<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JUN-30-1998 <PERIOD-END> SEP-30-1998 <DEBT-HELD-FOR-SALE> 47,642 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 3,822 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 52,501 <CASH> 6,235 <RECOVER-REINSURE> 2,223 <DEFERRED-ACQUISITION> 230 <TOTAL-ASSETS> 85,651 <POLICY-LOSSES> 12,678 <UNEARNED-PREMIUMS> 4,439 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 61 <OTHER-SE> 57,936 <TOTAL-LIABILITY-AND-EQUITY> 85,651 <PREMIUMS> 1,800 <INVESTMENT-INCOME> 825 <INVESTMENT-GAINS> 61 <OTHER-INCOME> 4 <BENEFITS> 1,151 <UNDERWRITING-AMORTIZATION> (86) <UNDERWRITING-OTHER> 1,300 <INCOME-PRETAX> 1,529 <INCOME-TAX> (70) <INCOME-CONTINUING> 1,598 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,598 <EPS-PRIMARY> .26 <EPS-DILUTED> .26 <RESERVE-OPEN> 12,765 <PROVISION-CURRENT> 2,052 <PROVISION-PRIOR> (676) <PAYMENTS-CURRENT> 112 <PAYMENTS-PRIOR> 1,351 <RESERVE-CLOSE> 12,678 <CUMULATIVE-DEFICIENCY> 65