<ARTICLE>                                           7
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K FOR
THE YEAR ENDED  DECEMBER  31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                    1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                 Dec-31-1999
<DEBT-HELD-FOR-SALE>                             77,515
<DEBT-CARRYING-VALUE>                                 0
<DEBT-MARKET-VALUE>                                   0
<EQUITIES>                                            4
<MORTGAGE>                                            0
<REAL-ESTATE>                                         0
<TOTAL-INVEST>                                  105,953
<CASH>                                              692
<RECOVER-REINSURE>                               14,848
<DEFERRED-ACQUISITION>                           52,490
<TOTAL-ASSETS>                                  294,054
<POLICY-LOSSES>                                  59,783
<UNEARNED-PREMIUMS>                                  14
<POLICY-OTHER>                                   44,681
<POLICY-HOLDER-FUNDS>                             4,282
<NOTES-PAYABLE>                                  41,497
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          1,169
<OTHER-SE>                                      114,948
<TOTAL-LIABILITY-AND-EQUITY>                    294,054
<PREMIUMS>                                       33,958
<INVESTMENT-INCOME>                               6,928
<INVESTMENT-GAINS>                                  629
<OTHER-INCOME>                                    1,046
<BENEFITS>                                       13,940
<UNDERWRITING-AMORTIZATION>                       5,158
<UNDERWRITING-OTHER>                             11,740
<INCOME-PRETAX>                                  10,323
<INCOME-TAX>                                      1,174
<INCOME-CONTINUING>                               9,149
<DISCONTINUED>                                        0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      9,149
<EPS-BASIC>                                        1.81
<EPS-DILUTED>                                      1.76
<RESERVE-OPEN>                                        0
<PROVISION-CURRENT>                                   0
<PROVISION-PRIOR>                                     0
<PAYMENTS-CURRENT>                                    0
<PAYMENTS-PRIOR>                                      0
<RESERVE-CLOSE>                                       0
<CUMULATIVE-DEFICIENCY>                               0