<ARTICLE> 7 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Sep-30-2000 <DEBT-HELD-FOR-SALE> 13,822,549 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 505,569 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 15,946,494 <CASH> 2,563,146 <RECOVER-REINSURE> 16,089,575 <DEFERRED-ACQUISITION> (215,807) <TOTAL-ASSETS> 64,527,013 <POLICY-LOSSES> 14,839,403 <UNEARNED-PREMIUMS> 20,366,233 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 1,411,466 <NOTES-PAYABLE> 3,294,835 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 198,610 <OTHER-SE> 17,854,089 <TOTAL-LIABILITY-AND-EQUITY> 64,527,013 <PREMIUMS> 16,638,227 <INVESTMENT-INCOME> 1,250,248 <INVESTMENT-GAINS> (233,745) <OTHER-INCOME> 2,349,874 <BENEFITS> 15,911,658 <UNDERWRITING-AMORTIZATION> 2,885,391 <UNDERWRITING-OTHER> 11,444,018 <INCOME-PRETAX> (10,236,463) <INCOME-TAX> (3,888,400) <INCOME-CONTINUING> (6,348,063) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (6,348,063) <EPS-BASIC> (.85) <EPS-DILUTED> (.85) <RESERVE-OPEN> 12,299,879 <PROVISION-CURRENT> 15,097,234 <PROVISION-PRIOR> 802,868 <PAYMENTS-CURRENT> 9,236,504 <PAYMENTS-PRIOR> 9,913,881 <RESERVE-CLOSE> 9,049,598 <CUMULATIVE-DEFICIENCY> 802,868