<ARTICLE> 7 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <DEBT-HELD-FOR-SALE> 22,675,530 <DEBT-CARRYING-VALUE> 41,943,663 <DEBT-MARKET-VALUE> 41,726,466 <EQUITIES> 5,677,291 <MORTGAGE> 17,865,330 <REAL-ESTATE> 8,262,056 <TOTAL-INVEST> 108,335,346 <CASH> 4,824,676 <RECOVER-REINSURE> 459,877 <DEFERRED-ACQUISITION> 19,457,411 <TOTAL-ASSETS> 205,807,731 <POLICY-LOSSES> 50,147,314 <UNEARNED-PREMIUMS> 1,481,659 <POLICY-OTHER> 2,007,009 <POLICY-HOLDER-FUNDS> 87,030,585 <NOTES-PAYABLE> 16,155,597 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,838,534 <OTHER-SE> 10,015,940 <TOTAL-LIABILITY-AND-EQUITY> 205,807,731 <PREMIUMS> 6,599,889 <INVESTMENT-INCOME> 5,894,207 <INVESTMENT-GAINS> 31,567 <OTHER-INCOME> 66,689 <BENEFITS> 6,056,966 <UNDERWRITING-AMORTIZATION> 2,317,592 <UNDERWRITING-OTHER> 0 <INCOME-PRETAX> 447,456 <INCOME-TAX> 110,316 <INCOME-CONTINUING> 306,480 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 306,480 <EPS-BASIC> 0.07 <EPS-DILUTED> 0.07 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0