<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<DEBT-HELD-FOR-SALE>                           119,429
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 121,979
<CASH>                                             752
<RECOVER-REINSURE>                               4,364
<DEFERRED-ACQUISITION>                           1,294
<TOTAL-ASSETS>                                 164,989
<POLICY-LOSSES>                                 93,028
<UNEARNED-PREMIUMS>                              6,069
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                              421
<NOTES-PAYABLE>                                 18,687
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            95
<OTHER-SE>                                      42,207
<TOTAL-LIABILITY-AND-EQUITY>                   164,989
<PREMIUMS>                                      18,885
<INVESTMENT-INCOME>                              1,813
<INVESTMENT-GAINS>                                  88
<OTHER-INCOME>                                       0
<BENEFITS>                                      14,675
<UNDERWRITING-AMORTIZATION>                      3,517
<UNDERWRITING-OTHER>                             2,811
<INCOME-PRETAX>                                  (798)
<INCOME-TAX>                                     (257)
<INCOME-CONTINUING>                              (541)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (541)
<EPS-PRIMARY>                                   (0.06)
<EPS-DILUTED>                                   (0.06)
<RESERVE-OPEN>                                  96,525
<PROVISION-CURRENT>                             13,761
<PROVISION-PRIOR>                                  914
<PAYMENTS-CURRENT>                               1,528
<PAYMENTS-PRIOR>                                16,732
<RESERVE-CLOSE>                                 93,028
<CUMULATIVE-DEFICIENCY>                            914