<TABLE> <S> <C><ARTICLE>    7<MULTIPLIER>    1,000<S>                                                      <C><PERIOD-TYPE>                                          9-MOS<PERIOD-START>                                   Jan-01-2000<FISCAL-YEAR-END>                                Dec-31-2000<PERIOD-END>                                     Sep-30-2000<DEBT-HELD-FOR-SALE>                                 674,027<DEBT-CARRYING-VALUE>                                      0<DEBT-MARKET-VALUE>                                        0<EQUITIES>                                               371<MORTGAGE>                                             7,202<REAL-ESTATE>                                          6,495<TOTAL-INVEST>                                       719,041<CASH>                                                 2,779<RECOVER-REINSURE>                                    48,419<DEFERRED-ACQUISITION>                               116,086<F3><TOTAL-ASSETS>                                     1,440,036<POLICY-LOSSES>                                      807,766<UNEARNED-PREMIUMS>                                        0<POLICY-OTHER>                                             0<POLICY-HOLDER-FUNDS>                                      0<NOTES-PAYABLE>                                       30,800<PREFERRED-MANDATORY>                                  6,530<PREFERRED>                                                0<COMMON>                                              62,438<OTHER-SE>                                           (5,051)<F2><TOTAL-LIABILITY-AND-EQUITY>                       1,440,036<PREMIUMS>                                            12,487<INVESTMENT-INCOME>                                   33,097<INVESTMENT-GAINS>                                     2,427<OTHER-INCOME>                                        14,189<F1><BENEFITS>                                            52,244<F6><UNDERWRITING-AMORTIZATION>                            6,508<UNDERWRITING-OTHER>                                       0<INCOME-PRETAX>                                        5,102<INCOME-TAX>                                             972<INCOME-CONTINUING>                                    4,130<DISCONTINUED>                                             0<EXTRAORDINARY>                                            0<CHANGES>                                                  0<NET-INCOME>                                           4,130<EPS-BASIC>                                             0.53<F5><EPS-DILUTED>                                           0.51<F4><RESERVE-OPEN>                                             0<PROVISION-CURRENT>                                        0<PROVISION-PRIOR>                                          0<PAYMENTS-CURRENT>                                         0<PAYMENTS-PRIOR>                                           0<RESERVE-CLOSE>                                            0<CUMULATIVE-DEFICIENCY>                                    0<FN><F1> Includes policy charges of $6,120 and fees from seperate accounts of $3,965<F2> Includes Retained Earnings of $18,466 and other comprehensive income of$386.<F3> Includes $28,754 of Present Value of Future Profits<F4> EPS data does not include reductions for preferred stock dividends<F5> EPS data does not include reductions for preferred stock dividends<F6> Includes benefits and claims of $15,676 and interest credited on financialproducts of $16,729</FN></TABLE>