<TABLE> <S> <C>

<ARTICLE>                                          7

<S>                                                <C>
<PERIOD-TYPE>                                      3-MOS
<FISCAL-YEAR-END>                                  DEC-3-1999
<PERIOD-END>                                       MAR-31-2000
<DEBT-HELD-FOR-SALE>                                             22,973,864
<DEBT-CARRYING-VALUE>                                            43,444,418
<DEBT-MARKET-VALUE>                                              43,214,089
<EQUITIES>                                                        5,707,929
<MORTGAGE>                                                       17,813,721
<REAL-ESTATE>                                                     8,323,187
<TOTAL-INVEST>                                                  110,109,342
<CASH>                                                            5,605,282
<RECOVER-REINSURE>                                                  415,491
<DEFERRED-ACQUISITION>                                           20,172,335
<TOTAL-ASSETS>                                                  205,367,255
<POLICY-LOSSES>                                                  44,818,905
<UNEARNED-PREMIUMS>                                               1,627,852
<POLICY-OTHER>                                                    3,020,250
<POLICY-HOLDER-FUNDS>                                            89,407,192
<NOTES-PAYABLE>                                                  14,577,714
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                         10,838,534
<OTHER-SE>                                                       10,015,940
<TOTAL-LIABILITY-AND-EQUITY>                                    205,367,255
<PREMIUMS>                                                        3,393,774
<INVESTMENT-INCOME>                                               2,803,749
<INVESTMENT-GAINS>                                                   32,725
<OTHER-INCOME>                                                       52,486
<BENEFITS>                                                        3,131,820
<UNDERWRITING-AMORTIZATION>                                       1,121,029
<UNDERWRITING-OTHER>                                                      0
<INCOME-PRETAX>                                                     245,076
<INCOME-TAX>                                                         59,062
<INCOME-CONTINUING>                                                 167,206
<DISCONTINUED>                                                            0
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                        167,206
<EPS-BASIC>                                                            0.04
<EPS-DILUTED>                                                          0.04
<RESERVE-OPEN>                                                            0
<PROVISION-CURRENT>                                                       0
<PROVISION-PRIOR>                                                         0
<PAYMENTS-CURRENT>                                                        0
<PAYMENTS-PRIOR>                                                          0
<RESERVE-CLOSE>                                                           0
<CUMULATIVE-DEFICIENCY>                                                   0


</TABLE>