<ARTICLE> 7 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <DEBT-HELD-FOR-SALE> 103,568,212 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 85,500 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 103,653,712 <CASH> 184,321 <RECOVER-REINSURE> 2,713,260 <DEFERRED-ACQUISITION> 4,493,256 <TOTAL-ASSETS> 120,578,499 <POLICY-LOSSES> 38,973,507 <UNEARNED-PREMIUMS> 17,346,798 <POLICY-OTHER> 2,450,626 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,098,389 <OTHER-SE> 51,868,205 <TOTAL-LIABILITY-AND-EQUITY> 120,578,499 <PREMIUMS> 20,774,812 <INVESTMENT-INCOME> 4,459,661 <INVESTMENT-GAINS> 64,793 <OTHER-INCOME> 4,936,826 <BENEFITS> 11,450,352 <UNDERWRITING-AMORTIZATION> 6,336,141 <UNDERWRITING-OTHER> 6,093,397 <INCOME-PRETAX> 6,356,202 <INCOME-TAX> 1,831,670 <INCOME-CONTINUING> 4,524,532 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,524,532 <EPS-BASIC> 0.72 <EPS-DILUTED> 0.71 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0