<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from Chandler
Insurance Company, Ltd.'s September 30, 1996 Form 10-Q and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<DEBT-HELD-FOR-SALE>                           106,570
<DEBT-CARRYING-VALUE>                            1,677
<DEBT-MARKET-VALUE>                              1,753
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 111,199
<CASH>                                           9,210
<RECOVER-REINSURE>                               4,048
<DEFERRED-ACQUISITION>                           4,873
<TOTAL-ASSETS>                                 239,536
<POLICY-LOSSES>                                114,454
<UNEARNED-PREMIUMS>                             36,969
<POLICY-OTHER>                                   4,232
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                  4,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,540
<OTHER-SE>                                      59,596
<TOTAL-LIABILITY-AND-EQUITY>                   239,536
<PREMIUMS>                                      66,770
<INVESTMENT-INCOME>                              5,350
<INVESTMENT-GAINS>                                 119
<OTHER-INCOME>                                   2,792
<BENEFITS>                                      40,429
<UNDERWRITING-AMORTIZATION>                     24,086
<UNDERWRITING-OTHER>                             9,839
<INCOME-PRETAX>                                    677
<INCOME-TAX>                                     (790)
<INCOME-CONTINUING>                              1,467
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,467
<EPS-PRIMARY>                                      .21
<EPS-DILUTED>                                      .21
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0