<ARTICLE> 7 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 0 <DEBT-CARRYING-VALUE> 5,636,785 <DEBT-MARKET-VALUE> 99,464,551 <EQUITIES> 0 <MORTGAGE> 1,910,608 <REAL-ESTATE> 679,436 <TOTAL-INVEST> 130,024,739 <CASH> 4,160,156 <RECOVER-REINSURE> 1,857,900 <DEFERRED-ACQUISITION> 36,624,448 <TOTAL-ASSETS> 205,486,247 <POLICY-LOSSES> 123,327,377 <UNEARNED-PREMIUMS> 0 <POLICY-OTHER> 8,353,411 <POLICY-HOLDER-FUNDS> 1,945,332 <NOTES-PAYABLE> 772,834 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 44,290,601 <OTHER-SE> 20,422,389 <TOTAL-LIABILITY-AND-EQUITY> 205,486,247 <PREMIUMS> 46,125,093 <INVESTMENT-INCOME> 7,026,909 <INVESTMENT-GAINS> (109,096) <OTHER-INCOME> 75,062 <BENEFITS> 33,391,861 <UNDERWRITING-AMORTIZATION> 9,190,873 <UNDERWRITING-OTHER> 6,795,870 <INCOME-PRETAX> 3,751,568 <INCOME-TAX> 1,001,356 <INCOME-CONTINUING> 2,750,212 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,750,212 <EPS-PRIMARY> .16 <EPS-DILUTED> .16 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0