<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<DEBT-HELD-FOR-SALE>                       137,401,716
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                   2,565,936
<MORTGAGE>                                  13,058,464
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             164,357,100
<CASH>                                       2,376,981
<RECOVER-REINSURE>                              79,430
<DEFERRED-ACQUISITION>                      28,260,113
<TOTAL-ASSETS>                             210,489,896
<POLICY-LOSSES>                            155,182,145
<UNEARNED-PREMIUMS>                          6,512,362
<POLICY-OTHER>                               1,665,949
<POLICY-HOLDER-FUNDS>                        2,100,363
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,441,797
<OTHER-SE>                                  37,218,189
<TOTAL-LIABILITY-AND-EQUITY>               210,489,896
<PREMIUMS>                                  33,061,376
<INVESTMENT-INCOME>                         10,815,048
<INVESTMENT-GAINS>                              57,048
<OTHER-INCOME>                                 142,934
<BENEFITS>                                  17,291,402
<UNDERWRITING-AMORTIZATION>                  1,104,957
<UNDERWRITING-OTHER>                        24,797,462
<INCOME-PRETAX>                                884,585
<INCOME-TAX>                                  (32,000)
<INCOME-CONTINUING>                            916,585
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   916,585
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0