<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<DEBT-HELD-FOR-SALE>                            35,306                  44,650                  50,175
<DEBT-CARRYING-VALUE>                           53,936                  53,893                  53,851
<DEBT-MARKET-VALUE>                             53,607                  54,107                  54,533
<EQUITIES>                                           0                       0                       0
<MORTGAGE>                                           0                       0                       0
<REAL-ESTATE>                                        0                       0                       0
<TOTAL-INVEST>                                  89,242                  98,543                 104,026
<CASH>                                          15,847                  10,469                  10,613
<RECOVER-REINSURE>                               5,856                   5,710                   5,406
<DEFERRED-ACQUISITION>                           1,856                   1,782                   1,722
<TOTAL-ASSETS>                                 131,280                 136,830                 141,191
<POLICY-LOSSES>                                 51,840                  55,062                  57,681
<UNEARNED-PREMIUMS>                             15,903                  16,037                  15,809
<POLICY-OTHER>                                       0                       0                       0
<POLICY-HOLDER-FUNDS>                                0                       0                       0
<NOTES-PAYABLE>                                  6,773                   6,807                   6,840
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        28,822                  28,976                  28,976
<OTHER-SE>                                      23,699                  25,533                  27,648
<TOTAL-LIABILITY-AND-EQUITY>                   131,280                 136,830                 141,191
<PREMIUMS>                                      19,203                  38,855                  59,278
<INVESTMENT-INCOME>                              1,567                   3,177                   5,083
<INVESTMENT-GAINS>                                   0                       0                       0
<OTHER-INCOME>                                       0                       0                       0
<BENEFITS>                                      12,742                  25,866                  40,116
<UNDERWRITING-AMORTIZATION>                      2,614                   5,606                   8,482
<UNDERWRITING-OTHER>                             3,086                   5,720                   8,049
<INCOME-PRETAX>                                  2,132                   4,448                   7,126
<INCOME-TAX>                                       792                   1,642                   2,615
<INCOME-CONTINUING>                                  0                       0                       0
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     1,340                   2,806                   4,511
<EPS-PRIMARY>                                     0.11                    0.24                    0.38
<EPS-DILUTED>                                     0.11                    0.23                    0.37
<RESERVE-OPEN>                                       0                       0                       0
<PROVISION-CURRENT>                                  0                       0                       0
<PROVISION-PRIOR>                                    0                       0                       0
<PAYMENTS-CURRENT>                                   0                       0                       0
<PAYMENTS-PRIOR>                                     0                       0                       0
<RESERVE-CLOSE>                                      0                       0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0
        

</TABLE>