<ARTICLE> 7 <LEGEND> The schedule contains summary financial information extracted from the consolidated financial statements and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 68,630 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 70,370 <EQUITIES> 14,287 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 84,657 <CASH> 596 <RECOVER-REINSURE> 67,476 <DEFERRED-ACQUISITION> 3,102 <TOTAL-ASSETS> 155,831 <POLICY-LOSSES> 107,275 <UNEARNED-PREMIUMS> 25,916 <POLICY-OTHER> 12,624 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 4,000 <PREFERRED-MANDATORY> 111 <PREFERRED> 0 <COMMON> 5,905 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 155,831 <PREMIUMS> 37,533 <INVESTMENT-INCOME> 6,067 <INVESTMENT-GAINS> 960 <OTHER-INCOME> 1,552 <BENEFITS> 0 <UNDERWRITING-AMORTIZATION> 4,852 <UNDERWRITING-OTHER> 50,764 <INCOME-PRETAX> (9,504) <INCOME-TAX> 0 <INCOME-CONTINUING> 0 <DISCONTINUED> (6) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (9,510) <EPS-PRIMARY> 16.97 <EPS-DILUTED> 0 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0