<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from Chandler
Insurance Company, Ltd.'s September 30, 1998 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-31-1998
<PERIOD-END>                               SEP-30-1998
<DEBT-HELD-FOR-SALE>                           110,913
<DEBT-CARRYING-VALUE>                            1,167
<DEBT-MARKET-VALUE>                              1,338
<EQUITIES>                                         191
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 112,271
<CASH>                                          12,884
<RECOVER-REINSURE>                               2,040
<DEFERRED-ACQUISITION>                           6,856
<TOTAL-ASSETS>                                 234,488
<POLICY-LOSSES>                                 82,488
<UNEARNED-PREMIUMS>                             52,552
<POLICY-OTHER>                                   4,632
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                  9,944
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,593
<OTHER-SE>                                      50,477
<TOTAL-LIABILITY-AND-EQUITY>                   234,488
<PREMIUMS>                                      51,473
<INVESTMENT-INCOME>                              5,631
<INVESTMENT-GAINS>                                 648
<OTHER-INCOME>                                   1,547
<BENEFITS>                                      35,982
<UNDERWRITING-AMORTIZATION>                     13,052
<UNDERWRITING-OTHER>                             7,121
<INCOME-PRETAX>                                  2,496
<INCOME-TAX>                                     (114)
<INCOME-CONTINUING>                              2,610
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,610
<EPS-PRIMARY>                                     0.41
<EPS-DILUTED>                                     0.41
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0