<TABLE> <S> <C>

<ARTICLE>                                          7

<S>                                                <C>
<PERIOD-TYPE>                                      6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       JUN-30-2000
<DEBT-HELD-FOR-SALE>                                                22,675,530
<DEBT-CARRYING-VALUE>                                               41,943,663
<DEBT-MARKET-VALUE>                                                 41,726,466
<EQUITIES>                                                           5,677,291
<MORTGAGE>                                                          17,865,330
<REAL-ESTATE>                                                        8,262,056
<TOTAL-INVEST>                                                     108,335,346
<CASH>                                                               4,824,676
<RECOVER-REINSURE>                                                     459,877
<DEFERRED-ACQUISITION>                                              19,457,411
<TOTAL-ASSETS>                                                     205,807,731
<POLICY-LOSSES>                                                     50,147,314
<UNEARNED-PREMIUMS>                                                  1,481,659
<POLICY-OTHER>                                                       2,007,009
<POLICY-HOLDER-FUNDS>                                               87,030,585
<NOTES-PAYABLE>                                                     16,155,597
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                            10,838,534
<OTHER-SE>                                                          10,015,940
<TOTAL-LIABILITY-AND-EQUITY>                                       205,807,731
<PREMIUMS>                                                           6,599,889
<INVESTMENT-INCOME>                                                  5,894,207
<INVESTMENT-GAINS>                                                      31,567
<OTHER-INCOME>                                                          66,689
<BENEFITS>                                                           6,056,966
<UNDERWRITING-AMORTIZATION>                                          2,317,592
<UNDERWRITING-OTHER>                                                         0
<INCOME-PRETAX>                                                        447,456
<INCOME-TAX>                                                           110,316
<INCOME-CONTINUING>                                                    306,480
<DISCONTINUED>                                                               0
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                           306,480
<EPS-BASIC>                                                               0.07
<EPS-DILUTED>                                                             0.07
<RESERVE-OPEN>                                                               0
<PROVISION-CURRENT>                                                          0
<PROVISION-PRIOR>                                                            0
<PAYMENTS-CURRENT>                                                           0
<PAYMENTS-PRIOR>                                                             0
<RESERVE-CLOSE>                                                              0
<CUMULATIVE-DEFICIENCY>                                                      0


</TABLE>