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<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
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<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