<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
6/30/94 BALANCE SHEET AND INCOME STATEMENT AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000356130
<NAME> EMC INSURANCE GROUP INC
       
                             
<PERIOD-TYPE>                   QTR-2
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               JUN-30-1994
<DEBT-HELD-FOR-SALE>                       110,000,664
<DEBT-CARRYING-VALUE>                      211,290,244
<DEBT-MARKET-VALUE>                        217,605,799
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             321,290,908
<CASH>                                         732,058
<RECOVER-REINSURE>                          18,222,680
<DEFERRED-ACQUISITION>                       8,284,639
<TOTAL-ASSETS>                             378,122,736
<POLICY-LOSSES>                            202,973,133
<UNEARNED-PREMIUMS>                         47,399,396
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                        3,260,844
<NOTES-PAYABLE>                                      0
<COMMON>                                    10,454,897
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 102,026,286
<TOTAL-LIABILITY-AND-EQUITY>               378,122,736
<PREMIUMS>                                  79,805,384
<INVESTMENT-INCOME>                          9,966,790
<INVESTMENT-GAINS>                             406,649
<OTHER-INCOME>                                 229,931
<BENEFITS>                                  58,079,881
<UNDERWRITING-AMORTIZATION>                 15,066,701
<UNDERWRITING-OTHER>                         7,692,166
<INCOME-PRETAX>                              8,167,651
<INCOME-TAX>                                 2,045,364
<INCOME-CONTINUING>                          6,122,287
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 6,122,287
<EPS-PRIMARY>                                      .59
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                             197,121,852
<PROVISION-CURRENT>                         56,413,915
<PROVISION-PRIOR>                            1,665,966
<PAYMENTS-CURRENT>                          15,048,488
<PAYMENTS-PRIOR>                            37,243,708
<RESERVE-CLOSE>                            202,973,133
<CUMULATIVE-DEFICIENCY>                      1,665,966