<ARTICLE>                                           7

<MULTIPLIER>                                   1

                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<DEBT-HELD-FOR-SALE>                           103,562,307
<DEBT-CARRYING-VALUE>                          0
<DEBT-MARKET-VALUE>                            0
<EQUITIES>                                     66,000
<MORTGAGE>                                     0
<REAL-ESTATE>                                  0
<TOTAL-INVEST>                                 103,628,307
<CASH>                                         105,439
<RECOVER-REINSURE>                             3,984,174
<DEFERRED-ACQUISITION>                         4,338,217
<TOTAL-ASSETS>                                 121,978,756
<POLICY-LOSSES>                                41,592,489
<UNEARNED-PREMIUMS>                            16,583,143
<POLICY-OTHER>                                 2,571,190
<POLICY-HOLDER-FUNDS>                          0
<NOTES-PAYABLE>                                0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       3,098,389
<OTHER-SE>                                     51,742,408
<TOTAL-LIABILITY-AND-EQUITY>                   121,978,756
<PREMIUMS>                                     28,109,361
<INVESTMENT-INCOME>                            5,990,887
<INVESTMENT-GAINS>                             64,793
<OTHER-INCOME>                                 6,569,216
<BENEFITS>                                     17,027,190
<UNDERWRITING-AMORTIZATION>                    8,362,814
<UNDERWRITING-OTHER>                           8,219,364
<INCOME-PRETAX>                                7,124,889
<INCOME-TAX>                                   1,993,523
<INCOME-CONTINUING>                            5,131,366
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,131,366
<EPS-BASIC>                                    0.82
<EPS-DILUTED>                                  0.81
<RESERVE-OPEN>                                 40,374,232
<PROVISION-CURRENT>                            18,268,710
<PROVISION-PRIOR>                              (1,241,520)
<PAYMENTS-CURRENT>                             4,380,090
<PAYMENTS-PRIOR>                               15,393,167
<RESERVE-CLOSE>                                37,628,165
<CUMULATIVE-DEFICIENCY>                        1,241,287