WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM 6/30/95 BALANCE SHEET AND INCOME STATEMENT AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL 
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   QTR-2
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<DEBT-HELD-FOR-SALE>                        60,950,613
<DEBT-CARRYING-VALUE>                      255,360,210
<DEBT-MARKET-VALUE>                        265,922,353
<EQUITIES>                                  14,326,594
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             345,195,750
<CASH>                                       1,304,192
<RECOVER-REINSURE>                          14,017,311
<DEFERRED-ACQUISITION>                       8,971,164
<TOTAL-ASSETS>                             397,382,494
<POLICY-LOSSES>                            204,138,482
<UNEARNED-PREMIUMS>                         48,533,376
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                        3,817,420
<NOTES-PAYABLE>                                      0
<COMMON>                                    10,755,540
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 116,125,359
<TOTAL-LIABILITY-AND-EQUITY>               397,382,494
<PREMIUMS>                                  77,839,816
<INVESTMENT-INCOME>                         11,464,079
<INVESTMENT-GAINS>                               5,473
<OTHER-INCOME>                                 181,699
<BENEFITS>                                  50,640,559
<UNDERWRITING-AMORTIZATION>                 15,262,592
<UNDERWRITING-OTHER>                         8,491,355
<INCOME-PRETAX>                             12,921,469
<INCOME-TAX>                                 3,801,589
<INCOME-CONTINUING>                          9,119,880
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 9,119,880
<EPS-PRIMARY>                                      .86
<EPS-DILUTED>                                      .86
<RESERVE-OPEN>                             203,181,615
<PROVISION-CURRENT>                         54,906,009
<PROVISION-PRIOR>                          (4,265,450) 
<PAYMENTS-CURRENT>                          13,837,422
<PAYMENTS-PRIOR>                            34,965,291
<RESERVE-CLOSE>                            204,138,482
<CUMULATIVE-DEFICIENCY>                    (4,265,450)