<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                           224,999
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                     142,863
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 398,017
<CASH>                                          27,955<F1>
<RECOVER-REINSURE>                               7,828
<DEFERRED-ACQUISITION>                           4,964
<TOTAL-ASSETS>                                 518,607
<POLICY-LOSSES>                                169,316
<UNEARNED-PREMIUMS>                             30,834
<POLICY-OTHER>                                      43
<POLICY-HOLDER-FUNDS>                            5,738
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           667
<OTHER-SE>                                           0
<TOTAL-LIABILITY-AND-EQUITY>                   518,607
<PREMIUMS>                                      19,669
<INVESTMENT-INCOME>                              4,937
<INVESTMENT-GAINS>                               4,466
<OTHER-INCOME>                                     831
<BENEFITS>                                      13,255
<UNDERWRITING-AMORTIZATION>                      2,378
<UNDERWRITING-OTHER>                             1,588
<INCOME-PRETAX>                                  9,304
<INCOME-TAX>                                     3,029
<INCOME-CONTINUING>                              6,275
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,275
<EPS-BASIC>                                      .48<F3>
<EPS-DILUTED>                                      .48
<RESERVE-OPEN>                                 130,703<F2>
<PROVISION-CURRENT>                             12,730<F2>
<PROVISION-PRIOR>                                  525<F2>
<PAYMENTS-CURRENT>                               5,188<F2>
<PAYMENTS-PRIOR>                                11,595<F2>
<RESERVE-CLOSE>                                127,175<F2>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes cash and cash equivalents.
<F2>All loss data is presented net of applicable reinsurance recoverable.
<F3>Basic earnings per share.
</FN>