<TABLE> <S> <C>

<ARTICLE>                             7
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and Statement of Earnings at December 31, 1999 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                                       0000910110
<NAME>                                      Penn-America Group, Inc.
<MULTIPLIER>                                1000

<S>                                              <C>
<PERIOD-TYPE>                                        YEAR
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         DEC-31-1999
<DEBT-HELD-FOR-SALE>                                     111,419
<DEBT-CARRYING-VALUE>                                     16,294
<DEBT-MARKET-VALUE>                                            0
<EQUITIES>                                                26,020
<MORTGAGE>                                                     0
<REAL-ESTATE>                                                  0
<TOTAL-INVEST>                                           154,182
<CASH>                                                    12,045
<RECOVER-REINSURE>                                        18,284
<DEFERRED-ACQUISITION>                                     9,306
<TOTAL-ASSETS>                                           217,782
<POLICY-LOSSES>                                           93,719
<UNEARNED-PREMIUMS>                                       36,332
<POLICY-OTHER>                                                 0
<POLICY-HOLDER-FUNDS>                                          0
<NOTES-PAYABLE>                                                0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                     100
<OTHER-SE>                                                80,518
<TOTAL-LIABILITY-AND-EQUITY>                             217,782
<PREMIUMS>                                                85,677
<INVESTMENT-INCOME>                                        9,537
<INVESTMENT-GAINS>                                           841
<OTHER-INCOME>                                                 0
<BENEFITS>                                                63,187
<UNDERWRITING-AMORTIZATION>                               24,802
<UNDERWRITING-OTHER>                                       6,184
<INCOME-PRETAX>                                            1,882
<INCOME-TAX>                                               (156)
<INCOME-CONTINUING>                                            0
<DISCONTINUED>                                                 0
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               2,038
<EPS-BASIC>                                                  .24
<EPS-DILUTED>                                                .24
<RESERVE-OPEN>                                            88,937
<PROVISION-CURRENT>                                       60,911
<PROVISION-PRIOR>                                          9,458
<PAYMENTS-CURRENT>                                        24,504
<PAYMENTS-PRIOR>                                          41,083
<RESERVE-CLOSE>                                           93,719
<CUMULATIVE-DEFICIENCY>                                    9,458


</TABLE>