<ARTICLE> 7 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <DEBT-HELD-FOR-SALE> 1,504,785 <DEBT-CARRYING-VALUE> 1,478,014 <DEBT-MARKET-VALUE> 1,504,785 <EQUITIES> 0 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 1,504,785 <CASH> 1,057,666 <RECOVER-REINSURE> 1,023,532 <DEFERRED-ACQUISITION> 0 <TOTAL-ASSETS> 4,664,612 <POLICY-LOSSES> 1,687,785 <UNEARNED-PREMIUMS> 622,210 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 8,102 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 503,384 <OTHER-SE> 1,392,506 <TOTAL-LIABILITY-AND-EQUITY> 4,664,612 <PREMIUMS> 305,537 <INVESTMENT-INCOME> 25,407 <INVESTMENT-GAINS> 0 <OTHER-INCOME> 301,859 <BENEFITS> 222,769 <UNDERWRITING-AMORTIZATION> 24,123 <UNDERWRITING-OTHER> 406,881 <INCOME-PRETAX> (20,970) <INCOME-TAX> (8,179) <INCOME-CONTINUING> (12,791) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (12,791) <EPS-PRIMARY> (.03) <EPS-DILUTED> (.03) <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0