<ARTICLE> 7
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                        30,926,771
<DEBT-CARRYING-VALUE>                       11,086,025
<DEBT-MARKET-VALUE>                         11,822,190
<EQUITIES>                                   5,369,321
<MORTGAGE>                                   2,194,641
<REAL-ESTATE>                                1,137,144
<TOTAL-INVEST>                              93,899,801
<CASH>                                          88,371
<RECOVER-REINSURE>                          16,878,155
<DEFERRED-ACQUISITION>                       5,767,573
<TOTAL-ASSETS>                             134,136,398
<POLICY-LOSSES>                             53,911,352
<UNEARNED-PREMIUMS>                          6,938,064
<POLICY-OTHER>                                       0
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<INVESTMENT-INCOME>                          3,810,622
<INVESTMENT-GAINS>                              71,834
<OTHER-INCOME>                                (91,208)
<BENEFITS>                                  15,747,869
<UNDERWRITING-AMORTIZATION>                  1,728,527
<UNDERWRITING-OTHER>                         2,812,905
<INCOME-PRETAX>                              3,465,883
<INCOME-TAX>                                   955,500
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<DISCONTINUED>                                       0
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<EPS-PRIMARY>                                     5.30
<EPS-DILUTED>                                     5.30
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<PROVISION-PRIOR>                            (275,600)
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<CUMULATIVE-DEFICIENCY>                        280,400