<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>9
<FILENAME>dgi-ex21_53044.txt
<DESCRIPTION>EXHIBIT 21 -- SUBSIDIARIES OF REGISTRANT
<TEXT>

                                                                      EXHIBIT 21


                           SUBSIDIARIES OF REGISTRANT


         Registrant owns 100% of the outstanding stock of the following
insurance companies:

Name                                                       State of Formation
----                                                       ------------------

Atlantic States Insurance Company                               Pennsylvania

Southern Insurance Company of Virginia                          Virginia

Pioneer Insurance Company                                       Ohio

Southern Heritage Insurance Company                             Georgia


</TEXT>
</DOCUMENT>