<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> 534,673,726 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 0 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 534,673,726 <CASH> 105,103,195 <RECOVER-REINSURE> 0 <DEFERRED-ACQUISITION> 19,672,742 <TOTAL-ASSETS> 1,135,392,958 <POLICY-LOSSES> 480,064,958 <UNEARNED-PREMIUMS> 0 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 156,719 <OTHER-SE> 226,222,173 <TOTAL-LIABILITY-AND-EQUITY> 1,135,392,958 <PREMIUMS> 9,891,259 <INVESTMENT-INCOME> 33,061,922 <INVESTMENT-GAINS> (259,705) <OTHER-INCOME> 1,547,465 <BENEFITS> 8,165,062 <UNDERWRITING-AMORTIZATION> 3,917,792 <UNDERWRITING-OTHER> 3,572,499 <INCOME-PRETAX> 8,481,306 <INCOME-TAX> (332,000) <INCOME-CONTINUING> 8,938,051 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,938,051 <EPS-BASIC> 0.56 <EPS-DILUTED> 0.56 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0