<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JUL-01-2000             JAN-01-2000
<PERIOD-END>                               SEP-30-2000             SEP-30-2000
<DEBT-HELD-FOR-SALE>                           153,312                 153,312
<DEBT-CARRYING-VALUE>                                0                       0
<DEBT-MARKET-VALUE>                                  0                       0
<EQUITIES>                                       2,640                   2,640
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                                 157,276                 157,276
<CASH>                                           7,002                   7,002
<RECOVER-REINSURE>                                  41                      41
<DEFERRED-ACQUISITION>                           2,250                   2,250
<TOTAL-ASSETS>                                 237,482                 237,482
<POLICY-LOSSES>                                145,056                 145,056
<UNEARNED-PREMIUMS>                             17,193                  17,193
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                              476                     476
<NOTES-PAYABLE>                                 13,817                  13,817
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            63                      63
<OTHER-SE>                                      50,595                  50,595
<TOTAL-LIABILITY-AND-EQUITY>                   237,482                 237,482
<PREMIUMS>                                      22,472                  82,091
<INVESTMENT-INCOME>                              2,648                   7,821
<INVESTMENT-GAINS>                             (1,252)                 (1,509)
<OTHER-INCOME>                                   1,906                   4,966
<BENEFITS>                                      20,044                  70,251
<UNDERWRITING-AMORTIZATION>                      7,712                  26,709
<UNDERWRITING-OTHER>                                68                     245
<INCOME-PRETAX>                                (2,095)                 (4,540)
<INCOME-TAX>                                     (717)                 (1,608)
<INCOME-CONTINUING>                            (1,378)                 (2,932)
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   (1,378)                 (2,932)
<EPS-BASIC>                                     (0.26)                  (0.53)
<EPS-DILUTED>                                   (0.26)                  (0.53)
<RESERVE-OPEN>                                 141,445                 147,425
<PROVISION-CURRENT>                             18,665                  67,146
<PROVISION-PRIOR>                                1,379                   3,105
<PAYMENTS-CURRENT>                               9,291                  17,441
<PAYMENTS-PRIOR>                                19,087                  67,124
<RESERVE-CLOSE>                                132,816                 132,816
<CUMULATIVE-DEFICIENCY>                              0                       0


</TABLE>