<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
6/30/99 balance sheet and income statement and is qualified in its
entirety by reference.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<DEBT-HELD-FOR-SALE>                       203,229,637
<DEBT-CARRYING-VALUE>                      161,912,897
<DEBT-MARKET-VALUE>                        165,025,794
<EQUITIES>                                  33,698,958
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             435,527,624
<CASH>                                       1,350,987
<RECOVER-REINSURE>                          17,615,141
<DEFERRED-ACQUISITION>                      13,101,875
<TOTAL-ASSETS>                             498,689,075
<POLICY-LOSSES>                            251,929,004
<UNEARNED-PREMIUMS>                         64,229,823
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                        1,719,162
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,254,768
<OTHER-SE>                                 141,525,759
<TOTAL-LIABILITY-AND-EQUITY>               498,689,075
<PREMIUMS>                                 100,699,553
<INVESTMENT-INCOME>                         12,361,436
<INVESTMENT-GAINS>                             246,167
<OTHER-INCOME>                               1,276,508
<BENEFITS>                                  82,763,272
<UNDERWRITING-AMORTIZATION>                 23,115,277
<UNDERWRITING-OTHER>                         8,845,202
<INCOME-PRETAX>                            (2,065,651)
<INCOME-TAX>                               (2,115,227)
<INCOME-CONTINUING>                             49,576
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    49,576
<EPS-BASIC>                                        .00
<EPS-DILUTED>                                      .00
<RESERVE-OPEN>                             245,610,323
<PROVISION-CURRENT>                         86,899,780
<PROVISION-PRIOR>                          (4,136,508)
<PAYMENTS-CURRENT>                          24,565,793
<PAYMENTS-PRIOR>                            49,995,242
<RESERVE-CLOSE>                            251,929,004
<CUMULATIVE-DEFICIENCY>                    (4,136,508)