<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q FILING.

<CURRENCY> US DOLLAR

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                                 0
<DEBT-CARRYING-VALUE>                        5,588,873
<DEBT-MARKET-VALUE>                        150,072,041
<EQUITIES>                                     644,336
<MORTGAGE>                                   1,301,769
<REAL-ESTATE>                                  933,852
<TOTAL-INVEST>                             179,897,155
<CASH>                                       5,010,948
<RECOVER-REINSURE>                           1,848,364
<DEFERRED-ACQUISITION>                      36,422,616
<TOTAL-ASSETS>                             257,095,007
<POLICY-LOSSES>                            169,883,873
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                               2,348,392
<POLICY-HOLDER-FUNDS>                        9,620,956
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    68,094,889
<OTHER-SE>                                  11,405,242
<TOTAL-LIABILITY-AND-EQUITY>               257,095,007
<PREMIUMS>                                  25,510,875
<INVESTMENT-INCOME>                          6,053,136
<INVESTMENT-GAINS>                              51,536
<OTHER-INCOME>                                 431,143
<BENEFITS>                                  19,418,987
<UNDERWRITING-AMORTIZATION>                  5,289,554
<UNDERWRITING-OTHER>                         6,589,032
<INCOME-PRETAX>                                749,117
<INCOME-TAX>                                   100,675
<INCOME-CONTINUING>                            648,442
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   648,442
<EPS-BASIC>                                       0.03
<EPS-DILUTED>                                     0.03
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0