<ARTICLE> 7
       
                                                        
<PERIOD-TYPE>                   YEAR         YEAR        6-MOS        6-MOS
<FISCAL-YEAR-END>           DEC-31-1996   DEC-31-1995  DEC-31-1997  DEC-31-1996
<PERIOD-END>                DEC-31-1996   DEC-31-1995  JUN-30-1997  JUN-30-1996
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<DEBT-MARKET-VALUE>             521,940     2,246,853      586,816      195,053
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<POLICY-OTHER>                        0             0            0            0
<POLICY-HOLDER-FUNDS>           384,863             0      324,672            0
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<PREMIUMS>                    1,987,491     5,323,952            0    2,037,474
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<INVESTMENT-GAINS>             (37,286)     (159,557)            0          983
<OTHER-INCOME>                (422,850)             0       (9,115)    (286,085)
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