<ARTICLE>                                           7
<MULTIPLIER>                                        1

       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   JUN-30-1997
<DEBT-HELD-FOR-SALE>                           86,339,757
<DEBT-CARRYING-VALUE>                          0
<DEBT-MARKET-VALUE>                            0
<EQUITIES>                                     921,950
<MORTGAGE>                                     0
<REAL-ESTATE>                                  0
<TOTAL-INVEST>                                 87,261,707
<CASH>                                         493,477
<RECOVER-REINSURE>                             585,148
<DEFERRED-ACQUISITION>                         5,092,867
<TOTAL-ASSETS>                                 108,788,873
<POLICY-LOSSES>                                40,816,390
<UNEARNED-PREMIUMS>                            22,495,105
<POLICY-OTHER>                                 2,091,750
<POLICY-HOLDER-FUNDS>                          0
<NOTES-PAYABLE>                                500,001
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       2,836,781
<OTHER-SE>                                     37,484,773
<TOTAL-LIABILITY-AND-EQUITY>                   108,788,873
<PREMIUMS>                                     18,232,825
<INVESTMENT-INCOME>                            2,414,861
<INVESTMENT-GAINS>                             919
<OTHER-INCOME>                                 3,495,898
<BENEFITS>                                     9,896,411
<UNDERWRITING-AMORTIZATION>                    5,239,049
<UNDERWRITING-OTHER>                           3,782,973
<INCOME-PRETAX>                                5,226,070
<INCOME-TAX>                                   1,576,332
<INCOME-CONTINUING>                            3,649,738
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   3,649,738
<EPS-PRIMARY>                                  0.58
<EPS-DILUTED>                                  0.58
<RESERVE-OPEN>                                 0
<PROVISION-CURRENT>                            0
<PROVISION-PRIOR>                              0
<PAYMENTS-CURRENT>                             0
<PAYMENTS-PRIOR>                               0
<RESERVE-CLOSE>                                0
<CUMULATIVE-DEFICIENCY>                        0