<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>