<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)