
<TABLE> <S> <C>


<ARTICLE>   7
       
<S>                           <C>
<PERIOD-TYPE>                YEAR
<FISCAL-YEAR-END>                                             DEC-31-1994
<PERIOD-END>                                                  DEC-31-1994
<DEBT-HELD-FOR-SALE>                                           41,370,321
<DEBT-CARRYING-VALUE>                                          65,451,109
<DEBT-MARKET-VALUE>                                            62,888,194
<EQUITIES>                                                      4,190,316
<MORTGAGE>                                                              0
<REAL-ESTATE>                                                           0
<TOTAL-INVEST>                                                135,652,255
<CASH>                                                          1,263,764
<RECOVER-REINSURE>                                                      0
<DEFERRED-ACQUISITION>                                          5,551,869
<TOTAL-ASSETS>                                                192,046,310
<POLICY-LOSSES>                                                79,962,961
<UNEARNED-PREMIUMS>                                            44,512,189
<POLICY-OTHER>                                                          0
<POLICY-HOLDER-FUNDS>                                                   0
<NOTES-PAYABLE>                                                         0
<COMMON>                                                        4,162,770
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
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<PREMIUMS>                                                     73,197,868
<INVESTMENT-INCOME>                                             7,349,453
<INVESTMENT-GAINS>                                                (74,114)
<OTHER-INCOME>                                                  1,268,372
<BENEFITS>                                                     49,596,591
<UNDERWRITING-AMORTIZATION>                                    12,055,000
<UNDERWRITING-OTHER>                                            9,878,430
<INCOME-PRETAX>                                                 8,150,982
<INCOME-TAX>                                                    2,063,031
<INCOME-CONTINUING>                                             6,087,951
<DISCONTINUED>                                                          0
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                    6,087,951
<EPS-PRIMARY>                                                        1.46
<EPS-DILUTED>                                                        1.46
<RESERVE-OPEN>                                                 52,298,000
<PROVISION-CURRENT>                                            51,671,000
<PROVISION-PRIOR>                                              (2,075,000)
<PAYMENTS-CURRENT>                                             27,280,000
<PAYMENTS-PRIOR>                                               15,947,000
<RESERVE-CLOSE>                                                58,667,000
<CUMULATIVE-DEFICIENCY>                                        (2,075,000)
        

</TABLE>
