<ARTICLE> 7 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 27,215 <DEBT-CARRYING-VALUE> 15,217 <DEBT-MARKET-VALUE> 15,712 <EQUITIES> 8,720 <MORTGAGE> 116 <REAL-ESTATE> 0 <TOTAL-INVEST> 58,210 <CASH> 99 <RECOVER-REINSURE> 3,910 <DEFERRED-ACQUISITION> 4,831 <TOTAL-ASSETS> 101,627 <POLICY-LOSSES> 20,153 <UNEARNED-PREMIUMS> 27,555 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 1,468 <NOTES-PAYABLE> 3,731 <COMMON> 41 <PREFERRED-MANDATORY> 0 <PREFERRED> 1 <OTHER-SE> 45,972 <TOTAL-LIABILITY-AND-EQUITY> 101,627 <PREMIUMS> 36,191 <INVESTMENT-INCOME> 2,721 <INVESTMENT-GAINS> 316 <OTHER-INCOME> 699 <BENEFITS> 20,377 <UNDERWRITING-AMORTIZATION> 5,447 <UNDERWRITING-OTHER> 6,930 <INCOME-PRETAX> 5,483 <INCOME-TAX> 1,400 <INCOME-CONTINUING> 0 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,483 <EPS-PRIMARY> 1.19 <EPS-DILUTED> 1.13 <RESERVE-OPEN> 14,292 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 20,153 <CUMULATIVE-DEFICIENCY> 0