<TABLE> <S> <C>

<ARTICLE>                                            7
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance   Sheet  and  Statement  of  Earnings  at  March  31,1999
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.
</LEGEND>
<MULTIPLIER>                                         1000
       
<S>                                            <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         MAR-31-1999
<DEBT-HELD-FOR-SALE>                                     113,546
<DEBT-CARRYING-VALUE>                                     22,247
<DEBT-MARKET-VALUE>                                            0
<EQUITIES>                                                27,838
<MORTGAGE>                                                     0
<REAL-ESTATE>                                                  0
<TOTAL-INVEST>                                           163,631
<CASH>                                                    11,372
<RECOVER-REINSURE>                                        17,861
<DEFERRED-ACQUISITION>                                     8,692
<TOTAL-ASSETS>                                           221,950
<POLICY-LOSSES>                                           88,343
<UNEARNED-PREMIUMS>                                       33,294
<POLICY-OTHER>                                                 0
<POLICY-HOLDER-FUNDS>                                          0
<NOTES-PAYABLE>                                                0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                      99
<OTHER-SE>                                                93,693
<TOTAL-LIABILITY-AND-EQUITY>                             221,950
<PREMIUMS>                                                21,462
<INVESTMENT-INCOME>                                        2,410
<INVESTMENT-GAINS>                                           556
<OTHER-INCOME>                                                 0
<BENEFITS>                                                13,724
<UNDERWRITING-AMORTIZATION>                                6,153
<UNDERWRITING-OTHER>                                       1,453
<INCOME-PRETAX>                                            3,062
<INCOME-TAX>                                                 853
<INCOME-CONTINUING>                                            0
<DISCONTINUED>                                                 0
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               2,209
<EPS-PRIMARY>                                                .24
<EPS-DILUTED>                                                .24
<RESERVE-OPEN>                                                 0
<PROVISION-CURRENT>                                            0
<PROVISION-PRIOR>                                              0
<PAYMENTS-CURRENT>                                             0
<PAYMENTS-PRIOR>                                               0
<RESERVE-CLOSE>                                                0
<CUMULATIVE-DEFICIENCY>                                        0
        

</TABLE>