<ARTICLE> 7 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 99,248,974 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 46,080 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 99,295,054 <CASH> 182,777 <RECOVER-REINSURE> 5,870,843 <DEFERRED-ACQUISITION> 4,509,685 <TOTAL-ASSETS> 119,145,845 <POLICY-LOSSES> 39,591,195 <UNEARNED-PREMIUMS> 17,171,688 <POLICY-OTHER> 2,374,874 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,817,591 <OTHER-SE> 49,121,361 <TOTAL-LIABILITY-AND-EQUITY> 119,145,845 <PREMIUMS> 19,345,702 <INVESTMENT-INCOME> 4,569,128 <INVESTMENT-GAINS> 2,508 <OTHER-INCOME> 4,945,519 <BENEFITS> 14,744,673 <UNDERWRITING-AMORTIZATION> 6,205,450 <UNDERWRITING-OTHER> 6,149,844 <INCOME-PRETAX> 1,762,890 <INCOME-TAX> 360,379 <INCOME-CONTINUING> 1,402,511 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,402,511 <EPS-BASIC> 0.23 <EPS-DILUTED> 0.23 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0