<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM SEC FORM S-4 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                           165,296
<DEBT-CARRYING-VALUE>                           25,023
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                       3,486
<MORTGAGE>                                       9,375
<REAL-ESTATE>                                    6,559
<TOTAL-INVEST>                                 226,572
<CASH>                                          16,833
<RECOVER-REINSURE>                             131,862
<DEFERRED-ACQUISITION>                           2,378
<TOTAL-ASSETS>                                 404,338
<POLICY-LOSSES>                                244,394
<UNEARNED-PREMIUMS>                             13,300
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                 80,591
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,604
<OTHER-SE>                                      62,449
<TOTAL-LIABILITY-AND-EQUITY>                   404,338
<PREMIUMS>                                      82,955
<INVESTMENT-INCOME>                             19,776
<INVESTMENT-GAINS>                               (381)
<OTHER-INCOME>                                       0
<BENEFITS>                                      61,461
<UNDERWRITING-AMORTIZATION>                      6,339
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                  7,095
<INCOME-TAX>                                     3,602
<INCOME-CONTINUING>                              3,493
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                    111
<CHANGES>                                            0
<NET-INCOME>                                     3,604
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                 174,469
<PROVISION-CURRENT>                             51,541
<PROVISION-PRIOR>                                9,920
<PAYMENTS-CURRENT>                              21,207
<PAYMENTS-PRIOR>                                80,416
<RESERVE-CLOSE>                                134,305
<CUMULATIVE-DEFICIENCY>                          9,920