<ARTICLE> 7 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 37,022,064 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 791,385 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 39,275,897 <CASH> 1,291,173 <RECOVER-REINSURE> 5,214,073 <DEFERRED-ACQUISITION> 2,427,418 <TOTAL-ASSETS> 61,291,043 <POLICY-LOSSES> 24,012,866 <UNEARNED-PREMIUMS> 16,632,332 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 999,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 4,375,000 <COMMON> 16,616 <OTHER-SE> 12,575,294 <TOTAL-LIABILITY-AND-EQUITY> 61,291,043 <PREMIUMS> 30,635,266 <INVESTMENT-INCOME> 2,452,264 <INVESTMENT-GAINS> 76,880 <OTHER-INCOME> 564,594 <BENEFITS> 21,346,784 <UNDERWRITING-AMORTIZATION> 5,461,203 <UNDERWRITING-OTHER> 4,978,683 <INCOME-PRETAX> 1,942,334 <INCOME-TAX> 501,811 <INCOME-CONTINUING> 1,440,523 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,440,523 <EPS-PRIMARY> .64 <EPS-DILUTED> 0 <RESERVE-OPEN> 17,170,827 <PROVISION-CURRENT> 21,900,996 <PROVISION-PRIOR> (554,212) <PAYMENTS-CURRENT> 12,393,198 <PAYMENTS-PRIOR> 7,276,725 <RESERVE-CLOSE> 18,847,688 <CUMULATIVE-DEFICIENCY> (554,212)