,214      8,094,950
<UNDERWRITING-AMORTIZATION>            0            0               0              0
<UNDERWRITING-OTHER>           6,991,832   14,889,539      23,034,139     32,685,804 
<INCOME-PRETAX>                1,526,118    3,529,457       5,772,567      7,695,509  
<INCOME-TAX>                     458,497    1,086,537       1,782,707      2,236,000
<INCOME-CONTINUING>            1,067,621    2,442,920       3,989,860      5,459,509
<DISCONTINUED>                         0            0               0              0
<EXTRAORDINARY>                        0            0               0              0
<CHANGES>                              0            0               0              0
<NET-INCOME>                   1,067,621    2,442,920       3,989,860      5,459,509
<EPS-PRIMARY>                       0.38         0.87            1.42           1.95<F1>
<EPS-DILUTED>                       0.38         0.86            1.40           1.92
<RESERVE-OPEN>                         0            0               0              0
<PROVISION-CURRENT>                    0            0               0              0
<PROVISION-PRIOR>                      0            0               0              0
<PAYMENTS-CURRENT>                     0            0               0              0
<PAYMENTS-PRIOR>                       0            0               0              0
<RESERVE-CLOSE>                        0            0               0              0
<CUMULATIVE-DEFICIENCY>                0            0               0              0
        
<FN>
<F1> EPS-BASIC
</FN>

</TABLE>