<ARTICLE>              7
<LEGEND>
This schedule contains summary information extracted from Form 10-K for
the twelve months ended December 31, 2000, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER>      1

                                           
<PERIOD-TYPE>                                 12-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    DEC-31-2000
<DEBT-HELD-FOR-SALE>                          203,924,652
<DEBT-CARRYING-VALUE>                                   0
<DEBT-MARKET-VALUE>                                     0
<EQUITIES>                                     11,088,525
<MORTGAGE>                                              0
<REAL-ESTATE>                                           0
<TOTAL-INVEST>                                232,025,257
<CASH>                                          1,512,578
<RECOVER-REINSURE>                                  5,587
<DEFERRED-ACQUISITION>                         22,815,422
<TOTAL-ASSETS>                                328,376,603
<POLICY-LOSSES>                                14,986,988
<UNEARNED-PREMIUMS>                             6,933,259
<POLICY-OTHER>                                          0
<POLICY-HOLDER-FUNDS>                                   0
<NOTES-PAYABLE>                                34,467,285
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          133,517
<OTHER-SE>                                    199,697,967
<TOTAL-LIABILITY-AND-EQUITY>                  328,376,603
<PREMIUMS>                                     71,843,090
<INVESTMENT-INCOME>                            12,645,321
<INVESTMENT-GAINS>                                285,849
<OTHER-INCOME>                                     36,785
<BENEFITS>                                      7,587,237
<UNDERWRITING-AMORTIZATION>                     8,210,776
<UNDERWRITING-OTHER>                           16,008,210
<INCOME-PRETAX>                                50,234,515
<INCOME-TAX>                                   15,236,540
<INCOME-CONTINUING>                            34,997,975
<DISCONTINUED>                                          0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                   34,997,975
<EPS-BASIC>                                          2.63
<EPS-DILUTED>                                        2.55
<RESERVE-OPEN>                                 14,723,192
<PROVISION-CURRENT>                            11,229,124
<PROVISION-PRIOR>                              (3,641,887)
<PAYMENTS-CURRENT>                                573,874
<PAYMENTS-PRIOR>                                6,760,375
<RESERVE-CLOSE>                                14,976,180
<CUMULATIVE-DEFICIENCY>                                 0