<ARTICLE> 7 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <DEBT-HELD-FOR-SALE> 103,348,593 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 52,500 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 100,401,093 <CASH> 265,247 <RECOVER-REINSURE> 5,032,762 <DEFERRED-ACQUISITION> 4,488,023 <TOTAL-ASSETS> 119,905,343 <POLICY-LOSSES> 39,666,236 <UNEARNED-PREMIUMS> 16,921,362 <POLICY-OTHER> 2,520,493 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,588,462 <OTHER-SE> 51,854,072 <TOTAL-LIABILITY-AND-EQUITY> 119,905,343 <PREMIUMS> 13,256,333 <INVESTMENT-INCOME> 3,038,714 <INVESTMENT-GAINS> 0 <OTHER-INCOME> 3,314,359 <BENEFITS> 9,690,427 <UNDERWRITING-AMORTIZATION> 4,106,567 <UNDERWRITING-OTHER> 4,175,627 <INCOME-PRETAX> 1,636,785 <INCOME-TAX> 389,704 <INCOME-CONTINUING> 1,247,081 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,247,081 <EPS-BASIC> 0.20 <EPS-DILUTED> 0.20 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0