WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   09-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<DEBT-HELD-FOR-SALE>                            46,609
<DEBT-CARRYING-VALUE>                           14,455
<DEBT-MARKET-VALUE>                             15,234
<EQUITIES>                                       7,401
<MORTGAGE>                                          91
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  72,538
<CASH>                                             302
<RECOVER-REINSURE>                               1,731
<DEFERRED-ACQUISITION>                           3,879
<TOTAL-ASSETS>                                 128,156
<POLICY-LOSSES>                                 55,483
<UNEARNED-PREMIUMS>                             22,183
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                            1,933
<NOTES-PAYABLE>                                  5,592
<COMMON>                                            47
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<OTHER-SE>                                      40,201
<TOTAL-LIABILITY-AND-EQUITY>                   128,156
<PREMIUMS>                                      32,208
<INVESTMENT-INCOME>                              3,251
<INVESTMENT-GAINS>                                 748
<OTHER-INCOME>                                     371
<BENEFITS>                                      31,305
<UNDERWRITING-AMORTIZATION>                      5,678
<UNDERWRITING-OTHER>                             5,195
<INCOME-PRETAX>                                (5,924) 
<INCOME-TAX>                                   (2,015) 
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (3,909)
<EPS-PRIMARY>                                    (.93)
<EPS-DILUTED>                                    (.93)
<RESERVE-OPEN>                                  48,964
<PROVISION-CURRENT>                             25,423 
<PROVISION-PRIOR>                                5,883
<PAYMENTS-CURRENT>                              10,836
<PAYMENTS-PRIOR>                                13,920
<RESERVE-CLOSE>                                 55,483
<CUMULATIVE-DEFICIENCY>                              0