<ARTICLE> 7 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q FOR THE THREE MONTHS ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> Mar-31-2000 <DEBT-HELD-FOR-SALE> 78,920 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 4 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 104,649 <CASH> 873 <RECOVER-REINSURE> 15,667 <DEFERRED-ACQUISITION> 53,112 <TOTAL-ASSETS> 294,093 <POLICY-LOSSES> 60,979 <UNEARNED-PREMIUMS> 14 <POLICY-OTHER> 43,336 <POLICY-HOLDER-FUNDS> 4,211 <NOTES-PAYABLE> 39,960 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,169 <OTHER-SE> 116,338 <TOTAL-LIABILITY-AND-EQUITY> 294,093 <PREMIUMS> 8,401 <INVESTMENT-INCOME> 1,740 <INVESTMENT-GAINS> 0 <OTHER-INCOME> 0 <BENEFITS> 3,351 <UNDERWRITING-AMORTIZATION> 1,349 <UNDERWRITING-OTHER> 2,947 <INCOME-PRETAX> 2,473 <INCOME-TAX> 259 <INCOME-CONTINUING> 2,214 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,214 <EPS-BASIC> 0.44 <EPS-DILUTED> 0.43 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0