<TABLE> <S> <C>

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

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             APR-01-1999             JAN-01-1999
<PERIOD-END>                               JUN-30-1999             JUN-30-1999
<DEBT-HELD-FOR-SALE>                           143,364                 143,364
<DEBT-CARRYING-VALUE>                                0                       0
<DEBT-MARKET-VALUE>                                  0                       0
<EQUITIES>                                       5,802                   5,802
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                                 150,191                 150,191
<CASH>                                             907                     907
<RECOVER-REINSURE>                              45,143                  45,143
<DEFERRED-ACQUISITION>                           2,628                   2,628
<TOTAL-ASSETS>                                 255,975                 255,975
<POLICY-LOSSES>                                136,299                 136,299
<UNEARNED-PREMIUMS>                             20,841                  20,841
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                              679                     679
<NOTES-PAYABLE>                                 11,753                  11,753
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            63                      63
<OTHER-SE>                                      72,197                  72,197
<TOTAL-LIABILITY-AND-EQUITY>                   255,975                 255,975
<PREMIUMS>                                      17,719                  34,406
<INVESTMENT-INCOME>                              2,401                   5,141
<INVESTMENT-GAINS>                             (1,655)                 (1,554)
<OTHER-INCOME>                                   1,282                   2,322
<BENEFITS>                                      11,176                  22,414
<UNDERWRITING-AMORTIZATION>                      6,874                  14,051
<UNDERWRITING-OTHER>                               276                     427
<INCOME-PRETAX>                                  1,235                   3,153
<INCOME-TAX>                                       390                   1,029
<INCOME-CONTINUING>                                845                   2,124
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       845                   2,124
<EPS-BASIC>                                       0.14                    0.36
<EPS-DILUTED>                                     0.14                    0.36
<RESERVE-OPEN>                                 101,731                 111,179
<PROVISION-CURRENT>                             11,798                  23,246
<PROVISION-PRIOR>                                (622)                   (832)
<PAYMENTS-CURRENT>                               5,953                   9,506
<PAYMENTS-PRIOR>                                15,798                  32,931
<RESERVE-CLOSE>                                 91,156                  91,156
<CUMULATIVE-DEFICIENCY>                              0                       0


</TABLE>