
<TABLE> <S> <C>

<ARTICLE>   7
       
<S>                                              <C>
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                                     DEC-31-1996
<PERIOD-END>                                          JUN-30-1996
<DEBT-HELD-FOR-SALE>                                   48,839,998
<DEBT-CARRYING-VALUE>                                 102,401,484
<DEBT-MARKET-VALUE>                                   102,615,738
<EQUITIES>                                              4,078,796
<MORTGAGE>                                                      0
<REAL-ESTATE>                                             610,000
<TOTAL-INVEST>                                        171,062,918
<CASH>                                                  1,969,081
<RECOVER-REINSURE>                                              0
<DEFERRED-ACQUISITION>                                  7,540,063
<TOTAL-ASSETS>                                        253,759,744
<POLICY-LOSSES>                                       108,069,056
<UNEARNED-PREMIUMS>                                    58,311,607
<POLICY-OTHER>                                                  0
<POLICY-HOLDER-FUNDS>                                           0
<NOTES-PAYABLE>                                         5,000,000
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                4,504,992
<OTHER-SE>                                             72,695,072
<TOTAL-LIABILITY-AND-EQUITY>                          253,759,744
<PREMIUMS>                                             24,835,041
<INVESTMENT-INCOME>                                     2,359,486
<INVESTMENT-GAINS>                                         32,674
<OTHER-INCOME>                                            630,785
<BENEFITS>                                             16,147,754
<UNDERWRITING-AMORTIZATION>                             4,186,000
<UNDERWRITING-OTHER>                                    3,384,681
<INCOME-PRETAX>                                         3,271,334
<INCOME-TAX>                                              550,905
<INCOME-CONTINUING>                                     2,720,429
<DISCONTINUED>                                                  0
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                            2,720,429
<EPS-PRIMARY>                                                 .62
<EPS-DILUTED>                                                 .62
<RESERVE-OPEN>                                             71,483
<PROVISION-CURRENT>                                        17,038
<PROVISION-PRIOR>                                            (890)
<PAYMENTS-CURRENT>                                         10,982
<PAYMENTS-PRIOR>                                            4,685
<RESERVE-CLOSE>                                            71,964
<CUMULATIVE-DEFICIENCY>                                         0

        

</TABLE>
