<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