<ARTICLE> 7
<LEGEND>
These schedules contain summary financial information extracted from Motor Club
of America's Consolidated Balance Sheets for the period ended March 31, 2000 and
the Consolidated Statements of Operations for the three months ended and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                       102,484,362
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                      93,868
<MORTGAGE>                                     147,242
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             102,725,472
<CASH>                                         626,329
<RECOVER-REINSURE>                          31,383,960
<DEFERRED-ACQUISITION>                      11,403,243
<TOTAL-ASSETS>                             193,736,545
<POLICY-LOSSES>                             84,300,299
<UNEARNED-PREMIUMS>                         47,875,857
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                             11,500,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,062,194
<OTHER-SE>                                  26,705,343
<TOTAL-LIABILITY-AND-EQUITY>               193,736,545
<PREMIUMS>                                  18,259,427
<INVESTMENT-INCOME>                          1,399,286
<INVESTMENT-GAINS>                                   0
<OTHER-INCOME>                                  39,719
<BENEFITS>                                  12,482,005
<UNDERWRITING-AMORTIZATION>                  5,195,884
<UNDERWRITING-OTHER>                         1,742,823
<INCOME-PRETAX>                                277,720
<INCOME-TAX>                                    28,208
<INCOME-CONTINUING>                            249,512
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   249,512
<EPS-BASIC>                                        .12
<EPS-DILUTED>                                      .12
<RESERVE-OPEN>                              70,983,383
<PROVISION-CURRENT>                         19,237,070
<PROVISION-PRIOR>                          (4,070,364)
<PAYMENTS-CURRENT>                         (8,440,136)
<PAYMENTS-PRIOR>                            10,289,926
<RESERVE-CLOSE>                             84,300,299
<CUMULATIVE-DEFICIENCY>                    (4,070,364)