<ARTICLE> 7 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <DEBT-HELD-FOR-SALE> 465,247,000 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 143,843,000 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 609,090,000 <CASH> 6,778,000 <RECOVER-REINSURE> 24,399,000 <DEFERRED-ACQUISITION> 86,995,000 <TOTAL-ASSETS> 895,303,000 <POLICY-LOSSES> 134,269,000 <UNEARNED-PREMIUMS> 322,265,000 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 21,244,000 <NOTES-PAYABLE> 53,685,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 911,000 <OTHER-SE> 269,474,000 <TOTAL-LIABILITY-AND-EQUITY> 895,303,000 <PREMIUMS> 110,498,000 <INVESTMENT-INCOME> 7,061,000 <INVESTMENT-GAINS> 1,882,000 <OTHER-INCOME> 9,300,000 <BENEFITS> 54,976,000 <UNDERWRITING-AMORTIZATION> 34,862,000 <UNDERWRITING-OTHER> 17,833,000 <INCOME-PRETAX> 13,021,000 <INCOME-TAX> 3,838,000 <INCOME-CONTINUING> 9,183,000 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,183,000 <EPS-BASIC> 1.00 <EPS-DILUTED> 0.97 <RESERVE-OPEN> 89,325,000 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 89,551,000 <CUMULATIVE-DEFICIENCY> 0