WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. < <ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JUN-30-1999 <PERIOD-END> SEP-30-1999 <DEBT-HELD-FOR-SALE> 39,313 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 1,601 <MORTGAGE> 0 <REAL-ESTATE> 11,122 <TOTAL-INVEST> 60,624 <CASH> 2,316 <RECOVER-REINSURE> 6,070 <DEFERRED-ACQUISITION> 230 <TOTAL-ASSETS> 96,953 <POLICY-LOSSES> 18,311 <UNEARNED-PREMIUMS> 6,569 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 61 <OTHER-SE> 61,201 <TOTAL-LIABILITY-AND-EQUITY> 96,953 <PREMIUMS> 3,526 <INVESTMENT-INCOME> 746 <INVESTMENT-GAINS> 120 <OTHER-INCOME> 245 <BENEFITS> 2,148 <UNDERWRITING-AMORTIZATION> 605 <UNDERWRITING-OTHER> 1,745 <INCOME-PRETAX> 1,547 <INCOME-TAX> 188 <INCOME-CONTINUING> 1,359 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,359 <EPS-BASIC> .23 <EPS-DILUTED> .23 <RESERVE-OPEN> 15,145 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 15,173 <CUMULATIVE-DEFICIENCY> 0