<ARTICLE>                                           7


<MULTIPLIER>                                    1,000

                             
<PERIOD-TYPE>                                   9-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-END>                              SEP-30-2000
<DEBT-HELD-FOR-SALE>                           68,907
<DEBT-CARRYING-VALUE>                               0
<DEBT-MARKET-VALUE>                                 0
<EQUITIES>                                     24,784
<MORTGAGE>                                        156
<REAL-ESTATE>                                   3,551
<TOTAL-INVEST>                                102,211
<CASH>                                         17,954
<RECOVER-REINSURE>                                  0
<DEFERRED-ACQUISITION>                          5,680
<TOTAL-ASSETS>                                140,370
<POLICY-LOSSES>                                83,823
<UNEARNED-PREMIUMS>                               175
<POLICY-OTHER>                                  1,480
<POLICY-HOLDER-FUNDS>                          16,581
<NOTES-PAYABLE>                                 8,125
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,761
<OTHER-SE>                                     25,897
<TOTAL-LIABILITY-AND-EQUITY>                  140,370
<PREMIUMS>                                     17,420
<INVESTMENT-INCOME>                             4,561
<INVESTMENT-GAINS>                              4,661
<OTHER-INCOME>                                    181
<BENEFITS>                                     14,196
<UNDERWRITING-AMORTIZATION>                       405
<UNDERWRITING-OTHER>                            8,380
<INCOME-PRETAX>                                 3,825
<INCOME-TAX>                                    1,272
<INCOME-CONTINUING>                             2,553
<DISCONTINUED>                                      0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,553
<EPS-BASIC>                                      1.45
<EPS-DILUTED>                                    1.45
<RESERVE-OPEN>                                      0
<PROVISION-CURRENT>                                 0
<PROVISION-PRIOR>                                   0
<PAYMENTS-CURRENT>                                  0
<PAYMENTS-PRIOR>                                    0
<RESERVE-CLOSE>                                     0
<CUMULATIVE-DEFICIENCY>                             0