<ARTICLE> 7
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<DEBT-HELD-FOR-SALE>                         1,141,504                       0
<DEBT-CARRYING-VALUE>                          522,884               2,247,145
<DEBT-MARKET-VALUE>                            521,940               2,246,853
<EQUITIES>                                   1,696,944               2,469,692
<MORTGAGE>                                           0                       0
<REAL-ESTATE>                                        0                       0
<TOTAL-INVEST>                               3,361,332               4,716,837
<CASH>                                       1,359,965               1,240,298
<RECOVER-REINSURE>                                   0                       0
<DEFERRED-ACQUISITION>                               0                       0
<TOTAL-ASSETS>                               5,072,319               7,448,211
<POLICY-LOSSES>                                      0                       0
<UNEARNED-PREMIUMS>                                  0               1,466,279
<POLICY-OTHER>                               2,173,234               3,005,414
<POLICY-HOLDER-FUNDS>                          384,863                       0
<NOTES-PAYABLE>                                      0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                   2,453,894               2,365,728
<TOTAL-LIABILITY-AND-EQUITY>                 5,072,319               7,448,211
<PREMIUMS>                                   2,077,351               5,659,925
<INVESTMENT-INCOME>                            297,076                 328,027
<INVESTMENT-GAINS>                            (37,286)               (159,557)
<OTHER-INCOME>                               (422,850)                       0
<BENEFITS>                                   1,305,774               3,411,027
<UNDERWRITING-AMORTIZATION>                          0                       0
<UNDERWRITING-OTHER>                           479,507                 469,082
<INCOME-PRETAX>                                129,010               1,948,286
<INCOME-TAX>                                    98,768                 643,660
<INCOME-CONTINUING>                             30,242               1,304,626
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    30,242               1,304,626
<EPS-PRIMARY>                                        0                       0
<EPS-DILUTED>                                        0                       0
<RESERVE-OPEN>                               3,005,414               3,012,742
<PROVISION-CURRENT>                            959,032               2,558,087
<PROVISION-PRIOR>                             (42,440)               (109,365)
<PAYMENTS-CURRENT>                             369,070               1,197,368
<PAYMENTS-PRIOR>                             1,379,702               1,258,682
<RESERVE-CLOSE>                              2,173,234               3,005,414
<CUMULATIVE-DEFICIENCY>                      2,317,410               2,258,357