
<TABLE> <S> <C>


<ARTICLE>       7
       
<S>                                                           <C>
<PERIOD-TYPE>                                                      3-MOS
<FISCAL-YEAR-END>                                            DEC-31-1995
<PERIOD-END>                                                 MAR-31-1995
<DEBT-HELD-FOR-SALE>                                          42,307,176
<DEBT-CARRYING-VALUE>                                         70,197,532
<DEBT-MARKET-VALUE>                                           70,243,409
<EQUITIES>                                                     4,142,028
<MORTGAGE>                                                             0
<REAL-ESTATE>                                                          0
<TOTAL-INVEST>                                               137,178,542
<CASH>                                                           659,581
<RECOVER-REINSURE>                                                     0
<DEFERRED-ACQUISITION>                                         5,496,171
<TOTAL-ASSETS>                                               194,561,881
<POLICY-LOSSES>                                               83,066,495
<UNEARNED-PREMIUMS>                                           45,183,304
<POLICY-OTHER>                                                         0
<POLICY-HOLDER-FUNDS>                                                  0
<NOTES-PAYABLE>                                                        0
<COMMON>                                                       4,180,274
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<OTHER-SE>                                                    59,721,611
<TOTAL-LIABILITY-AND-EQUITY>                                 194,561,881
<PREMIUMS>                                                    19,492,919
<INVESTMENT-INCOME>                                            2,086,992
<INVESTMENT-GAINS>                                                24,106
<OTHER-INCOME>                                                   425,751
<BENEFITS>                                                    12,074,738
<UNDERWRITING-AMORTIZATION>                                    3,158,000
<UNDERWRITING-OTHER>                                           3,170,586
<INCOME-PRETAX>                                                3,013,718
<INCOME-TAX>                                                     835,536
<INCOME-CONTINUING>                                            2,178,182
<DISCONTINUED>                                                         0
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                   2,178,182
<EPS-PRIMARY>                                                        .52
<EPS-DILUTED>                                                        .52
<RESERVE-OPEN>                                                         0
<PROVISION-CURRENT>                                                    0
<PROVISION-PRIOR>                                                      0
<PAYMENTS-CURRENT>                                                     0
<PAYMENTS-PRIOR>                                                       0
<RESERVE-CLOSE>                                                        0
<CUMULATIVE-DEFICIENCY>                                                0
        

</TABLE>
