<ARTICLE> 7 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <DEBT-HELD-FOR-SALE> 15,934,985 <DEBT-CARRYING-VALUE> 5,281,910 <DEBT-MARKET-VALUE> 5,264,217 <EQUITIES> 5,551,145 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 31,800,863 <CASH> 7,217,809 <RECOVER-REINSURE> 2,012 <DEFERRED-ACQUISITION> 626,855 <TOTAL-ASSETS> 48,760,998 <POLICY-LOSSES> 5,553,477 <UNEARNED-PREMIUMS> 4,177,225 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 7,150,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,794,141 <OTHER-SE> 24,562,994 <TOTAL-LIABILITY-AND-EQUITY> 48,760,998 <PREMIUMS> 12,015,181 <INVESTMENT-INCOME> 843,289 <INVESTMENT-GAINS> (116,593) <OTHER-INCOME> 2,703,300 <BENEFITS> 7,420,659 <UNDERWRITING-AMORTIZATION> 5,032,661 <UNDERWRITING-OTHER> 179,994 <INCOME-PRETAX> 2,811,863 <INCOME-TAX> 844,932 <INCOME-CONTINUING> 1,966,931 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,966,931 <EPS-BASIC> .33 <EPS-DILUTED> .33 <RESERVE-OPEN> 5,273,000 <PROVISION-CURRENT> 10,435,000 <PROVISION-PRIOR> (3,014,000) <PAYMENTS-CURRENT> 5,549,000 <PAYMENTS-PRIOR> 1,592,000 <RESERVE-CLOSE> 5,553,000 <CUMULATIVE-DEFICIENCY> 0