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<PERIOD-TYPE>                                                                                             3-MOS
<FISCAL-YEAR-END>                                                                                         DEC-31-1999
<PERIOD-START>                                                                                            MAR-31-1999
<PERIOD-END>                                                                                              JUN-30-1999
<DEBT-HELD-FOR-SALE>                                                                                           43,457
<DEBT-CARRYING-VALUE>                                                                                               0
<DEBT-MARKET-VALUE>                                                                                                 0
<EQUITIES>                                                                                                      4,514
<MORTGAGE>                                                                                                          0
<REAL-ESTATE>                                                                                                  10,235
<TOTAL-INVEST>                                                                                                 60,822
<CASH>                                                                                                            535
<RECOVER-REINSURE>                                                                                              4,205
<DEFERRED-ACQUISITION>                                                                                            112
<TOTAL-ASSETS>                                                                                                 92,982
<POLICY-LOSSES>                                                                                                17,592
<UNEARNED-PREMIUMS>                                                                                             5,132
<POLICY-OTHER>                                                                                                      0
<POLICY-HOLDER-FUNDS>                                                                                               0
<NOTES-PAYABLE>                                                                                                     0
<PREFERRED-MANDATORY>                                                                                               0
<PREFERRED>                                                                                                         0
<COMMON>                                                                                                           61
<OTHER-SE>                                                                                                     61,251
<TOTAL-LIABILITY-AND-EQUITY>                                                                                   92,982
<PREMIUMS>                                                                                                      3,600
<INVESTMENT-INCOME>                                                                                               714
<INVESTMENT-GAINS>                                                                                                 99
<OTHER-INCOME>                                                                                                    383
<BENEFITS>                                                                                                      2,100
<UNDERWRITING-AMORTIZATION>                                                                                       348
<UNDERWRITING-OTHER>                                                                                            1,837
<INCOME-PRETAX>                                                                                                 1,333
<INCOME-TAX>                                                                                                    (108)
<INCOME-CONTINUING>                                                                                             1,441
<DISCONTINUED>                                                                                                      0
<EXTRAORDINARY>                                                                                                     0
<CHANGES>                                                                                                           0
<NET-INCOME>                                                                                                    1,441
<EPS-BASIC>                                                                                                     .24
<EPS-DILUTED>                                                                                                     .24
<RESERVE-OPEN>                                                                                                 13,948
<PROVISION-CURRENT>                                                                                                 0
<PROVISION-PRIOR>                                                                                                   0
<PAYMENTS-CURRENT>                                                                                                  0
<PAYMENTS-PRIOR>                                                                                                    0
<RESERVE-CLOSE>                                                                                                15,145
<CUMULATIVE-DEFICIENCY>                                                                                             0