<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> DEC-31-1999 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 42,987 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 704 <MORTGAGE> 0 <REAL-ESTATE> 19,267 <TOTAL-INVEST> 70,370 <CASH> 11,149 <RECOVER-REINSURE> 32,368 <DEFERRED-ACQUISITION> 1,652 <TOTAL-ASSETS> 165,631 <POLICY-LOSSES> 33,665 <UNEARNED-PREMIUMS> 34,058 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 4,021 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 63 <OTHER-SE> 57,944 <TOTAL-LIABILITY-AND-EQUITY> 165,631 <PREMIUMS> 21,009 <INVESTMENT-INCOME> 2,002 <INVESTMENT-GAINS> (215) <OTHER-INCOME> 768 <BENEFITS> 11,082 <UNDERWRITING-AMORTIZATION> 4,745 <UNDERWRITING-OTHER> 14,105 <INCOME-PRETAX> (3,024) <INCOME-TAX> (1,237) <INCOME-CONTINUING> (1,787) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,787) <EPS-BASIC> (.32) <EPS-DILUTED> (.32) <RESERVE-OPEN> 14,348 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 20,102 <CUMULATIVE-DEFICIENCY> 0