<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