<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 198,088 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 15,737 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 213,825 <CASH> 28,887 <RECOVER-REINSURE> 153,004 <DEFERRED-ACQUISITION> 15,428 <TOTAL-ASSETS> 631,675 <POLICY-LOSSES> 288,938 <UNEARNED-PREMIUMS> 114,407 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 51,786 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 85 <OTHER-SE> 102,579 <TOTAL-LIABILITY-AND-EQUITY> 631,675 <PREMIUMS> 118,874 <INVESTMENT-INCOME> 10,028 <INVESTMENT-GAINS> (205) <OTHER-INCOME> 30,589 <BENEFITS> 84,791 <UNDERWRITING-AMORTIZATION> (12,981) <UNDERWRITING-OTHER> 85,500 <INCOME-PRETAX> 1,976 <INCOME-TAX> 249 <INCOME-CONTINUING> 1,727 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,727 <EPS-BASIC> 0.20 <EPS-DILUTED> 0.20 <RESERVE-OPEN> 127,500 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 155,142 <CUMULATIVE-DEFICIENCY> 0