<ARTICLE>                                           7
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM FOR 10-Q FOR
THE SIX  MONTHS  ENDED  JUNE  30,  1999  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
REFERENCES
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<DEBT-HELD-FOR-SALE>                            75,244
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           4
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 106,840
<CASH>                                           1,002
<RECOVER-REINSURE>                              13,562
<DEFERRED-ACQUISITION>                          50,635
<TOTAL-ASSETS>                                 295,523
<POLICY-LOSSES>                                 59,826
<UNEARNED-PREMIUMS>                                 14
<POLICY-OTHER>                                  44,681
<POLICY-HOLDER-FUNDS>                            4,441
<NOTES-PAYABLE>                                 44,571
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,169
<OTHER-SE>                                     113,601
<TOTAL-LIABILITY-AND-EQUITY>                   295,523
<PREMIUMS>                                      17,682
<INVESTMENT-INCOME>                              3,454
<INVESTMENT-GAINS>                                   0
<OTHER-INCOME>                                     702
<BENEFITS>                                       7,933
<UNDERWRITING-AMORTIZATION>                      2,383
<UNDERWRITING-OTHER>                             5,722
<INCOME-PRETAX>                                  4,842
<INCOME-TAX>                                       773
<INCOME-CONTINUING>                              4,069
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,069
<EPS-BASIC>                                     0.81
<EPS-DILUTED>                                     0.78
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0