<ARTICLE> 7 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 30,403,322 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 14,425,464 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 44,828,786 <CASH> 1,466,870 <RECOVER-REINSURE> 0 <DEFERRED-ACQUISITION> 788,439 <TOTAL-ASSETS> 49,329,026 <POLICY-LOSSES> 28,131,665 <UNEARNED-PREMIUMS> 2,767,505 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 329,060 <OTHER-SE> 6,689,753 <TOTAL-LIABILITY-AND-EQUITY> 49,329,026 <PREMIUMS> 4,518,957 <INVESTMENT-INCOME> 1,742,837 <INVESTMENT-GAINS> 363,170 <OTHER-INCOME> 0 <BENEFITS> 4,803,860 <UNDERWRITING-AMORTIZATION> 1,370,597 <UNDERWRITING-OTHER> 959,660 <INCOME-PRETAX> (704,729) <INCOME-TAX> (4,404) <INCOME-CONTINUING> (700,325) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (700,325) <EPS-BASIC> (2.13) <EPS-DILUTED> 0 <RESERVE-OPEN> 24,362,806 <PROVISION-CURRENT> 5,289,746 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 2,195,110 <RESERVE-CLOSE> 27,457,442 <CUMULATIVE-DEFICIENCY> 0