<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF MICHIGAN EDUCATIONAL
EMPLOYEES MUTUAL INSURANCE COMPANY AND SUBSIDIARY AS OF JUNE 30, 1999 AND FOR
THE SIX MONTHS THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<DEBT-HELD-FOR-SALE>                       121,926,696
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             123,835,511
<CASH>                                       5,698,453
<RECOVER-REINSURE>                           6,669,528
<DEFERRED-ACQUISITION>                         335,934
<TOTAL-ASSETS>                             243,520,937
<POLICY-LOSSES>                             94,633,751
<UNEARNED-PREMIUMS>                         33,172,891
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                             37,717,331
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  53,472,069
<TOTAL-LIABILITY-AND-EQUITY>               243,520,937
<PREMIUMS>                                  33,769,688
<INVESTMENT-INCOME>                          3,519,146
<INVESTMENT-GAINS>                             (2,558)
<OTHER-INCOME>                                 773,763
<BENEFITS>                                  24,062,152
<UNDERWRITING-AMORTIZATION>                          0
<UNDERWRITING-OTHER>                         7,036,457
<INCOME-PRETAX>                              4,586,302
<INCOME-TAX>                                 1,537,278
<INCOME-CONTINUING>                          3,049,024
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                127,286
<CHANGES>                                            0
<NET-INCOME>                                 3,176,310
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0