<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<DEBT-HELD-FOR-SALE>                        12,984,341
<DEBT-CARRYING-VALUE>                        4,237,913
<DEBT-MARKET-VALUE>                          4,309,796
<EQUITIES>                                   2,948,451
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                              26,906,537
<CASH>                                         820,222
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                               0
<TOTAL-ASSETS>                              31,105,111
<POLICY-LOSSES>                              1,458,016
<UNEARNED-PREMIUMS>                          1,605,878
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                              6,135,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       315,567
<OTHER-SE>                                  17,271,303
<TOTAL-LIABILITY-AND-EQUITY>                31,105,111
<PREMIUMS>                                   4,500,083
<INVESTMENT-INCOME>                            665,547
<INVESTMENT-GAINS>                              82,872
<OTHER-INCOME>                               1,148,497
<BENEFITS>                                   2,113,944
<UNDERWRITING-AMORTIZATION>                  2,324,305
<UNDERWRITING-OTHER>                           147,881
<INCOME-PRETAX>                              1,810,869
<INCOME-TAX>                                   472,731
<INCOME-CONTINUING>                          1,338,138
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,338,138
<EPS-PRIMARY>                                      .23
<EPS-DILUTED>                                      .23
<RESERVE-OPEN>                               1,345,000
<PROVISION-CURRENT>                            673,000
<PROVISION-PRIOR>                            1,441,000
<PAYMENTS-CURRENT>                           1,047,000
<PAYMENTS-PRIOR>                               960,000
<RESERVE-CLOSE>                              1,452,000
<CUMULATIVE-DEFICIENCY>                              0