<ARTICLE> 7 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-Mos <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 25,296 <DEBT-CARRYING-VALUE> 29,519 <DEBT-MARKET-VALUE> 29,326 <EQUITIES> 25,160 <MORTGAGE> 94 <REAL-ESTATE> 1,558 <TOTAL-INVEST> 82,321 <CASH> 2,017 <RECOVER-REINSURE> 3,688 <DEFERRED-ACQUISITION> 4,412 <TOTAL-ASSETS> 96,574 <POLICY-LOSSES> 18,973 <UNEARNED-PREMIUMS> 7,267 <POLICY-OTHER> 16,678 <POLICY-HOLDER-FUNDS> 1,534 <NOTES-PAYABLE> 2,465 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,340 <OTHER-SE> 40,887 <TOTAL-LIABILITY-AND-EQUITY> 96,574 <PREMIUMS> 17,232 <INVESTMENT-INCOME> 3,262 <INVESTMENT-GAINS> 1,912 <OTHER-INCOME> 405 <BENEFITS> 10,352 <UNDERWRITING-AMORTIZATION> 3,691 <UNDERWRITING-OTHER> 4,479 <INCOME-PRETAX> 4,289 <INCOME-TAX> 984 <INCOME-CONTINUING> 3,305 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,305 <EPS-BASIC> 1.61 <EPS-DILUTED> 1.61 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0