<ARTICLE> 7 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 83,632 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 4 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 112,590 <CASH> 1,414 <RECOVER-REINSURE> 2,383 <DEFERRED-ACQUISITION> 36,537 <TOTAL-ASSETS> 287,678 <POLICY-LOSSES> 54,909 <UNEARNED-PREMIUMS> 132 <POLICY-OTHER> 41,456 <POLICY-HOLDER-FUNDS> 5,836 <NOTES-PAYABLE> 67,989 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,169 <OTHER-SE> 81,566 <TOTAL-LIABILITY-AND-EQUITY> 287,678 <PREMIUMS> 43,889 <INVESTMENT-INCOME> 7,643 <INVESTMENT-GAINS> 0 <OTHER-INCOME> 4,807 <BENEFITS> 21,011 <UNDERWRITING-AMORTIZATION> 3,755 <UNDERWRITING-OTHER> 16,184 <INCOME-PRETAX> 10,394 <INCOME-TAX> 2,428 <INCOME-CONTINUING> 10,017 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,017 <EPS-PRIMARY> 9.04 <EPS-DILUTED> 9.04 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0