<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
June 30, 2000 balance sheet and income statement and is qualified in its
entirety by reference.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<DEBT-HELD-FOR-SALE>                       274,421,775
<DEBT-CARRYING-VALUE>                      122,505,743
<DEBT-MARKET-VALUE>                        122,002,675
<EQUITIES>                                  33,455,990
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             443,189,332
<CASH>                                       1,054,879
<RECOVER-REINSURE>                           9,981,720
<DEFERRED-ACQUISITION>                      14,883,513
<TOTAL-ASSETS>                             502,347,713
<POLICY-LOSSES>                            269,686,883
<UNEARNED-PREMIUMS>                         70,418,517
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                          622,637
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,290,384
<OTHER-SE>                                 131,716,904
<TOTAL-LIABILITY-AND-EQUITY>               502,347,713
<PREMIUMS>                                 108,559,766
<INVESTMENT-INCOME>                         14,179,642
<INVESTMENT-GAINS>                             329,253
<OTHER-INCOME>                                 993,051
<BENEFITS>                                  88,873,179
<UNDERWRITING-AMORTIZATION>                 24,197,575
<UNDERWRITING-OTHER>                         7,993,748
<INCOME-PRETAX>                              1,709,712
<INCOME-TAX>                                 (103,306)
<INCOME-CONTINUING>                          1,813,018
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,813,018
<EPS-BASIC>                                        .16
<EPS-DILUTED>                                      .16
<RESERVE-OPEN>                             266,514,024
<PROVISION-CURRENT>                         92,027,092
<PROVISION-PRIOR>                          (3,153,914)
<PAYMENTS-CURRENT>                          29,659,991
<PAYMENTS-PRIOR>                            54,999,680
<RESERVE-CLOSE>                            269,686,883
<CUMULATIVE-DEFICIENCY>                    (3,153,914)