<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <DEBT-HELD-FOR-SALE> 169,232 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 0 <MORTGAGE> 3,282 <REAL-ESTATE> 3,070 <TOTAL-INVEST> 195,780<F1> <CASH> 11,048 <RECOVER-REINSURE> 0 <DEFERRED-ACQUISITION> 0 <TOTAL-ASSETS> 322,477 <POLICY-LOSSES> 134,926 <UNEARNED-PREMIUMS> 0 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 7,581 <COMMON> 6,228 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 151,343 <TOTAL-LIABILITY-AND-EQUITY> 322,477 <PREMIUMS> 55,024 <INVESTMENT-INCOME> 3,318 <INVESTMENT-GAINS> 53 <OTHER-INCOME> (347) <BENEFITS> 6,627 <UNDERWRITING-AMORTIZATION> 0 <UNDERWRITING-OTHER> 0 <INCOME-PRETAX> (2,114) <INCOME-TAX> (687) <INCOME-CONTINUING> (1,427) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,427) <EPS-PRIMARY> (0.23) <EPS-DILUTED> (0.23) <RESERVE-OPEN> 134,316 <PROVISION-CURRENT> 7,577 <PROVISION-PRIOR> (950) <PAYMENTS-CURRENT> 2,058 <PAYMENTS-PRIOR> 3,959 <RESERVE-CLOSE> 134,926 <CUMULATIVE-DEFICIENCY> 0 <FN> <F1>Does not include short-term investments </FN>