<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE AND NINE MONTHS ENDED
SEPTEMBER 30, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JUL-01-1999             JAN-01-1999
<PERIOD-END>                               SEP-30-1999             SEP-30-1999
<DEBT-HELD-FOR-SALE>                           134,286                 134,286
<DEBT-CARRYING-VALUE>                                0                       0
<DEBT-MARKET-VALUE>                                  0                       0
<EQUITIES>                                       5,310                   5,310
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                                 141,895                 141,895
<CASH>                                           3,339                   3,339
<RECOVER-REINSURE>                              52,835                  52,835
<DEFERRED-ACQUISITION>                           2,699                   2,699
<TOTAL-ASSETS>                                 256,642                 256,642
<POLICY-LOSSES>                                136,862                 136,862
<UNEARNED-PREMIUMS>                             21,409                  21,409
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                              238                     238
<NOTES-PAYABLE>                                 13,327                  13,327
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            63                      63
<OTHER-SE>                                      71,543                  71,543
<TOTAL-LIABILITY-AND-EQUITY>                   256,642                 256,642
<PREMIUMS>                                      18,732                  53,137
<INVESTMENT-INCOME>                              2,278                   7,419
<INVESTMENT-GAINS>                                (31)                 (1,585)
<OTHER-INCOME>                                   1,617                   3,940
<BENEFITS>                                      12,067                  34,481
<UNDERWRITING-AMORTIZATION>                      7,511                  21,562
<UNDERWRITING-OTHER>                             (207)                     219
<INCOME-PRETAX>                                  3,065                   6,219
<INCOME-TAX>                                       949                   1,979
<INCOME-CONTINUING>                              2,116                   4,240
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,116                   4,240
<EPS-BASIC>                                       0.36                    0.72
<EPS-DILUTED>                                     0.36                    0.72
<RESERVE-OPEN>                                  91,156                 111,179
<PROVISION-CURRENT>                             11,708                  34,954
<PROVISION-PRIOR>                                  359                   (473)
<PAYMENTS-CURRENT>                               6,744                  16,250
<PAYMENTS-PRIOR>                                12,247                  45,178
<RESERVE-CLOSE>                                 84,232                  84,232
<CUMULATIVE-DEFICIENCY>                              0                       0


</TABLE>