<ARTICLE> 7 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FORM FORM 10-Q FOR THE SIX MONTHS ENDED JUNE 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <DEBT-HELD-FOR-SALE> 80,789 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 4 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 110,379 <CASH> 2,341 <RECOVER-REINSURE> 1,992 <DEFERRED-ACQUISITION> 34,542 <TOTAL-ASSETS> 276,035 <POLICY-LOSSES> 56,252 <UNEARNED-PREMIUMS> 150 <POLICY-OTHER> 36,440 <POLICY-HOLDER-FUNDS> 5,759 <NOTES-PAYABLE> 71,932 <COMMON> 1,169 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 71,205 <TOTAL-LIABILITY-AND-EQUITY> 276,035 <PREMIUMS> 22,941 <INVESTMENT-INCOME> 3,753 <INVESTMENT-GAINS> 0 <OTHER-INCOME> 1,626 <BENEFITS> 12,810 <UNDERWRITING-AMORTIZATION> 1,752 <UNDERWRITING-OTHER> 6,912 <INCOME-PRETAX> 6,033 <INCOME-TAX> 1,565 <INCOME-CONTINUING> 5,427 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,427 <EPS-PRIMARY> 4.91 <EPS-DILUTED> 4.91 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0