<TABLE> <S> <C>

<ARTICLE>                     7
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and Statement of Earnings at September 30, 1999
(unaudited) and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER>                                         1000

<S>                                            <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         SEP-30-1999
<DEBT-HELD-FOR-SALE>                                     107,574
<DEBT-CARRYING-VALUE>                                     22,309
<DEBT-MARKET-VALUE>                                       22,248
<EQUITIES>                                                27,168
<MORTGAGE>                                                     0
<REAL-ESTATE>                                                  0
<TOTAL-INVEST>                                           157,051
<CASH>                                                    12,459
<RECOVER-REINSURE>                                        18,607
<DEFERRED-ACQUISITION>                                     9,241
<TOTAL-ASSETS>                                           221,824
<POLICY-LOSSES>                                           93,421
<UNEARNED-PREMIUMS>                                       36,613
<POLICY-OTHER>                                                 0
<POLICY-HOLDER-FUNDS>                                          0
<NOTES-PAYABLE>                                                0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                     100
<OTHER-SE>                                                84,408
<TOTAL-LIABILITY-AND-EQUITY>                             221,824
<PREMIUMS>                                                64,375
<INVESTMENT-INCOME>                                        7,163
<INVESTMENT-GAINS>                                         1,239
<OTHER-INCOME>                                                 0
<BENEFITS>                                                48,874
<UNDERWRITING-AMORTIZATION>                               18,343
<UNDERWRITING-OTHER>                                       4,662
<INCOME-PRETAX>                                              898
<INCOME-TAX>                                                (263)
<INCOME-CONTINUING>                                            0
<DISCONTINUED>                                                 0
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               1,161
<EPS-BASIC>                                                  .13
<EPS-DILUTED>                                                .13
<RESERVE-OPEN>                                                 0
<PROVISION-CURRENT>                                            0
<PROVISION-PRIOR>                                              0
<PAYMENTS-CURRENT>                                             0
<PAYMENTS-PRIOR>                                               0
<RESERVE-CLOSE>                                                0
<CUMULATIVE-DEFICIENCY>                                        0


</TABLE>