<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
9/30/94 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-3
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<DEBT-HELD-FOR-SALE>                        95,179,680
<DEBT-CARRYING-VALUE>                      233,021,915
<DEBT-MARKET-VALUE>                        232,358,489
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             328,201,595
<CASH>                                       1,411,682
<RECOVER-REINSURE>                          18,707,046
<DEFERRED-ACQUISITION>                       9,188,912
<TOTAL-ASSETS>                             388,500,078
<POLICY-LOSSES>                            205,022,814
<UNEARNED-PREMIUMS>                         51,885,824
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                        2,905,346
<NOTES-PAYABLE>                                      0
<COMMON>                                    10,525,939
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 104,087,065
<TOTAL-LIABILITY-AND-EQUITY>               388,500,078
<PREMIUMS>                                 121,445,455
<INVESTMENT-INCOME>                         15,240,992

<INVESTMENT-GAINS>                             448,959
<OTHER-INCOME>                                 334,707
<BENEFITS>                                  87,135,088
<UNDERWRITING-AMORTIZATION>                 23,253,841
<UNDERWRITING-OTHER>                        14,082,798
<INCOME-PRETAX>                             12,998,386
<INCOME-TAX>                                 3,589,281
<INCOME-CONTINUING>                          9,409,105
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 9,409,105
<EPS-PRIMARY>                                      .90
<EPS-DILUTED>                                      .90
<RESERVE-OPEN>                             197,121,852
<PROVISION-CURRENT>                         88,670,958
<PROVISION-PRIOR>                          (1,535,870)
<PAYMENTS-CURRENT>                          30,039,655
<PAYMENTS-PRIOR>                            49,756,142
<RESERVE-CLOSE>                            205,022,814
<CUMULATIVE-DEFICIENCY>                    (1,535,870)