<ARTICLE> 7
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED  FROM FORM 10-Q
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<DEBT-HELD-FOR-SALE>                            80,699
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           4
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 110,677
<CASH>                                           1,828
<RECOVER-REINSURE>                               1,758
<DEFERRED-ACQUISITION>                          36,002
<TOTAL-ASSETS>                                 277,916
<POLICY-LOSSES>                                 56,313
<UNEARNED-PREMIUMS>                                136
<POLICY-OTHER>                                  38,442
<POLICY-HOLDER-FUNDS>                            5,008
<NOTES-PAYABLE>                                 69,841
<COMMON>                                         1,169
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      73,998
<TOTAL-LIABILITY-AND-EQUITY>                   277,916
<PREMIUMS>                                      33,016
<INVESTMENT-INCOME>                              5,682
<INVESTMENT-GAINS>                                   0
<OTHER-INCOME>                                   2,429
<BENEFITS>                                      15,264
<UNDERWRITING-AMORTIZATION>                      2,710
<UNDERWRITING-OTHER>                            10,987
<INCOME-PRETAX>                                  8,451
<INCOME-TAX>                                     2,061
<INCOME-CONTINUING>                              7,784
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,784
<EPS-PRIMARY>                                     7.03
<EPS-DILUTED>                                     7.03
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0