<TABLE> <S> <C>

<ARTICLE>                                  7
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited consolidated financial statements included in the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                                                   <C>
<PERIOD-TYPE>                                                   3-MOS
<FISCAL-YEAR-END>                                         DEC-31-2000
<PERIOD-END>                                              MAR-31-2000
<DEBT-HELD-FOR-SALE>                                          237,964
<DEBT-CARRYING-VALUE>                                               0
<DEBT-MARKET-VALUE>                                                 0
<EQUITIES>                                                     22,565
<MORTGAGE>                                                      8,787
<REAL-ESTATE>                                                   3,177
<TOTAL-INVEST>                                                407,941
<CASH>                                                          1,564
<RECOVER-REINSURE>                                             62,809
<DEFERRED-ACQUISITION>                                         13,820
<TOTAL-ASSETS>                                              1,075,519
<POLICY-LOSSES>                                               625,634
<UNEARNED-PREMIUMS>                                           108,581
<POLICY-OTHER>                                                      0
<POLICY-HOLDER-FUNDS>                                               0
<NOTES-PAYABLE>                                                94,875
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        6,210
<OTHER-SE>                                                    174,930
<TOTAL-LIABILITY-AND-EQUITY>                                1,075,519
<PREMIUMS>                                                     52,396
<INVESTMENT-INCOME>                                             5,418
<INVESTMENT-GAINS>                                              1,565
<OTHER-INCOME>                                                      0
<BENEFITS>                                                     39,713
<UNDERWRITING-AMORTIZATION>                                     3,675
<UNDERWRITING-OTHER>                                           16,624
<INCOME-PRETAX>                                                (3,290)
<INCOME-TAX>                                                   (1,400)
<INCOME-CONTINUING>                                            (1,890)
<DISCONTINUED>                                                      0
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                   (1,890)
<EPS-BASIC>                                                    (.13)
<EPS-DILUTED>                                                    (.13)
<RESERVE-OPEN>                                                      0<F1>
<PROVISION-CURRENT>                                                 0<F1>
<PROVISION-PRIOR>                                                   0<F1>
<PAYMENTS-CURRENT>                                                  0<F1>
<PAYMENTS-PRIOR>                                                    0<F1>
<RESERVE-CLOSE>                                                     0<F1>
<CUMULATIVE-DEFICIENCY>                                             0<F1>
<FN>
<F1>This amount is presented on an annual basis. See 12/31/99 Form 10-K for the
most recent reported amounts.
</FN>


</TABLE>