<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <DEBT-HELD-FOR-SALE> 40,695 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 164 <MORTGAGE> 0 <REAL-ESTATE> 12,040 <TOTAL-INVEST> 59,648 <CASH> 427 <RECOVER-REINSURE> 10,657 <DEFERRED-ACQUISITION> 275 <TOTAL-ASSETS> 104,354 <POLICY-LOSSES> 20,413 <UNEARNED-PREMIUMS> 9,496 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 61 <OTHER-SE> 60,978 <TOTAL-LIABILITY-AND-EQUITY> 104,354 <PREMIUMS> 13,673 <INVESTMENT-INCOME> 2,878 <INVESTMENT-GAINS> 174 <OTHER-INCOME> 921 <BENEFITS> 6,896 <UNDERWRITING-AMORTIZATION> 1,819 <UNDERWRITING-OTHER> 7,370 <INCOME-PRETAX> 6,003 <INCOME-TAX> 83 <INCOME-CONTINUING> 5,920 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,920 <EPS-BASIC> .99 <EPS-DILUTED> .98 <RESERVE-OPEN> 12,860 <PROVISION-CURRENT> 7,449 <PROVISION-PRIOR> (553) <PAYMENTS-CURRENT> 1,707 <PAYMENTS-PRIOR> 3,701 <RESERVE-CLOSE> 14,348 <CUMULATIVE-DEFICIENCY> (553)