<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