<TABLE> <S> <C>

<ARTICLE>                                          7

<S>                                                <C>
<PERIOD-TYPE>                                      9-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       SEP-30-2000
<DEBT-HELD-FOR-SALE>                                                  23,138,763
<DEBT-CARRYING-VALUE>                                                 40,492,606
<DEBT-MARKET-VALUE>                                                   40,175,624
<EQUITIES>                                                             5,791,835
<MORTGAGE>                                                            17,376,360
<REAL-ESTATE>                                                          8,210,316
<TOTAL-INVEST>                                                       107,199,300
<CASH>                                                                 3,142,834
<RECOVER-REINSURE>                                                       337,143
<DEFERRED-ACQUISITION>                                                11,004,693
<TOTAL-ASSETS>                                                       203,543,189
<POLICY-LOSSES>                                                       48,801,833
<UNEARNED-PREMIUMS>                                                    1,299,474
<POLICY-OTHER>                                                         2,017,543
<POLICY-HOLDER-FUNDS>                                                 87,992,518
<NOTES-PAYABLE>                                                       13,129,556
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                              10,838,534
<OTHER-SE>                                                            10,015,940
<TOTAL-LIABILITY-AND-EQUITY>                                         203,543,189
<PREMIUMS>                                                             9,921,476
<INVESTMENT-INCOME>                                                    8,946,121
<INVESTMENT-GAINS>                                                        37,294
<OTHER-INCOME>                                                            85,909
<BENEFITS>                                                             8,865,532
<UNDERWRITING-AMORTIZATION>                                            3,560,269
<UNDERWRITING-OTHER>                                                           0
<INCOME-PRETAX>                                                          768,603
<INCOME-TAX>                                                             189,467
<INCOME-CONTINUING>                                                      531,110
<DISCONTINUED>                                                                 0
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                             531,110
<EPS-BASIC>                                                                 0.12
<EPS-DILUTED>                                                               0.12
<RESERVE-OPEN>                                                                 0
<PROVISION-CURRENT>                                                            0
<PROVISION-PRIOR>                                                              0
<PAYMENTS-CURRENT>                                                             0
<PAYMENTS-PRIOR>                                                               0
<RESERVE-CLOSE>                                                                0
<CUMULATIVE-DEFICIENCY>                                                        0


</TABLE>