<ARTICLE> 7 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <DEBT-HELD-FOR-SALE> 19,990 <DEBT-CARRYING-VALUE> 31,379 <DEBT-MARKET-VALUE> 32,155 <EQUITIES> 34,222 <MORTGAGE> 311 <REAL-ESTATE> 1,629 <TOTAL-INVEST> 88,191 <CASH> 1,989 <RECOVER-REINSURE> 8,543 <DEFERRED-ACQUISITION> 4,158 <TOTAL-ASSETS> 106,979 <POLICY-LOSSES> 18,736 <UNEARNED-PREMIUMS> 8,659 <POLICY-OTHER> 22,544 <POLICY-HOLDER-FUNDS> 1,684 <NOTES-PAYABLE> 750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,340 <OTHER-SE> 44,244 <TOTAL-LIABILITY-AND-EQUITY> 106,979 <PREMIUMS> 7,501 <INVESTMENT-INCOME> 1,165 <INVESTMENT-GAINS> 480 <OTHER-INCOME> 139 <BENEFITS> 5,881 <UNDERWRITING-AMORTIZATION> 1,671 <UNDERWRITING-OTHER> 1,687 <INCOME-PRETAX> 45 <INCOME-TAX> (275) <INCOME-CONTINUING> 320 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 320 <EPS-PRIMARY> .14 <EPS-DILUTED> .14 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0