<ARTICLE> 7 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL STATEMENTS OF FOREMOST CORPORATION OF AMERICA FOR THE PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <EXCHANGE-RATE> 1 <DEBT-HELD-FOR-SALE> 384,316 <DEBT-CARRYING-VALUE> 501 <DEBT-MARKET-VALUE> 520 <EQUITIES> 62,168 <MORTGAGE> 4,083 <REAL-ESTATE> 13,687 <TOTAL-INVEST> 498,421 <CASH> 1,469 <RECOVER-REINSURE> 24,133 <DEFERRED-ACQUISITION> 77,215 <TOTAL-ASSETS> 765,934 <POLICY-LOSSES> 82,253 <UNEARNED-PREMIUMS> 267,132 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 85,251 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 26,615 <OTHER-SE> 241,869 <TOTAL-LIABILITY-AND-EQUITY> 765,934 <PREMIUMS> 221,642 <INVESTMENT-INCOME> 12,582 <INVESTMENT-GAINS> 3,818 <OTHER-INCOME> 1,822 <BENEFITS> 122,256 <UNDERWRITING-AMORTIZATION> 67,240 <UNDERWRITING-OTHER> 11,829 <INCOME-PRETAX> 38,539 <INCOME-TAX> (10,998) <INCOME-CONTINUING> 27,541 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 27,541 <EPS-BASIC> 1.03 <EPS-DILUTED> 1.01 <RESERVE-OPEN> 84,128 <PROVISION-CURRENT> 123,059 <PROVISION-PRIOR> (803) <PAYMENTS-CURRENT> 89,994 <PAYMENTS-PRIOR> 33,648 <RESERVE-CLOSE> 82,253 <CUMULATIVE-DEFICIENCY> 0