<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                           188,856
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                      15,656
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 204,512
<CASH>                                          25,551
<RECOVER-REINSURE>                             129,167
<DEFERRED-ACQUISITION>                          12,223
<TOTAL-ASSETS>                                 568,948
<POLICY-LOSSES>                                244,915
<UNEARNED-PREMIUMS>                             90,095
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                 58,649
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            85
<OTHER-SE>                                      99,762
<TOTAL-LIABILITY-AND-EQUITY>                   568,948
<PREMIUMS>                                      33,268
<INVESTMENT-INCOME>                              2,798
<INVESTMENT-GAINS>                                (11)
<OTHER-INCOME>                                  10,182
<BENEFITS>                                      23,302
<UNDERWRITING-AMORTIZATION>                    (3,116)
<UNDERWRITING-OTHER>                            26,190
<INCOME-PRETAX>                                  (139)
<INCOME-TAX>                                     (244)
<INCOME-CONTINUING>                                105
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       105
<EPS-BASIC>                                       0.01
<EPS-DILUTED>                                     0.01
<RESERVE-OPEN>                                 127,500<F1>
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                115,748<F1>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Before reinsurance recoverable.
</FN>