<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             APR-01-1998             JAN-01-1998
<PERIOD-END>                               JUN-30-1998             JUN-30-1998
<DEBT-HELD-FOR-SALE>                           141,029                 141,029
<DEBT-CARRYING-VALUE>                                0                       0
<DEBT-MARKET-VALUE>                                  0                       0
<EQUITIES>                                      13,085                  13,085
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                                 162,041                 162,041
<CASH>                                           1,848                   1,848
<RECOVER-REINSURE>                                   0                       0
<DEFERRED-ACQUISITION>                           3,315                   3,315
<TOTAL-ASSETS>                                 223,862                 223,862
<POLICY-LOSSES>                                110,161                 110,161
<UNEARNED-PREMIUMS>                             25,509                  25,509
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                              165                     165
<NOTES-PAYABLE>                                    139                     139
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            64                      64
<OTHER-SE>                                      77,552                  77,552
<TOTAL-LIABILITY-AND-EQUITY>                   223,862                 223,862
<PREMIUMS>                                      37,235                  65,230
<INVESTMENT-INCOME>                              2,119                   4,173
<INVESTMENT-GAINS>                                (83)                    (53)
<OTHER-INCOME>                                   1,074                   1,990
<BENEFITS>                                      42,736                  63,534
<UNDERWRITING-AMORTIZATION>                      9,922                  18,554
<UNDERWRITING-OTHER>                                84                     507
<INCOME-PRETAX>                               (12,397)                (11,255)
<INCOME-TAX>                                   (4,396)                 (4,277)
<INCOME-CONTINUING>                            (8,001)                 (6,978)
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   (8,001)                 (6,978)
<EPS-PRIMARY>                                   (1.26)                  (1.10)
<EPS-DILUTED>                                   (1.26)                  (1.10)
<RESERVE-OPEN>                                  77,444                  71,390
<PROVISION-CURRENT>                             37,147                  56,543
<PROVISION-PRIOR>                                5,289                   6,691
<PAYMENTS-CURRENT>                               7,827                  10,938
<PAYMENTS-PRIOR>                                 9,737                  21,370
<RESERVE-CLOSE>                                102,316                 102,316
<CUMULATIVE-DEFICIENCY>                              0                       0
        

</TABLE>