<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 entiretly by reference to such financial statements.
</LEGEND>

<S>                                                   <C>
<PERIOD-TYPE>                                                   9-MOS
<FISCAL-YEAR-END>                                         DEC-31-2000
<PERIOD-END>                                              SEP-30-2000
<DEBT-HELD-FOR-SALE>                                          236,489
<DEBT-CARRYING-VALUE>                                               0
<DEBT-MARKET-VALUE>                                                 0
<EQUITIES>                                                     18,762
<MORTGAGE>                                                      8,535
<REAL-ESTATE>                                                   3,055
<TOTAL-INVEST>                                                430,775
<CASH>                                                          9,767
<RECOVER-REINSURE>                                             50,121
<DEFERRED-ACQUISITION>                                          7,410
<TOTAL-ASSETS>                                              1,092,945
<POLICY-LOSSES>                                               574,230
<UNEARNED-PREMIUMS>                                            39,114
<POLICY-OTHER>                                                      0
<POLICY-HOLDER-FUNDS>                                               0
<NOTES-PAYABLE>                                                94,875
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        6,215
<OTHER-SE>                                                    174,768
<TOTAL-LIABILITY-AND-EQUITY>                                1,092,945
<PREMIUMS>                                                    129,102
<INVESTMENT-INCOME>                                            17,719
<INVESTMENT-GAINS>                                              1,824
<OTHER-INCOME>                                                      0
<BENEFITS>                                                    106,487
<UNDERWRITING-AMORTIZATION>                                    10,085
<UNDERWRITING-OTHER>                                           32,364
<INCOME-PRETAX>                                                (8,329)
<INCOME-TAX>                                                   (3,628)
<INCOME-CONTINUING>                                            (4,701)
<DISCONTINUED>                                                      0
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                   (4,701)
<EPS-BASIC>                                                      (.33)
<EPS-DILUTED>                                                    (.33)
<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>