<ARTICLE> 7
<MULTIPLIER> 1,000
       
                                                 

<PERIOD-TYPE>                                   3-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-START>                                  DEC-31-1998
<PERIOD-END>                                    MAR-31-1999
<DEBT-HELD-FOR-SALE>                                 43,878
<DEBT-CARRYING-VALUE>                                     0
<DEBT-MARKET-VALUE>                                       0
<EQUITIES>                                            3,383
<MORTGAGE>                                                0
<REAL-ESTATE>                                             0
<TOTAL-INVEST>                                       50,009
<CASH>                                                2,398
<RECOVER-REINSURE>                                    3,942
<DEFERRED-ACQUISITION>                                  125
<TOTAL-ASSETS>                                       92,083
<POLICY-LOSSES>                                      16,140
<UNEARNED-PREMIUMS>                                   5,039
<POLICY-OTHER>                                            0
<POLICY-HOLDER-FUNDS>                                     0
<NOTES-PAYABLE>                                           0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                 61
<OTHER-SE>                                           60,368
<TOTAL-LIABILITY-AND-EQUITY>                         92,083
<PREMIUMS>                                            2,455
<INVESTMENT-INCOME>                                     699
<INVESTMENT-GAINS>                                      (1)
<OTHER-INCOME>                                           79
<BENEFITS>                                            1,319
<UNDERWRITING-AMORTIZATION>                             323
<UNDERWRITING-OTHER>                                  1,451
<INCOME-PRETAX>                                       1,673
<INCOME-TAX>                                           (46)
<INCOME-CONTINUING>                                   1,719
<DISCONTINUED>                                            0
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          1,719
<EPS-PRIMARY>                                           .28
<EPS-DILUTED>                                           .28
<RESERVE-OPEN>                                       14,700
<PROVISION-CURRENT>                                       0
<PROVISION-PRIOR>                                         0
<PAYMENTS-CURRENT>                                        0
<PAYMENTS-PRIOR>                                          0
<RESERVE-CLOSE>                                      16,140
<CUMULATIVE-DEFICIENCY>                                   0