<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<DEBT-HELD-FOR-SALE>                       192,590,516
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                   3,037,455
<MORTGAGE>                                  16,150,027
<REAL-ESTATE>                                  383,799
<TOTAL-INVEST>                             222,839,847
<CASH>                                       3,176,822
<RECOVER-REINSURE>                             155,828
<DEFERRED-ACQUISITION>                      26,585,788
<TOTAL-ASSETS>                             285,907,021
<POLICY-LOSSES>                            203,176,223
<UNEARNED-PREMIUMS>                         18,883,830
<POLICY-OTHER>                               1,789,683
<POLICY-HOLDER-FUNDS>                        1,838,517
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,446,837
<OTHER-SE>                                  47,508,919
<TOTAL-LIABILITY-AND-EQUITY>               285,907,021
<PREMIUMS>                                  30,344,711
<INVESTMENT-INCOME>                         10,539,966
<INVESTMENT-GAINS>                             177,288
<OTHER-INCOME>                                 257,274
<BENEFITS>                                  13,458,614
<UNDERWRITING-AMORTIZATION>                  (139,453)
<UNDERWRITING-OTHER>                        25,166,277
<INCOME-PRETAX>                              2,833,801
<INCOME-TAX>                                   595,098
<INCOME-CONTINUING>                          2,238,703
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,238,703
<EPS-PRIMARY>                                     2.48
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0