WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

 

<ARTICLE> 7
<LEGEND>
*Not disclosed on a quarterly basis.


                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-END>                               MAR-31-2000             JUN-30-2000
<DEBT-HELD-FOR-SALE>                        26,019,938              25,939,238
<DEBT-CARRYING-VALUE>                        4,471,811               4,305,264
<DEBT-MARKET-VALUE>                                 0*                      0*
<EQUITIES>                                   5,002,307               4,963,176
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                              35,572,911              35,286,660
<CASH>                                       6,637,676               8,619,670
<RECOVER-REINSURE>                                   0                       0
<DEFERRED-ACQUISITION>                               0                       0
<TOTAL-ASSETS>                              53,649,495              55,217,546
<POLICY-LOSSES>                             15,964,665              16,309,665
<UNEARNED-PREMIUMS>                                  0                       0
<POLICY-OTHER>                                 191,502                 212,981
<POLICY-HOLDER-FUNDS>                                0                       0
<NOTES-PAYABLE>                                      0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             1                       1
<OTHER-SE>                                  36,549,212              37,020,091
<TOTAL-LIABILITY-AND-EQUITY>                53,649,495              55,217,546
<PREMIUMS>                                   8,370,138              18,435,170
<INVESTMENT-INCOME>                            591,791               1,168,108
<INVESTMENT-GAINS>                              62,867                  84,766
<OTHER-INCOME>                                 301,437                 675,670
<BENEFITS>                                   1,244,804               3,067,126
<UNDERWRITING-AMORTIZATION>                          0                       0
<UNDERWRITING-OTHER>                         7,502,222              15,779,716
<INCOME-PRETAX>                                579,207               1,516,872
<INCOME-TAX>                                    57,600                 260,506
<INCOME-CONTINUING>                            521,607               1,256,366
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   521,607               1,256,366
<EPS-BASIC>                                      .20                     .48
<EPS-DILUTED>                                      .20                     .48
<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