<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                    YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1996
<PERIOD-END>                               DEC-31-1995             DEC-31-1996
<DEBT-HELD-FOR-SALE>                        21,812,096              24,476,239
<DEBT-CARRYING-VALUE>                       15,165,395              14,974,962
<DEBT-MARKET-VALUE>                         15,494,540              15,140,919
<EQUITIES>                                   1,715,386                       0
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                              50,186,208              51,319,216
<CASH>                                         406,752                 206,056
<RECOVER-REINSURE>                             514,341                 379,692
<DEFERRED-ACQUISITION>                      18,145,111              16,979,612
<TOTAL-ASSETS>                              81,872,350              81,809,360
<POLICY-LOSSES>                              1,050,498                 985,720
<UNEARNED-PREMIUMS>                          9,116,890               8,249,190
<POLICY-OTHER>                                 191,955                 293,221
<POLICY-HOLDER-FUNDS>                           57,444                  59,596
<NOTES-PAYABLE>                              2,400,553               1,000,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     1,907,989               1,907,989
<OTHER-SE>                                   4,011,519               4,011,519
<TOTAL-LIABILITY-AND-EQUITY>                81,872,350              81,809,360
<PREMIUMS>                                   8,158,938               7,915,027
<INVESTMENT-INCOME>                          2,998,875               3,318,627
<INVESTMENT-GAINS>                              60,237                 869,502
<OTHER-INCOME>                                       0                       0
<BENEFITS>                                   4,048,125               3,813,361
<UNDERWRITING-AMORTIZATION>                  3,069,742               3,364,738
<UNDERWRITING-OTHER>                         2,735,280               3,246,552
<INCOME-PRETAX>                              1,274,903               1,588,505
<INCOME-TAX>                                   160,000                 196,000
<INCOME-CONTINUING>                          1,114,903               1,392,505
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,114,903               1,392,505
<EPS-PRIMARY>                                      .58                     .73
<EPS-DILUTED>                                      .58                     .73
<RESERVE-OPEN>                                       0                       0
<PROVISION-CURRENT>                                  0                       0
<PROVISION-PRIOR>                                    0                       0
<PAYMENTS-CURRENT>                                   0                       0
<PAYMENTS-PRIOR>                                     0                       0
<RESERVE-CLOSE>                                      0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0
        

</TABLE>