<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<DEBT-HELD-FOR-SALE>                        11,122,024              10,247,774              11,239,947              12,832,724
<DEBT-CARRYING-VALUE>                        4,773,802               5,385,784               5,579,075               5,118,367
<DEBT-MARKET-VALUE>                                  0<F1>                   0<F1>                   0<F1>           5,273,639
<EQUITIES>                                   3,923,286               4,908,399               5,275,938               5,473,567
<MORTGAGE>                                           0                       0                       0                       0
<REAL-ESTATE>                                        0                       0                       0                       0
<TOTAL-INVEST>                              19,943,423              20,675,968              22,240,439              23,573,663
<CASH>                                       3,111,968               3,029,399               3,577,290               4,244,570
<RECOVER-REINSURE>                                   0                       0                       0                       0
<DEFERRED-ACQUISITION>                               0                       0                       0                       0
<TOTAL-ASSETS>                              29,028,800              30,141,064              31,846,199              33,642,528
<POLICY-LOSSES>                              4,186,065               4,486,065               4,786,065               5,086,065
<UNEARNED-PREMIUMS>                                  0                       0                       0                       0
<POLICY-OTHER>                                  30,682                  36,063                  44,115                  60,902
<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>                                       910,970                 783,200                 746,424                 722,321
<OTHER-SE>                                  21,882,473              22,853,262              24,071,109              25,265,856
<TOTAL-LIABILITY-AND-EQUITY>                29,028,800              30,141,064              31,846,199              33,642,528
<PREMIUMS>                                   4,434,799               9,916,291              15,490,534              21,111,155
<INVESTMENT-INCOME>                            294,791                 609,077                 938,190               1,352,932
<INVESTMENT-GAINS>                            (40,052)                   8,604                  46,810                 178,238
<OTHER-INCOME>                                  69,710                 141,906                 224,896                 348,857
<BENEFITS>                                     681,333               1,512,145               2,226,658               2,939,741
<UNDERWRITING-AMORTIZATION>                          0                       0                       0                       0
<UNDERWRITING-OTHER>                         3,031,212               6,765,641              10,597,816              14,629,904
<INCOME-PRETAX>                              1,046,703               2,398,092               3,875,956               5,421,537
<INCOME-TAX>                                   298,984                 671,591               1,077,105               1,578,000
<INCOME-CONTINUING>                            747,719               1,726,501               2,798,851               3,843,537
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                   747,719               1,726,501               2,798,851               3,843,537
<EPS-PRIMARY>                                      .27                     .62                    1.01                    1.39
<EPS-DILUTED>                                      .27                     .62                    1.01                    1.39
<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>Not disclosed on  a quarterly basis.
</FN>
        


</TABLE>