WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF INCOME AND RETAINED
EARNINGS FOUND ON PAGES 26 AND 27 OF THE COMPANY'S FORM 10-K FOR THE YEAR ENDED
DECEMBER 31, 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
1997 1996
RESTATED
------------- ------------
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996
<PERIOD-END> DEC-31-1997 DEC-31-1996
<DEBT-HELD-FOR-SALE> 276,109 273,828
<DEBT-CARRYING-VALUE> 0 0
<DEBT-MARKET-VALUE> 0 0
<EQUITIES> 158,614 147,196
<MORTGAGE> 0 0
<REAL-ESTATE> 0 0
<TOTAL-INVEST> 475,328 454,791
<CASH> 699 572
<RECOVER-REINSURE> 1,160 1,085
<DEFERRED-ACQUISITION> 2,522 1,425
<TOTAL-ASSETS> 557,015 526,460
<POLICY-LOSSES> 197,195 196,939
<UNEARNED-PREMIUMS> 18,806 10,835
<POLICY-OTHER> 0 0
<POLICY-HOLDER-FUNDS> 4,368 6,946
<NOTES-PAYABLE> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 730 744
<OTHER-SE> 0 0
<TOTAL-LIABILITY-AND-EQUITY> 557,015 526,460
<PREMIUMS> 61,675 58,743
<INVESTMENT-INCOME> 18,442 19,580
<INVESTMENT-GAINS> 17,338 6,860
<OTHER-INCOME> 1,655 1,304
<BENEFITS> 39,584 33,754
<UNDERWRITING-AMORTIZATION> 6,486 6,088
<UNDERWRITING-OTHER> 7,570 4,218
<INCOME-PRETAX> 35,623 31,191
<INCOME-TAX> 11,177 9,857
<INCOME-CONTINUING> 24,446 21,334
<DISCONTINUED> 0 358
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 24,446 21,692
<EPS-PRIMARY> 1.77 1.53
<EPS-DILUTED> 1.75 1.51
<RESERVE-OPEN> 154,537 161,458
<PROVISION-CURRENT> 47,692 45,999
<PROVISION-PRIOR> (7,838) (12,245)
<PAYMENTS-CURRENT> 15,946 12,891
<PAYMENTS-PRIOR> 26,934 27,825
<RESERVE-CLOSE> 151,493 154,537
<CUMULATIVE-DEFICIENCY> (7,838) (12,245)
<FN>
1. Total investments includes money market funds classified as cash
equivalents in the accompanying balance sheets.
2. The 1996 financial data schedule has been restated to reflect the
adoption of FASB Statement No. 128, Earnings Per Share.
</FN>