<ARTICLE> 7 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <DEBT-HELD-FOR-SALE> 19272 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 4150 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 25775 <CASH> 373 <RECOVER-REINSURE> 111 <DEFERRED-ACQUISITION> 439 <TOTAL-ASSETS> 37343 <POLICY-LOSSES> 12201 <UNEARNED-PREMIUMS> 2002 <POLICY-OTHER> 506 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 304 <PREFERRED-MANDATORY> 1 <PREFERRED> 0 <COMMON> 51 <OTHER-SE> 6438 <TOTAL-LIABILITY-AND-EQUITY> 37343 <PREMIUMS> 1654 <INVESTMENT-INCOME> 302 <INVESTMENT-GAINS> (14) <OTHER-INCOME> 80 <BENEFITS> 1214 <UNDERWRITING-AMORTIZATION> 345 <UNDERWRITING-OTHER> 185 <INCOME-PRETAX> 278 <INCOME-TAX> 75 <INCOME-CONTINUING> 203 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 184 <EPS-PRIMARY> 2.31 <EPS-DILUTED> 0 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0