<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of operations enclosed
herein electronically in Form 10Q for the year-to-date, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                           250,386
<DEBT-CARRYING-VALUE>                          250,386
<DEBT-MARKET-VALUE>                            250,386
<EQUITIES>                                     139,300
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 422,153
<CASH>                                          20,115<F1>
<RECOVER-REINSURE>                               2,013
<DEFERRED-ACQUISITION>                           1,294
<TOTAL-ASSETS>                                 530,677
<POLICY-LOSSES>                                173,473
<UNEARNED-PREMIUMS>                             24,432
<POLICY-OTHER>                                      30
<POLICY-HOLDER-FUNDS>                            5,662
<NOTES-PAYABLE>                                  8,528
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           702
<OTHER-SE>                                           0
<TOTAL-LIABILITY-AND-EQUITY>                   530,677
<PREMIUMS>                                      69,114
<INVESTMENT-INCOME>                             18,891
<INVESTMENT-GAINS>                               5,625
<OTHER-INCOME>                                   2,772
<BENEFITS>                                      44,911
<UNDERWRITING-AMORTIZATION>                      8,538
<UNDERWRITING-OTHER>                             5,340
<INCOME-PRETAX>                                 26,506
<INCOME-TAX>                                     7,890
<INCOME-CONTINUING>                             18,616
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,616
<EPS-BASIC>                                     1.39<F2>
<EPS-DILUTED>                                     1.38
<RESERVE-OPEN>                                 143,951<F3>
<PROVISION-CURRENT>                             55,520<F3>
<PROVISION-PRIOR>                             (10,609)<F3>
<PAYMENTS-CURRENT>                              27,867<F3>
<PAYMENTS-PRIOR>                                30,215<F3>
<RESERVE-CLOSE>                                130,702<F3>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes money market instruments classified as cash.
<F2>EPS-PRIMARY is basic earnings per share.
<F3>All loss data is presented net of applicable reinsurance recoverable.
</FN>