<TABLE> <S> <C>



<ARTICLE> 7
<RESTATED>
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<DEBT-HELD-FOR-SALE>                        13,276,954              14,567,157              17,523,066
<DEBT-CARRYING-VALUE>                        4,832,752               4,687,316               4,644,864
<DEBT-MARKET-VALUE>                              0<F1>                   0<F1>                   0<F1>
<EQUITIES>                                   4,579,347               5,137,853               6,255,731
<MORTGAGE>                                           0                       0                       0
<REAL-ESTATE>                                        0                       0                       0
<TOTAL-INVEST>                              22,838,058              24,511,331              28,534,646
<CASH>                                       5,100,623               5,626,284               4,309,264
<RECOVER-REINSURE>                                   0                       0                       0
<DEFERRED-ACQUISITION>                               0                       0                       0
<TOTAL-ASSETS>                              33,842,040              36,259,517              39,422,126
<POLICY-LOSSES>                              5,436,065               6,078,330               7,171,295
<UNEARNED-PREMIUMS>                                  0                       0                       0
<POLICY-OTHER>                                  89,154                  67,744                  47,188
<POLICY-HOLDER-FUNDS>                                0                       0                       0
<NOTES-PAYABLE>                                      0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                       705,966                 805,069                 818,235
<OTHER-SE>                                  25,660,262              27,149,211              28,829,318
<TOTAL-LIABILITY-AND-EQUITY>                33,842,040              36,259,517              39,422,126
<PREMIUMS>                                   5,418,788              13,080,477              21,186,637
<INVESTMENT-INCOME>                            398,113                 783,719               1,196,461
<INVESTMENT-GAINS>                             107,081                 107,049                 233,387
<OTHER-INCOME>                                 121,529                 266,065                 403,166
<BENEFITS>                                     814,821               1,817,988               3,100,832
<UNDERWRITING-AMORTIZATION>                          0                       0                       0
<UNDERWRITING-OTHER>                         4,049,766               9,640,133              15,258,218
<INCOME-PRETAX>                              1,180,924               2,779,189               4,660,601
<INCOME-TAX>                                   319,870                 772,661               1,325,501
<INCOME-CONTINUING>                            861,054               2,006,528               3,335,100
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   861,054               2,006,528               3,335,100
<EPS-PRIMARY>                                      .31                     .72                    1.20
<EPS-DILUTED>                                      .30                     .71                    1.18
<RESERVE-OPEN>                                       0                       0                       0
<PROVISION-CURRENT>                                  0                       0                       0
<PROVISION-PRIOR>                                    0                       0                       0
<PAYMENTS-CURRENT>                                   0                       0                       0
<PAYMENTS-PRIOR>                                     0                       0                       0
<RESERVE-CLOSE>                                      0                       0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0
<F1>
<FN>
<F1>NOT DISCLOSED ON A QUARTERLY BASIS.
</FN>
        

</TABLE>