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

  

                                                       -27-
<ARTICLE>      7
<MULTIPLIER> 1,000





                                                      

<PERIOD-TYPE>                                            3-MOS
<FISCAL-YEAR-END>                                                    DEC-31-2000
<PERIOD-START>                                                       DEC-31-1999
<PERIOD-END>                                                         MAR-31-2000
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<CASH>                                                                   10,960
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<POLICY-LOSSES>                                                          21,536
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<INVESTMENT-GAINS>                                                         (126)

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<INCOME-PRETAX>                                                          (3,019)
<INCOME-TAX>                                                             (1,070)
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<DISCONTINUED>                                                                0
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                             (1,949)
<EPS-BASIC>                                                                (.33)
<EPS-DILUTED>                                                              (.33)
<RESERVE-OPEN>                                                           14,348
<PROVISION-CURRENT>                                                           0
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<CUMULATIVE-DEFICIENCY>                                                       0