WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 7
<LEGEND>
*Not disclosed on a quarterly basis.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<DEBT-HELD-FOR-SALE>                         2,500,451
<DEBT-CARRYING-VALUE>                        9,819,938
<DEBT-MARKET-VALUE>                                  0*
<EQUITIES>                                   3,136,953
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                              16,559,105
<CASH>                                       2,542,249
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                               0
<TOTAL-ASSETS>                              24,399,314
<POLICY-LOSSES>                              3,584,850
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                  41,599
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<COMMON>                                     1,253,212
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  18,023,760
<TOTAL-LIABILITY-AND-EQUITY>                24,399,314
<PREMIUMS>                                   3,104,025
<INVESTMENT-INCOME>                            283,980
<INVESTMENT-GAINS>                              17,991
<OTHER-INCOME>                                  56,814
<BENEFITS>                                     250,091
<UNDERWRITING-AMORTIZATION>                          0
<UNDERWRITING-OTHER>                         2,524,555
<INCOME-PRETAX>                                688,164
<INCOME-TAX>                                    80,990
<INCOME-CONTINUING>                            607,174
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   607,174
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0