<ARTICLE> 7
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               MAR-31-1995             MAR-31-1994
<DEBT-HELD-FOR-SALE>                                 0                       0
<DEBT-CARRYING-VALUE>                         18407225                18415026
<DEBT-MARKET-VALUE>                           57856473                56573764
<EQUITIES>                                        1891                    1892
<MORTGAGE>                                     2566544                 2623531
<REAL-ESTATE>                                   804960                  754189
<TOTAL-INVEST>                                95600298                93828650
<CASH>                                         3952743                 4259887
<RECOVER-REINSURE>                             1711922                 1680287
<DEFERRED-ACQUISITION>                        35190936                34537464
<TOTAL-ASSETS>                               152477360               149797604
<POLICY-LOSSES>                              104153479               101754835
<UNEARNED-PREMIUMS>                                  0                       0
<POLICY-OTHER>                                 6930187                 6697901
<POLICY-HOLDER-FUNDS>                          1659480                 1611908
<NOTES-PAYABLE>                                 694672                  712373
<COMMON>                                      21740565                21740565
<PREFERRED-MANDATORY>                          0000000                 0000000
<PREFERRED>                                     000000                  000000
<OTHER-SE>                                    14882220                13314808
<TOTAL-LIABILITY-AND-EQUITY>                 152477360               149797604
<PREMIUMS>                                     9273129                 8442489
<INVESTMENT-INCOME>                            1503937                 1300217
<INVESTMENT-GAINS>                             (31017)                  487350
<OTHER-INCOME>                                   87682                   32918
<BENEFITS>                                     7251715                 6557747
<UNDERWRITING-AMORTIZATION>                          0                       0
<UNDERWRITING-OTHER>                           0000000                 0000000
<INCOME-PRETAX>                                 335855                 1072048
<INCOME-TAX>                                     62972                  153287
<INCOME-CONTINUING>                             272883                  918761
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    272883                  918761
<EPS-PRIMARY>                                        0                       0
<EPS-DILUTED>                                        0                       0
<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