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           6-MOS            9-MOS
<FISCAL-YEAR-END>              DEC-31-1995     DEC-31-1995      DEC-31-1995
<PERIOD-START>                 JAN-01-1995     JAN-01-1995      JAN-01-1995
<PERIOD-END>                   MAR-31-1995     JUN-30-1995      SEP-30-1995
<DEBT-HELD-FOR-SALE>             2,500,451       2,557,644        2,456,285
<DEBT-CARRYING-VALUE>           10,557,522      10,775,433       11,642,510
<DEBT-MARKET-VALUE>                     *0              *0               *0
<EQUITIES>                       3,136,953       3,289,676        3,817,101
<MORTGAGE>                               0               0                0
<REAL-ESTATE>                            0               0                0
<TOTAL-INVEST>                  16,559,105      16,946,932       18,275,075
<CASH>                           2,542,249       2,742,702        2,602,658
<RECOVER-REINSURE>                       0               0                0
<DEFERRED-ACQUISITION>                   0               0                0
<TOTAL-ASSETS>                  24,399,314      25,484,494       26,914,184
<POLICY-LOSSES>                  3,584,850       3,694,850        3,794,850
<UNEARNED-PREMIUMS>                      0               0                0
<POLICY-OTHER>                      41,599          41,602           45,070
<POLICY-HOLDER-FUNDS>                    0               0                0
<NOTES-PAYABLE>                          0               0                0
<COMMON>                         1,253,212       1,252,552        1,149,411
<PREFERRED-MANDATORY>                    0               0                0
<PREFERRED>                              0               0                0
<OTHER-SE>                      18,023,760      18,955,802       20,003,928
<TOTAL-LIABILITY-AND-EQUITY>    24,399,314      25,484,494       26,914,184
<PREMIUMS>                       3,104,025       6,865,297       11,286,791
<INVESTMENT-INCOME>                283,980         581,169          879,599
<INVESTMENT-GAINS>                  17,991          47,556           42,223
<OTHER-INCOME>                      56,814         132,736          178,236
<BENEFITS>                         250,091         586,573        1,095,110
<UNDERWRITING-AMORTIZATION>              0               0                0
<UNDERWRITING-OTHER>             2,524,555       5,313,709        8,277,265
<INCOME-PRETAX>                    688,164       1,726,476        3,014,474
<INCOME-TAX>                        80,990         362,896          737,163
<INCOME-CONTINUING>                607,174       1,363,580        2,277,311
<DISCONTINUED>                           0               0                0
<EXTRAORDINARY>                          0               0                0
<CHANGES>                                0               0                0
<NET-INCOME>                       607,174       1,363,580        2,277,311
<EPS-PRIMARY>                          .22             .49              .81
<EPS-DILUTED>                          .22             .49              .81
<RESERVE-OPEN>                           0               0                0
<PROVISION-CURRENT>                      0               0                0
<PROVISION-PRIOR>                        0               0                0
<PAYMENTS-CURRENT>                       0               0                0
<PAYMENTS-PRIOR>                         0               0                0
<RESERVE-CLOSE>                          0               0                0
<CUMULATIVE-DEFICIENCY>                  0               0                0