<TABLE> <S> <C>

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<S>                                                        <C>
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<PERIOD-END>                                               DEC-31-1998
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<CASH>                                                        32385
<RECOVER-REINSURE>                                            22772
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<TOTAL-ASSETS>                                               272849
<POLICY-LOSSES>                                              125680
<UNEARNED-PREMIUMS>                                           22971
<POLICY-OTHER>                                                 3726
<POLICY-HOLDER-FUNDS>                                             0
<NOTES-PAYABLE>                                               26000
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<DISCONTINUED>                                                    0
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                   8558
<EPS-PRIMARY>                                                  0.37
<EPS-DILUTED>                                                  0.37
<RESERVE-OPEN>                                                62715
<PROVISION-CURRENT>                                           63030
<PROVISION-PRIOR>                                             (2606)
<PAYMENTS-CURRENT>                                            35566
<PAYMENTS-PRIOR>                                              23430
<RESERVE-CLOSE>                                               64143
<CUMULATIVE-DEFICIENCY>                                           0
                                                     

</TABLE>