<TABLE> <S> <C>

<ARTICLE>                                          7

<S>                                                <C>
<PERIOD-TYPE>                                      YEAR
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       DEC-31-1999
<DEBT-HELD-FOR-SALE>                                      23,951,111
<DEBT-CARRYING-VALUE>                                      3,978,871
<DEBT-MARKET-VALUE>                                        3,985,336
<EQUITIES>                                                   378,440
<MORTGAGE>                                                 1,497,688
<REAL-ESTATE>                                                      0
<TOTAL-INVEST>                                            46,730,050
<CASH>                                                     4,080,484
<RECOVER-REINSURE>                                           373,459
<DEFERRED-ACQUISITION>                                    12,874,219
<TOTAL-ASSETS>                                            77,208,941
<POLICY-LOSSES>                                            1,648,976
<UNEARNED-PREMIUMS>                                        5,323,954
<POLICY-OTHER>                                               540,407
<POLICY-HOLDER-FUNDS>                                         69,789
<NOTES-PAYABLE>                                            1,000,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                   1,907,989
<OTHER-SE>                                                 4,011,519
<TOTAL-LIABILITY-AND-EQUITY>                              77,208,941
<PREMIUMS>                                                 6,901,546
<INVESTMENT-INCOME>                                        3,909,373
<INVESTMENT-GAINS>                                                 0
<OTHER-INCOME>                                               715,128
<BENEFITS>                                                 4,453,564
<UNDERWRITING-AMORTIZATION>                                3,029,223
<UNDERWRITING-OTHER>                                       3,261,134
<INCOME-PRETAX>                                              782,126
<INCOME-TAX>                                                 150,168
<INCOME-CONTINUING>                                          631,958
<DISCONTINUED>                                                     0
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                 631,958
<EPS-BASIC>                                                     0.33
<EPS-DILUTED>                                                   0.33
<RESERVE-OPEN>                                                     0
<PROVISION-CURRENT>                                                0
<PROVISION-PRIOR>                                                  0
<PAYMENTS-CURRENT>                                                 0
<PAYMENTS-PRIOR>                                                   0
<RESERVE-CLOSE>                                                    0
<CUMULATIVE-DEFICIENCY>                                            0


</TABLE>