<ARTICLE> 7 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <DEBT-HELD-FOR-SALE> 105,250,512 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 118,500 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 105,369,012 <CASH> 99,006 <RECOVER-REINSURE> 2,494,670 <DEFERRED-ACQUISITION> 4,537,635 <TOTAL-ASSETS> 121,838,147 <POLICY-LOSSES> 39,409,888 <UNEARNED-PREMIUMS> 17,680,242 <POLICY-OTHER> 2,486,461 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,098,389 <OTHER-SE> 51,184,144 <TOTAL-LIABILITY-AND-EQUITY> 121,838,147 <PREMIUMS> 14,433,733 <INVESTMENT-INCOME> 2,956,990 <INVESTMENT-GAINS> 59,160 <OTHER-INCOME> 3,242,581 <BENEFITS> 7,478,151 <UNDERWRITING-AMORTIZATION> 4,273,913 <UNDERWRITING-OTHER> 4,057,394 <INCOME-PRETAX> 4,883,006 <INCOME-TAX> 1,416,116 <INCOME-CONTINUING> 3,466,890 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,466,890 <EPS-BASIC> 0.56 <EPS-DILUTED> 0.55 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0