<ARTICLE> 7 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <DEBT-HELD-FOR-SALE> 23,232 <DEBT-CARRYING-VALUE> 16,882 <DEBT-MARKET-VALUE> 17,025 <EQUITIES> 7,670 <MORTGAGE> 122 <REAL-ESTATE> 0 <TOTAL-INVEST> 49,088 <CASH> 293 <RECOVER-REINSURE> 3,799 <DEFERRED-ACQUISITION> 3,895 <TOTAL-ASSETS> 83,302 <POLICY-LOSSES> 14,930 <UNEARNED-PREMIUMS> 21,985 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 966 <NOTES-PAYABLE> 2,321 <COMMON> 36 <PREFERRED-MANDATORY> 0 <PREFERRED> 1 <OTHER-SE> 41,555 <TOTAL-LIABILITY-AND-EQUITY> 83,302 <PREMIUMS> 8,238 <INVESTMENT-INCOME> 662 <INVESTMENT-GAINS> 66 <OTHER-INCOME> 168 <BENEFITS> 4,762 <UNDERWRITING-AMORTIZATION> 1,196 <UNDERWRITING-OTHER> 1,518 <INCOME-PRETAX> 1,580 <INCOME-TAX> 332 <INCOME-CONTINUING> 0 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,248 <EPS-PRIMARY> .30 <EPS-DILUTED> .30 <RESERVE-OPEN> 14,292 <PROVISION-CURRENT> 4,623 <PROVISION-PRIOR> 106 <PAYMENTS-CURRENT> 1,751 <PAYMENTS-PRIOR> 2,476 <RESERVE-CLOSE> 14,930 <CUMULATIVE-DEFICIENCY> 0