<TABLE> <S> <C>

<ARTICLE> 7
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                    YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<DEBT-HELD-FOR-SALE>                        28,479,161              31,483,324
<DEBT-CARRYING-VALUE>                        4,956,910              10,501,712
<DEBT-MARKET-VALUE>                          5,064,541              10,631,003
<EQUITIES>                                     250,232                 839,973
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                              53,583,724              50,870,390
<CASH>                                         682,389               2,448,994
<RECOVER-REINSURE>                             306,258                 359,688
<DEFERRED-ACQUISITION>                      13,583,956              15,451,689
<TOTAL-ASSETS>                              81,205,193              82,142,465
<POLICY-LOSSES>                              1,727,300               1,409,031
<UNEARNED-PREMIUMS>                          6,023,399               7,108,662
<POLICY-OTHER>                                 540,789                 427,649
<POLICY-HOLDER-FUNDS>                           64,738                  59,686
<NOTES-PAYABLE>                              1,000,000               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>                81,205,193              82,142,465
<PREMIUMS>                                   7,228,227               7,643,650
<INVESTMENT-INCOME>                          3,587,147               3,545,311
<INVESTMENT-GAINS>                             525,181                 506,795
<OTHER-INCOME>                                       0                       0
<BENEFITS>                                   4,346,820               4,431,474
<UNDERWRITING-AMORTIZATION>                  3,484,689               3,542,617
<UNDERWRITING-OTHER>                         4,044,686               3,382,255
<INCOME-PRETAX>                               (625,640)                249,410
<INCOME-TAX>                                  (241,907)                 54,200
<INCOME-CONTINUING>                           (383,733)                195,210
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                  (383,733)                195,210
<EPS-PRIMARY>                                     (.20)                    .10
<EPS-DILUTED>                                     (.20)                    .10
<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>