<ARTICLE> 7 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <DEBT-HELD-FOR-SALE> 111,989,488 <DEBT-CARRYING-VALUE> 137,241,256 <DEBT-MARKET-VALUE> 136,422,229 <EQUITIES> 16,755,091 <MORTGAGE> 0 <REAL-ESTATE> 2,423,996 <TOTAL-INVEST> 277,678,999 <CASH> 3,657,898 <RECOVER-REINSURE> 0 <DEFERRED-ACQUISITION> 12,989,737 <TOTAL-ASSETS> 433,423,188 <POLICY-LOSSES> 159,056,494 <UNEARNED-PREMIUMS> 114,809,252 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 40,000,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,925,425 <OTHER-SE> 102,130,625 <TOTAL-LIABILITY-AND-EQUITY> 433,423,188 <PREMIUMS> 110,258,288 <INVESTMENT-INCOME> 11,710,056 <INVESTMENT-GAINS> 442,927 <OTHER-INCOME> 1,766,366 <BENEFITS> 76,630,421 <UNDERWRITING-AMORTIZATION> 18,766,000 <UNDERWRITING-OTHER> 16,117,258 <INCOME-PRETAX> 8,458,996 <INCOME-TAX> 2,136,317 <INCOME-CONTINUING> 6,322,679 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,322,679 <EPS-BASIC> .73 <EPS-DILUTED> .73 <RESERVE-OPEN> 97,494 <PROVISION-CURRENT> 78,038 <PROVISION-PRIOR> (1,408) <PAYMENTS-CURRENT> 50,147 <PAYMENTS-PRIOR> 22,579 <RESERVE-CLOSE> 101,398 <CUMULATIVE-DEFICIENCY> (1,408)