<ARTICLE> 7
<MULTIPLIER> 1
       
                                         
<PERIOD-TYPE>                              QTR-3
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<DEBT-HELD-FOR-SALE>                       334,301,000
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             342,648,000
<CASH>                                       1,224,000
<RECOVER-REINSURE>                             909,000
<DEFERRED-ACQUISITION>                      14,350,000
<TOTAL-ASSETS>                             466,035,000
<POLICY-LOSSES>                            203,955,000
<UNEARNED-PREMIUMS>                         54,616,000
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                             69,000,000
<COMMON>                                       954,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 123,543,000
<TOTAL-LIABILITY-AND-EQUITY>               466,035,000
<PREMIUMS>                                  96,329,000
<INVESTMENT-INCOME>                         16,049,000
<INVESTMENT-GAINS>                              39,000
<OTHER-INCOME>                                       0
<BENEFITS>                                  69,510,000
<UNDERWRITING-AMORTIZATION>                 24,380,000
<UNDERWRITING-OTHER>                         8,042,000
<INCOME-PRETAX>                              7,639,000
<INCOME-TAX>                                   611,000
<INCOME-CONTINUING>                          7,028,000
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 7,028,000
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                      .81
<RESERVE-OPEN>                                       0 
<PROVISION-CURRENT>                                  0 
<PROVISION-PRIOR>                                    0 
<PAYMENTS-CURRENT>                                   0 
<PAYMENTS-PRIOR>                                     0 
<RESERVE-CLOSE>                                      0 
<CUMULATIVE-DEFICIENCY>                              0 

<FN> According to "Securities Act Guide 6," the items beginning with "Reserve-
     Open" and ending with "Cumulative-Deficiency" are to be reported
     for fiscal year-end periods only and are not required in interim reports.