<ARTICLE> 7
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<DEBT-HELD-FOR-SALE>                           174,437
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                      16,692
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 191,129
<CASH>                                          17,047
<RECOVER-REINSURE>                              11,840
<DEFERRED-ACQUISITION>                          11,258
<TOTAL-ASSETS>                                 471,917
<POLICY-LOSSES>                                174,534
<UNEARNED-PREMIUMS>                             87,532
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                 38,359
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            87
<OTHER-SE>                                     114,910
<TOTAL-LIABILITY-AND-EQUITY>                   471,917
<PREMIUMS>                                      26,159
<INVESTMENT-INCOME>                              2,709
<INVESTMENT-GAINS>                                   0
<OTHER-INCOME>                                   9,048
<BENEFITS>                                      20,791
<UNDERWRITING-AMORTIZATION>                      1,670
<UNDERWRITING-OTHER>                            18,248
<INCOME-PRETAX>                                (2,793)
<INCOME-TAX>                                   (1,355)
<INCOME-CONTINUING>                            (1,438)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                      (1,706)
<NET-INCOME>                                   (3,144)
<EPS-PRIMARY>                                   (0.36)
<EPS-DILUTED>                                   (0.36)
<RESERVE-OPEN>                                  84,254<F1>
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                 94,701<F1>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>(Before reinsurance recoverable.)
</FN>