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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<DEBT-HELD-FOR-SALE>                           77,820
<DEBT-CARRYING-VALUE>                               0
<DEBT-MARKET-VALUE>                                 0
<EQUITIES>                                          4
<MORTGAGE>                                          0
<REAL-ESTATE>                                       0
<TOTAL-INVEST>                                106,797
<CASH>                                          2,198
<RECOVER-REINSURE>                             14,949
<DEFERRED-ACQUISITION>                         51,836
<TOTAL-ASSETS>                                296,503
<POLICY-LOSSES>                                60,913
<UNEARNED-PREMIUMS>                                14
<POLICY-OTHER>                                 44,681
<POLICY-HOLDER-FUNDS>                           4,282
<NOTES-PAYABLE>                                43,035
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,169
<OTHER-SE>                                    114,860
<TOTAL-LIABILITY-AND-EQUITY>                  296,503
<PREMIUMS>                                     26,198
<INVESTMENT-INCOME>                             5,187
<INVESTMENT-GAINS>                                  0
<OTHER-INCOME>                                  1,026
<BENEFITS>                                     11,490
<UNDERWRITING-AMORTIZATION>                     3,737
<UNDERWRITING-OTHER>                            8,450
<INCOME-PRETAX>                                 7,499
<INCOME-TAX>                                      954
<INCOME-CONTINUING>                             6,545
<DISCONTINUED>                                      0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    6,545
<EPS-BASIC>                                      1.29
<EPS-DILUTED>                                    1.26
<RESERVE-OPEN>                                      0
<PROVISION-CURRENT>                                 0
<PROVISION-PRIOR>                                   0
<PAYMENTS-CURRENT>                                  0
<PAYMENTS-PRIOR>                                    0
<RESERVE-CLOSE>                                     0
<CUMULATIVE-DEFICIENCY>                             0