FRONTIER INSURANCE GROUP INC <FRTR> 4TH QTR NET Oper shr 25 cts vs six cts Oper net 840,000 vs 139,000 Revs 8,290,000 vs 4,743,000 Avg shrs 3,335,029 vs 2,400,000 Year Oper shr 97 cts vs 53 cts Oper net 2,546,000 vs 1,275,000 Revs 28.8 mln vs 18.5 mln Avg shrs 2,635,665 vs 2,400,000 NOTE: Net excludes investment gain four cts shr vs loss six cts in quarter and gain five cts vs loss six cts in year.