<TABLE> <S> <C>

<ARTICLE> 7

<S>                                        <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                              3-MOS                   6-MOS                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999             DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JAN-01-1999             JAN-01-1999             JAN-31-1999
<PERIOD-END>                               MAR-31-1999             JUN-30-1999             SEP-30-1999             DEC-31-1999
<DEBT-HELD-FOR-SALE>                        22,998,439              24,345,874              26,000,644              25,931,918
<DEBT-CARRYING-VALUE>                        4,895,576               4,792,704               4,565,227               4,486,890
<DEBT-MARKET-VALUE>                                  0                       0                       0               4,368,007
<EQUITIES>                                   4,749,709               5,194,177               4,826,765               5,012,259
<MORTGAGE>                                           0                       0                       0                       0
<REAL-ESTATE>                                        0                       0                       0                       0
<TOTAL-INVEST>                              32,722,706              34,411,737              35,471,618              35,510,048
<CASH>                                      10,250,583               8,851,471               8,560,999               7,554,297
<RECOVER-REINSURE>                                   0                       0                       0                       0
<DEFERRED-ACQUISITION>                               0                       0                       0                       0
<TOTAL-ASSETS>                              52,792,928              53,846,585              55,556,792              55,156,564
<POLICY-LOSSES>                             14,187,665              15,152,665              15,562,665              15,864,665
<UNEARNED-PREMIUMS>                                  0                       0                       0                       0
<POLICY-OTHER>                                 153,767                 179,501                 235,661                 208,605
<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>                                       356,281                       1                       1                       1
<OTHER-SE>                                  36,519,111              37,254,981              37,811,568              37,501,739
<TOTAL-LIABILITY-AND-EQUITY>                52,792,928              53,846,585              55,556,792              55,156,564
<PREMIUMS>                                  10,694,237              23,079,124              34,337,204              43,819,565
<INVESTMENT-INCOME>                            470,127                 968,777               1,513,099               2,175,671
<INVESTMENT-GAINS>                             191,405                 280,358                 418,395                 418,395
<OTHER-INCOME>                                 160,547                 385,068                 629,593                 952,928
<BENEFITS>                                   1,580,868               3,293,729               4,880,219               6,026,064
<UNDERWRITING-AMORTIZATION>                          0                       0                       0                       0
<UNDERWRITING-OTHER>                         8,215,628              17,557,953              26,258,361              34,879,101
<INCOME-PRETAX>                              1,719,820               3,861,645               5,759,711               6,461,394
<INCOME-TAX>                                   543,502               1,213,300               1,807,850               2,041,000
<INCOME-CONTINUING>                          1,176,318               2,648,345               3,951,861               4,420,394
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                 1,176,318               2,648,345               3,951,861               4,420,394
<EPS-BASIC>                                       0.42                    0.95                    1.42                    1.59
<EPS-DILUTED>                                     0.42                    0.94                    1.41                    1.59
<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


</TABLE>