<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)