<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995             DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             JAN-01-1995             JAN-01-1995             JAN-01-1995
<PERIOD-END>                               MAR-31-1995             JUN-30-1995             SEP-30-1995             DEC-31-1995
<DEBT-HELD-FOR-SALE>                         2,500,451               2,557,644               2,456,285              10,310,737
<DEBT-CARRYING-VALUE>                       10,557,522              10,775,433              11,642,510               4,788,300
<DEBT-MARKET-VALUE>                                  0<F1>                   0<F1>                   0<F1>           5,013,285
<EQUITIES>                                   3,136,953               3,289,676               3,817,101               4,284,423
<MORTGAGE>                                           0                       0                       0                       0
<REAL-ESTATE>                                        0                       0                       0                       0
<TOTAL-INVEST>                              16,559,105              16,946,932              18,275,075              19,742,639
<CASH>                                       2,542,249               2,742,702               2,602,658               2,527,008
<RECOVER-REINSURE>                                   0                       0                       0                       0
<DEFERRED-ACQUISITION>                               0                       0                       0                       0
<TOTAL-ASSETS>                              24,399,314              25,484,494              26,914,184              28,224,276
<POLICY-LOSSES>                              3,584,850               3,694,850               3,794,850               3,836,065
<UNEARNED-PREMIUMS>                                  0                       0                       0                       0
<POLICY-OTHER>                                  41,599                  41,602                  45,070                  38,601
<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>                                     1,253,212               1,252,552               1,149,411               1,038,414
<OTHER-SE>                                  18,023,760              18,955,802              20,003,928              21,171,400
<TOTAL-LIABILITY-AND-EQUITY>                24,399,314              25,484,494              26,914,184              28,224,276
<PREMIUMS>                                   3,104,025               6,865,297              11,286,791              15,854,140
<INVESTMENT-INCOME>                            283,980                 581,169                 879,599               1,241,855
<INVESTMENT-GAINS>                              17,991                  47,556                  42,223                  45,242
<OTHER-INCOME>                                  56,814                 132,736                 178,236                 224,712
<BENEFITS>                                     250,091                 586,573               1,095,110               1,429,660
<UNDERWRITING-AMORTIZATION>                          0                       0                       0                       0
<UNDERWRITING-OTHER>                         2,524,555               5,313,709               8,277,265              11,532,632
<INCOME-PRETAX>                                688,164               1,726,476               3,014,474               4,403,658
<INCOME-TAX>                                    80,990                 362,896                 737,163               1,153,000
<INCOME-CONTINUING>                            607,174               1,363,580               2,277,311               3,250,658
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                   607,174               1,363,580               2,277,311               3,250,658
<EPS-PRIMARY>                                      .22                     .49                     .81                    1.16
<EPS-DILUTED>                                      .22                     .49                     .81                    1.16
<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>