<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 3/31/98 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<DEBT-HELD-FOR-SALE>                            57,433
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         838
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  60,311
<CASH>                                           4,059
<RECOVER-REINSURE>                               1,480
<DEFERRED-ACQUISITION>                             148
<TOTAL-ASSETS>                                  80,000
<POLICY-LOSSES>                                 12,390
<UNEARNED-PREMIUMS>                              3,214
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            60
<OTHER-SE>                                      53,581
<TOTAL-LIABILITY-AND-EQUITY>                    80,000
<PREMIUMS>                                       2,093
<INVESTMENT-INCOME>                                627
<INVESTMENT-GAINS>                                  37
<OTHER-INCOME>                                       7
<BENEFITS>                                       1,335
<UNDERWRITING-AMORTIZATION>                        213
<UNDERWRITING-OTHER>                               960
<INCOME-PRETAX>                                  1,078
<INCOME-TAX>                                        54
<INCOME-CONTINUING>                              1,024
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,024
<EPS-PRIMARY>                                      .23
<EPS-DILUTED>                                      .23
<RESERVE-OPEN>                                  11,572
<PROVISION-CURRENT>                              2,261
<PROVISION-PRIOR>                                (698)
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                   745
<RESERVE-CLOSE>                                 12,390
<CUMULATIVE-DEFICIENCY>                             47